2026 diaspora guide · TG

Building in Togo from the diaspora — 2026 Guide

Lomé, Baguida, Tsévié: build in the Gulf of Guinea's logistics hub.

Since 2018, Togo has been betting on diaspora real estate with a very proactive policy (one-stop shop, cadastral digitalisation) that makes it a more readable market than its neighbours. Lomé massively attracts the West African and French diaspora, while Baguida and Aného quietly boom thanks to the Lomé-Cotonou corridor. This DiasporaBuild guide covers real Togolese built-m² prices in 2026, the exact permit steps at the General Directorate of Urban Planning, the Togolese diaspora banks (Ecobank Togo, ORAGROUP, UTB), and the precautions to impose on the Baguida coastal subdivisions where multiple sales persist.
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Construction prices in Togo in 2026

Basic finish
150,000 – 220,000 FCFA / m²
Modern standard
250,000 – 380,000 FCFA / m²
Premium
400,000 – 650,000 FCFA / m²

Lomé 2026 prices. In Kara (North): -25%. In Baguida (seaside): equivalent to Lomé.

Wholesale material prices (Q4 2025 – Q1 2026)

MaterialIndicative price
CIMTOGO Cement 42.5R (50 kg bag)4,200 – 5,000 FCFA
Rebar HA10 (12 m bar)3,500 – 4,800 FCFA
Sand (m³)9,000 – 14,000 FCFA
Gravel (m³)13,000 – 19,000 FCFA
Hollow block 15180 – 240 FCFA

Getting a building permit in Togo

  1. 1

    Town-planning certificate at the commune / Ministry of Urban Planning.

  2. 2

    Permit file at the DGU (General Directorate of Urban Planning).

  3. 3

    Multi-service technical review.

  4. 4

    Issuance (30–60 official days).

  5. 5

    Site opening and display.

  6. 6

    Structural + completion inspections.

  7. 7

    Compliance certificate + CEET / TdE connections.

Essential land-tenure noteTogo launched a digital land-management platform in 2020. The Land Title remains the indisputable title, obtained via the General Tax Directorate. The Baguida coastal subdivisions require particular vigilance (documented multiple sales).

Financing a build in Togo from the diaspora

Ecobank Togo Diaspora

Dedicated line, facilitated cross-border, APR 8.5–10.5%.

ORABANK Togo

Diaspora housing, 25% down payment, mortgage guarantee.

UTB — Housing Loan

Classic line strengthened for the diaspora since 2023.

Send money to Togo

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Illustrative scenarios

These situations are teaching examples built from common diaspora construction cases. They are not testimonials from identified clients.

Example situation
Software developer, Munich · Project Lomé (Adidogomé)

Lomé is becoming the West African Switzerland for the diaspora. Fast digitalisation, clear procedures. With DiasporaBuild I finished in 11 months.

Example situation
Midwife, Paris · Project Baguida

Baguida seaside is the dream but also the multiple-sales trap. The platform's land check detected a dispute before I signed.

Example situation
Logistics executive, Antwerp · Project Tsévié

Tsévié is Lomé's peri-urban future. A plot at 8M FCFA in 2022, doubled by 2025. I invested early, the platform validated the whole process.

Listed contractors and firms in Togo

Our directory lists companies from public sources as well as profiles claimed by their owners. Those that completed our verification process (legal registration, VAT, past projects, insurance) carry the "verified" status; the others are marked as not verified. A selection of listed players:

SATRACO Togo
Cabinet d'Architecture Kwadjo
Ets Bâtir Lomé
Groupe BATRA
SARL EDIFICE Togo
See the full Togo directory

FAQ — Building in Togo

Price of a 180 m² villa in Lomé in 2026?
Standard: 45 to 68M FCFA (€69,000 to €104,000) excluding land. 400 m² Adidogomé plot: 30 to 100M FCFA.
Can I finance from France?
Yes via Ecobank Togo Diaspora or ORABANK. French salary domiciliation required. Competitive rates.
Best month to start a build in Lomé?
November to March (main dry season). Avoid April-July (main rainy season).
How much does the permit cost in Lomé?
0.3 to 1% of works cost + architect. Increasingly digitalised procedure.
Baguida: what should be checked?
Frequent multiple sales, coastal easements, non-buildable zones (100 m from the high-water mark). Mandatory verification at the DGU + surveyor.
How long to build 180 m²?
10 to 13 months. Sea proximity requires salt-resistant renders.
Site insurance in Togo?
NSIA Togo, Sunu, ATLAS offer Contractors All Risks. Premium ≈ 0.4–0.7%.
How does DiasporaBuild secure my project in Togo?
DGU + Order of Architects verification, milestone payments, geolocated photos + AI, mediation, FR/EN legal assistance.
Is the Togolese Land Title digitised?
Partly since 2020. Online verification possible for new titles, in person for older ones.
Rental taxation for the Togolese diaspora?
30% income tax on rents, withheld at source. Convention with France to avoid double taxation.

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