Securing a loan to build back home from abroad is often opaque: variable rates, mixed currencies, heavy guarantees and long approvals. This directory lists African and international banks that actually run diaspora programs, with direct links to their dedicated teams.
38 listed companies — Senegal.
At BGFIBank Gabon , borrowing rates (interest rates) vary depending on the borrower's profile and the type of loan. Mortgage loans: Rates have stabilized around 3.5% for the strongest applications, although market conditions may cause these offers to vary. Corporate Loans:SMEs: Approximately 11.69% on average.
BMCI offers Moroccans Living Abroad (MRE) a mortgage covering up to 100% of the purchase price for a new or existing home.
Agile bank offering some of the lowest rates on the island for diaspora construction projects.
Rawbank lookalike but with a very strong presence in Katanga. Offers loans in USD to stabilize repayment.
Specialist in supporting Tunisiens living abroad (TRE) with Sharia-compliant financing solutions.
Islamic finance leader in Algeria. Ideal for building without traditional interest (fixed margin rate).
Fast-growing bank, very flexible on land guarantees for Cameroonians living in Europe.
Emerging Ghanaian bank offering flexible terms for land titles in rural areas.
Alternative to big banks. Offers micro-loans to finish second-fix works or install solar for the diaspora.
Known for having Kenya's most competitive rates for self-build. Equity Bank lookalike but more agile.
Historical institution offering stable rates for small residential construction projects.
KCB lookalike. Specializes in supporting small developers and the Ugandan diaspora in the UK.
Simplified access to real estate credit for Ivorians abroad with flexible repayment periods. Ecobank Côte d'Ivoire's headquarters are located in Le Plateau, at Avenue Houdaille, Place de la République, ECOBANK Building, P.O. Box 4107, Abidjan 01. The bank has numerous branches throughout Abidjan (including in Adjamé) and in other cities across the country.
Financing solution for the acquisition of primary or secondary residences in Cameroon with fixed rates.
Financing up to 90% for land purchase or construction, available in foreign currencies (USD, GBP, EUR).
Financing up to 100% of the property value for Moroccans residing abroad with competitive rates.
Complete offer including the 'Koor' real estate loan to build or buy in Senegal with a term of up to 20 years.
Complete support for diaspora real estate investments.
Facilités hypothécaires pour les Est-Africains vivant à l'étranger.
Financement immobilier pour les Nigérians à l'étranger avec options flexibles.
Tailor-made financing for primary residence acquisition in Ivory Coast.
Land acquisition, construction and diaspora support.
Financement immobilier pour les clients nigérians de la diaspora.
Multi-country CEMAC real estate credit for the Gabonese and Cameroonian diaspora.
Prêts hypothécaires et de construction pour les Nigérians de la diaspora.
Real estate credit dedicated to Senegalese in the Diaspora, up to 25 years.
A diaspora loan is a mortgage or construction credit for people living abroad who want to build or buy in their country of origin. The bank reviews your foreign income, the land value and a construction quote. Funds are often released in stages as the work progresses, so reliable site monitoring matters.
Land title or ownership proof, ID, recent proof of income and bank statements, plus a plan and itemised quote signed by a professional and a works schedule. A complete construction file (plan, bill of quantities, quote) speeds up approval — exactly what FUNDI and DiasporaBuild budgeting produce.
Local banks know land registries and notaries; pan-African groups offer diaspora desks and simpler transfers; microfinance suits progressive builds but at higher rates. Compare rate, loan currency, required deposit and file fees.
Yes. Several banks run diaspora programs. They usually ask for proof of foreign income, a deposit and a construction file (plan and quote). Terms vary by country and bank.
It depends on the bank, country and project. Deposits commonly range from 20% to 40% of total cost, but only the bank can confirm after reviewing your file.
It depends on the lender: local currency (XOF, XAF, NGN...), euro or dollar. The choice affects exchange-rate risk, so compare several offers.
Use official bank websites only, never pay 'file fees' to an unknown intermediary and check the diaspora program through the official link listed in the directory.
No. Rates and terms are indicative and must be confirmed directly with the bank before any decision.
Read our diaspora construction guides · Draw my plan with FUNDI · Find a verified professional
Indicative information — confirm directly with each company before any decision.