Ghana
Invest in Africa’s Future – Discover Real Estate in Ghana
Explore exceptional properties in Ghana – from luxury apartments in the prestigious districts of Accra to eco-friendly residences along the Gulf of Guinea. Ghana captivates with its dynamic growth, rich history, and the legendary hospitality that attracts the global diaspora and investors from across the world. It is an ideal destination for those seeking high rental yields and a secure base in the heart of West Africa. Take advantage of our portfolio and become part of the success story of the “Gateway to Africa”!
NOWOCZESNE DOMY W GHANIE – FORTE RESIDENCES
Ghana / Greater Accra Region / Tema
370 000 $
13-piętrowy nowoczesny apartamentowiec w sercu Akry, Ghana
Ghana / Bono East Region / Trohwe
101 640 $
1. Can foreign nationals purchase property in Ghana?
Yes, foreigners can acquire real estate in Ghana; however, it is essential to understand the specific land ownership system. Land in Ghana is rarely sold as absolute Freehold. Instead, most transactions are based on Leasehold agreements. For foreign nationals, the lease term is typically up to 50 years, which is renewable (whereas Ghanaian citizens can hold leases for up to 99 years). It is crucial to conduct thorough legal due diligence to verify the seller’s right to transfer the land, as property often belongs to traditional stools (communities) or the state.
2. Can international clients obtain a mortgage for property in Ghana?
Securing a mortgage from Ghanaian banks (such as GCB Bank, Ecobank, or Stanbic Bank) as a non-resident is possible, but it comes with specific challenges. Interest rates for loans in the local currency (Cedi) can be very high, which leads many international investors to opt for USD-denominated mortgages. While these offer lower interest rates, they carry exchange rate risks. A down payment of 20% to 40% is usually required. Due to these factors, the most popular financing methods among international buyers are cash purchases or structured installment plans offered directly by developers.
3. What are the popular regions for property investment in Ghana?
The heart of the market is Accra, particularly its elite neighborhoods such as Cantonments, Airport Residential Area, and East Legon. These areas host world-class modern apartment complexes that are in high demand among diplomats and corporate executives.
Investors seeking tourism potential often look toward Aburi, known for its cooler climate and mountain views, as well as the coastal stretch near Prampram and Ada Foah. Kumasi, the historic capital of the Ashanti Kingdom, is also gaining significance, offering interesting opportunities in the commercial real estate sector. For those who value history and beaches, Cape Coast remains an attractive region as the country’s educational and tourism hub.
