Notes: not available beyond the provident insurance involved in BHS Pack 35
Notes: Property Tax on Developed Land (contribution foncière des proprieties bâties) is levied at a rate of 5% for all immovable properties except factories. Refer to Article of the Code General de Impots , Loi -2012-31
Notes: Property Tax on Developed Land (contribution foncière des proprieties bâties) is levied at a rate of 5% for all immovable properties except factories. Refer to Article of the Code General de Impots , Loi -2012-31
Notes: The Caisse des Depots et Consignations is a public bank, mandated to contribute to the economic development of the country by investing in projects such as social housing
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 25 banks, 4 finance institutes
Notes: average of fixed and variable rates
Notes: Banque de l'Habitat de Senegal (BHS) alone is estimated to originate about 25% of all housing loans. Source: BCEAO, 2014
Notes: Banque de l'Habitat de Senegal (BHS) alone is estimated to originate about 25% of all housing loans. Source: BCEAO, 2014
Notes: BCEAO manages a Bureaux d’Information sur le Crédit (BIC), but there are no private credit bureaus
Notes: BCEAO manages a Bureaux d’Information sur le Crédit (BIC), but there are no private credit bureaus
Notes: Capital gains are considered as business income and are subject to a flat tax of 30% of the net gain.
Notes: Capital gains realized from the sale of real property are considered as business income and are subject to corporate income tax at a flat rate of 30% on the net gains. The seller or the owner of the property is held liable for this tax.
Notes: Capital gains realized from the sale of real property are considered as business income and are subject to corporate income tax at a flat rate of 30% on the net gains. The seller or the owner of the property is held liable for this tax.
Notes: Capital gains realized from the sale of real property are considered as business income and are subject to corporate income tax at a flat rate of 30% on the net gains. The seller or the owner of the property is held liable for this tax.
Notes: Capital gains realized from the sale of real property are considered as business income and are subject to corporate income tax at a flat rate of 30% on the net gains. The seller or the owner of the property is held liable for this tax.
Notes: Capital gains realized from the sale of real property are considered as business income and are subject to corporate income tax at a flat rate of 30% on the net gains. The seller or the owner of the property is held liable for this tax.
Notes: combines owners and co-owners
Notes: combines renters and co-renters
Notes: estimate
Notes: Figure comes from the formal market in Dakar which mainly caters to high income clients
Notes: For loans that are greater than 50mm FCFA in value.
Notes: For loans that are greater than 50mm FCFA in value.
Notes: For loans that are greater than 50mm FCFA in value.
Notes: For loans that are greater than 50mm FCFA in value.
Notes: For loans that are greater than 50mm FCFA in value.
Notes: generally requires purchase of provident mortgage insurance
Notes: inter-bank market is underdeveloped. Banks can access liquidity through the Caisse Régionale de Refinancement Hypothécaire (CRRH), a Regional Refinancing Entity for WAEMU countries. Senegalese banks have acccessed 20 billion CFA ($34.5 million USD)
Notes: inter-bank market is underdeveloped. Banks can access liquidity through the Caisse Régionale de Refinancement Hypothécaire (CRRH), a Regional Refinancing Entity for WAEMU countries. Senegalese banks have acccessed 20 billion CFA ($34.5 million USD)
Notes: Most MFIs in Senegal that are nongovernmental organizations are "mutual MFIs."
Notes: Most MFIs in Senegal that are not nongovernmental organizations are "mutual MFIs."
Notes: Most MFIs in Senegal that are not nongovernmental organizations are "mutual MFIs."
Notes: Most MFIs in Senegal that are not nongovernmental organizations are "mutual MFIs."
Notes: Most MFIs in Senegal that are not nongovernmental organizations are "mutual MFIs."
Notes: Most MFIs in Senegal that are not nongovernmental organizations are "mutual MFIs."
Notes: Most MFIs in Senegal that are not nongovernmental organizations are "mutual MFIs."
Notes: not available beyond the provident insurance involved in BHS Pack 35
Notes: Number of banks and microfinance agencies that offer mortgage loans.
Notes: Property tax is levied at a rate of 5% of the property's rental value.
Notes: Property Tax on Developed Land (contribution foncière des proprieties bâties) is levied at a rate of 5% for all immovable properties except factories. Refer to Article of the Code General de Impots , Loi -2012-31
Notes: Represents only BHS housing loans outstanding, which in 2013 dominated the housing finance market.
Notes: Represents only BHS housing loans outstanding, which in 2013 dominated the housing finance market.
Notes: Represents only BHS housing loans outstanding, which in 2013 dominated the housing finance market.
Notes: Represents only BHS housing loans outstanding, which in 2013 dominated the housing finance market.
Notes: Senegal participates in the regional mortgage refinancing facility, CRRH
Notes: Senegal participates in the regional mortgage refinancing facility, CRRH
Notes: Senegal's mortgage bank focuses primarily on providing housing finance to its citizens, but it also offers a wider range of typical commercial bank services like savings and checking accounts, debit cards, and retirement accounts. It has been in operation since 1980 but previously served more as a short-term credit provider and not a true mortgage bank.
Notes: Senegal's mortgage bank focuses primarily on providing housing finance to its citizens, but it also offers a wider range of typical commercial bank services like savings and checking accounts, debit cards, and retirement accounts. It has been in operation since 1980 but previously served more as a short-term credit provider and not a true mortgage bank.
Notes: Senegal's mortgage bank focuses primarily on providing housing finance to its citizens, but it also offers a wider range of typical commercial bank services like savings and checking accounts, debit cards, and retirement accounts. It has been in operation since 1980 but previously served more as a short-term credit provider and not a true mortgage bank.
Notes: Senegal's mortgage bank focuses primarily on providing housing finance to its citizens, but it also offers a wider range of typical commercial bank services like savings and checking accounts, debit cards, and retirement accounts. It has been in operation since 1980 but previously served more as a short-term credit provider and not a true mortgage bank.
Notes: Senegal's mortgage bank focuses primarily on providing housing finance to its citizens, but it also offers a wider range of typical commercial bank services like savings and checking accounts, debit cards, and retirement accounts. It has been in operation since 1980 but previously served more as a short-term credit provider and not a true mortgage bank.
Notes: Senegal's mortgage bank focuses primarily on providing housing finance to its citizens, but it also offers a wider range of typical commercial bank services like savings and checking accounts, debit cards, and retirement accounts. It has been in operation since 1980 but previously served more as a short-term credit provider and not a true mortgage bank.
Notes: Société Immobilière du Cap-Vert (SICAP) is a majority state owned developer that offers homes to low income households on a rent-to-buy program
Notes: Société Immobilière du Cap-Vert (SICAP) is a majority state owned developer that offers homes to low income households on a rent-to-buy program
Notes: The ARIZ guarantee from Agence Francaise de Développement (AFD) guarantees loans to micro, small, and medium enterprises (MSMEs), and microfinance institutions (MFIs). The maximum amount guaranteed is EUR 2 million (USD 2.3 million) per transaction and EUR 4 million (USD 4.7 million) per company or group.
Notes: The ARIZ guarantee from Agence Francaise de Développement (AFD) guarantees loans to micro, small, and medium enterprises (MSMEs), and microfinance institutions (MFIs). The maximum amount guaranteed is EUR 2 million (USD 2.3 million) per transaction and EUR 4 million (USD 4.7 million) per company or group.
Notes: The Caisse des Depots et Consignations is a public bank, mandated to contribute to the economic development of the country by investing in projects such as social housing
Notes: The State created the Fonds de garantie pour l’acces du lodgement (FOGALOG) in 2015 to facilitate access to financing for the construction or purchase of low-income housing. BHS signed an agreement with FOGALOG in 2015.
Notes: The State created the Fonds de garantie pour l’acces du lodgement (FOGALOG) in 2015 to facilitate access to financing for the construction or purchase of low-income housing. BHS signed an agreement with FOGALOG in 2015.