Mortgage is a type of loan that you can acquire to finance your home or buy a real estate house. Buying houses in Ghana this days are expensive but we all need a house to call our own with mortgage you own a house and pay in instalment.
In this article, I will be giving a brief details on mortgage houses in Ghana and what you should about mortgage houses. There are some real estate developers who have partnered with some bank to help accomplish this offer to their customer.
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MORTGAGE HOUSES IN GHANA
The Oxford at Appolonia
Appolonia is described as world-class mastered planned city in Accra. Within the city is The Oxford, a “self-sustaining” residential estate of 600 houses across a total area of 20 hectares, aimed at the middle-class, with houses starting at GHS513,300.
| No. of Bedrooms | The Walton | The Eaton | The Barton |
|---|---|---|---|
| 2 | GHS513,300 | ||
| 3 | GHS579,000 | GHS654,900 | |
| 4 | GHS1,032,500 |
Appolonia Mortgage Partners
The Oxford facilitates mortgages from all mortgage providers in Ghana. These include:
- First National Bank
- Ecobank
- Republic Bank
- Absa Bank
- Stanbic Bank
The Oxford Self-Financing Plans
You will be required to pay the cost of the house within 6, 12 or 18 months. The number of payments and the percentage to pay are dependent on the duration.
ADOM CITY ESTATE
Adom City Estate offers a range of competitively priced homes located in Ghana’s harbour city, Tema and Kasoa, a rapidly developing neighbourhood that connects Greater Accra and Central regions and Kuntunse, within the area collectively referred to as East Legon Hills.
| Description | Location | No. of Bedrooms | Price |
|---|---|---|---|
| Executive | Tema | 4 | GHS600,000 |
| Executive | Tema | 3 | GHS360,000 |
| Executive | Kasoa | 3 | GHS320,000 |
| Standard | Tema | 3 | GHS320,000 |
| Standard | Kasoa | 3 | GHS280,000 |
| Executive | Tema | 2 | GHS270,000 |
| Executive | Kasoa | 2 | GHS240,000 |
| Standard | Tema | 2 | GHS240,000 |
| Standard | Kasoa | 2 | GHS220,000 |
Adom City Mortgage Partners
Adom City offers mortgages to help more Ghanaians own their own homes. Below are the mortgage partners facilitating loans on Adom City homes.
- Prudential Bank
- First National Bank
- Ghana Commercial Bank
- Absa Bank
SOLARIS
Solaris is a luxury residential development featuring 133, 1 & 2 bedroom apartments located at Ringway Estate, Osu, one of the most connected and prime locations of Accra. This development is being built by Swami India Ghana Limited.
Solaris Pricing
| No. of Bedrooms | Range |
|---|---|
| Studio | $101,640 – $145,200 |
| Premium Studio (2) | $120,000 – $170,000 |
| Premium Studio (1) | $126,000 – $178,500 |
| 1 Bedroom | $165,600 – $201,600 |
| 1 Bedroom (with parking) | $190,800 – $237,600 |
| 2 Bedroom | $223,680 – $307,560 |
PARADISE ESTATE
Paradise Estate is a gated community of gorgeous yellow estate houses located at East Legon Hills, Katamanso. The estate features 3 distinct house types, Type A, Type B and Type D.
Spread over a dozen acres of lush green parks and gardens, located in East Legon Hills, Katamanso, Swami India Ghana Limited’s Paradise Estate is what you want to come home to after a long day of work.
Paradise Estate Houses Pricing
| Unit | Price (GH¢) |
|---|---|
| Type D (3 Bedroom) | GH¢766,410 |
| Type B (3 Bedroom) | GH¢1,032,500 |
| Type A (4 Bedroom) | GH¢1,708,050 |
Paradise Estate Self-Financing Plans
Payment plans here require an initial $5,000 booking deposit and then a percentage of the cost of the house.
| Plan | 21 days from reservation date | 6 -12 months | via Mortgage |
|---|---|---|---|
| Standard | 20% | 80% | |
| Mortgage Payment | 20% | 80% (spread over equal monthly payments) |
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