Down-payment & financing planner

How much to save

Banks usually ask for a personal contribution of 20–30% of the price. Add notary fees and registration duties on top.

Common ways to finance

• Personal savings and tontines (njangi)
• Bank housing loans
• Staged purchase for land, then construction in phases
• Diaspora savings sent by bank transfer

Protect your money

Pay deposits only through the notary or traceable bank transfer. Never pay cash to an intermediary without a signed receipt.