{"id":1624,"date":"2026-11-01T22:06:26","date_gmt":"2026-11-01T22:06:26","guid":{"rendered":"https:\/\/sencoproperties.com\/news\/ghana-8-4-percent-mortgage-scheme-easy-rent-2026\/"},"modified":"2026-11-01T22:06:26","modified_gmt":"2026-11-01T22:06:26","slug":"ghana-8-4-percent-mortgage-scheme-easy-rent-2026","status":"publish","type":"post","link":"https:\/\/sencoproperties.com\/news\/ghana-8-4-percent-mortgage-scheme-easy-rent-2026\/","title":{"rendered":"Ghana\u2019s 8.4% Mortgage Scheme and Easy Rent: What Homebuyers and Tenants Need to Know"},"content":{"rendered":"

Ghana\u2019s housing finance debate has entered a new phase. The National Homeownership Fund (NHF) has resumed lending under its National Mortgage Scheme at an interest rate of 8.4 per cent, down from 13.5 per cent. Government has also announced a proposed Easy Rent programme intended to help workers manage large upfront rent payments.<\/p>\n

The announcements matter because the country continues to face a major gap between the cost of decent housing and what many households can afford. The National Homeownership Fund estimates Ghana\u2019s housing deficit at about 1.8 million units in 2024. High land prices, construction costs and limited access to long-term finance continue to restrict both homebuyers and developers.<\/p>\n

For buyers, the lower mortgage rate may create a more affordable route to homeownership for eligible applicants. For tenants, Easy Rent could reduce the pressure of paying a large rent advance at once. However, the two initiatives have different purposes, and households should understand the terms before making financial decisions.<\/p>\n

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Illustrative property photograph. Photo: Divaris Shirichena\/Unsplash.<\/figcaption><\/figure>\n
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