DW AngolaHousing Finance

Housing Finance

Angola's main problems in the housing finance sector relate to bureaucracy, the lack of access to titled and serviced land and the weak engagement of banks in offering loans for housing. The lack of financing means that most people do not have the ability to buy homes through formal market processes. The State policy on housing provision is focused on creating high-rise condominiums in areas of urban expansion.

Development Workshop is engaged in research on housing, land markets and innovative financing mechanisms. DW's housing finance work benefits from support from CAHF and FSDA.

Sections

Compêndio Angolano sobre a Habitação e Legislação Urbana

Monday, 3 November, 2025
This Compendium of Angolan Housing, Land and Urban Finance Legislation is an on-line portal that mainly contains Angolan gazetted laws, by-laws and regulations (current and historical). The portal can be searched in Portuguese and English. DW has scanned, digitalized and posted these materials that have been compiled in its documentation centre over the last 35 years.

Housing for Whom - Rebuilding Angola’s Cities After Conflict and Who Gets Left Behind

Sunday, 6 December, 2020
Since the end of the civil war in 2002, the government of Angola has used Chinese credit facilities backed by petroleum-based guarantees to build prestige urban projects on a scale that in sub-Saharan Africa is second only to post-apartheid South Africa. Decades of rural-urban migration have turned Angola into one of Africa’s most urbanized countries, with 62% of its population living in cities....

Angola Chapter - Africa Housing Finance Yearbook 2020

Thursday, 1 October, 2020
Angola is a vast country covering an area of 1.247 million square kilometres with a long coastline and central plateau that borders Namibia, Botswana, Zambia and the Democratic Republic of Congo. Its total population was estimated at 32 971 101 inhabitants in 2020,1 representing an increase of more than two million people compared to 2018 (30.81 million). The main cities are Luanda (the capital...

Angola Chapter - Africa Housing Finance Yearbook 2019

Monday, 1 July, 2019
The recession of the last four years depressed the real estate sector, resulting in less demand, more supply, and lower prices. The dollar-denominated prices of apartments and offices in the centre of Luanda have fallen almost 30 percent since 2014. Similarly, prices in the rental market fell due to the departure of thousands of expatriates from the country. However, the prices in national...

Angola Chapter - Africa Housing Finance Yearbook 2018

Monday, 1 October, 2018
Angola’s economy is highly concentrated around the oil industry, which comprises about a third of its GDP and around 95 percent of exports, despite the global downturn and decrease in oil prices.1 Oil revenues and oil-backed loans have allowed for large-scale state investments in the construction and rehabilitation of public infrastructure, including the implementation of an ambitious housing...

HOUSING MARKET DYNAMICS IN AFRICA

Friday, 4 May, 2018
Africa’s economic growth is being driven by a burgeoning demographic shift and rapid urbanization trends. The continent’s population of 1.18 billion is projected to double by 2050, with the region urbanizing faster than any other in the world. This presents both an opportunity and a challenge for the continent. In many urban areas in developed countries, the housing sector has been at the...

Angola Chapter - Africa Housing Finance Yearbook 2017

Sunday, 1 October, 2017
Angola’s economy is highly concentrated around the oil industry, comprising about 45 percent of its GDP and around 95 percent of exports1. Oil production continues to be the catalyst for growth in Angola. Oil revenues and oil-backed loans have allowed for large-scale state investments in the construction and rehabilitation of public infrastructures, as well as the implementation of an ambitious...

The Private Housing Sector in Angola

Friday, 17 February, 2017
The Angolan Government, in its public pronouncements, has put great store in the private sector in driving post-war development and taking the lead particularly in the housing sector. However the World Bank has shown that Angola remains one of the world’s most difficult countries to do business, particularly in the sale and transfer of property. In the 1990s Angola had the daunting task of...

Financing & Affordability of Services for Housing

Friday, 20 January, 2017
With the approaching rainy season in Angola and new reports of cholera, which has been held in abeyance since the epidemic of 2007, public policy makers and consumers alike look at the implementation of long-delayed urban services reforms. Paying for services has become the Go

Media Dossier on Housing January – December 2016

Monday, 16 January, 2017
The Extract of news is a service of the Documentation Center of the DW (CEDOC) located on the premises of DW in Luanda. The Center was created in January 2001 with the aim of facilitating the collection, storage, access and dissemination of information on socio-economic development of the country. Through the monitoring of projects of DW, studies, surveys and other forms of information collection...

Angola’s new housing finance reforms

Sunday, 15 January, 2017
The last year has seen the introduction of some long-outstanding fiscal reforms in Angola’s housing economy. The new Minister of Housing and Urban Development Ms Branca do Espírito Santo has brought some new insights from her years in senior management in the nominally-private-sector

Round Table Workshop on Housing Taxation and Registration in Angola

Friday, 13 January, 2017
Development Workshop hosted a round-table workshop on Friday the 13th of January on the challenges of registering real-estate in Angola and the implications of the new housing taxation reforms. The fall in world commodity prices since 2014 has forced government to adopt a new strategy. A campaign supporting the payment of housing taxes was launched with the aim to make people aware of the need to...

The Cooperative Housing Sector in Angola

Tuesday, 10 January, 2017
Angola’s National Urbanism and Housing Programme (PNHU) identified Cooperative Housing as one of the four key strategies adopted to meet the country’s deficit of more than one million dwelling units. The PNHU set a target for the construction of 80,000 cooperative housing units or 8% of the planned one million dwellings in the period up to 2015. Cooperative housing in Angola has roots that date...

Housing Dossier-Jan-Dec-2017 (English translation) DW-CAHF

Tuesday, 3 January, 2017
The Extract of news on the Angolan Housing Sector in is a service of the Documentation Center of the Development Workshop (CEDOC) located on the premises of DW in Luanda. The Center was created in January 2001 with the aim of facilitating the collection, storage, access and dissemination of information on socio-economic development of the country. Through the monitoring of projects of DW,...

Dossier de Habitacão - Jan-Dez 2017 DW-CAHF

Tuesday, 3 January, 2017
O extracto de notícias sobre o Sector de Habitação Angolana é um serviço do Centro de Documentação do Workshop de Desenvolvimento (CEDOC) localizado nas instalações da DW em Luanda. O Centro foi criado em janeiro de 2001 com o objetivo de facilitar a coleta, armazenamento, acesso e divulgação de informações sobre o desenvolvimento socioeconômico do país. Através do monitoramento de projetos de DW...

Dossier de Habitação Janeiro - Dez 2016

Saturday, 31 December, 2016
O Extracto de notícias é um serviço do Centro de Documentação da DW (CEDOC) situado nas instalações da DW em Luanda. O Centro foi criado em Janeiro de 2001 com o objectivo de facilitar a recolha, armazenamento, acesso e disseminação de informação sobre desenvolvimento socio-economico do País. Através da monitoria dos projectos da DW, estudos, pesquisas e outras formas de recolha de informação, o...

Habitat III Nova Agenda Urbana

Thursday, 20 October, 2016
O plano de implementação de Quito para nova agenda urbana .Resolveu implementar a Nova Agenda Urbana como um instrumento fundamental para governos nacionais, subnacionais, e locais e todos os atores relevantes viabilizarem a consecução do desenvolvimento urbano sustentável

Workshop sobre Direito a Cidade e Financiamento Habitacional Acessível

Friday, 14 October, 2016
A Development Workshop Angola, em parceria com a Rede de Luta Contra Pobreza Urbana ,apresentou o workshop sobre O Direito a Cidade, que se  realizou na  Sexta-feira, dia 14 de Outubro, às 14:00 no Anfiteatro da Faculdade de Arquitectura, Av. Ho Chi Minh. O Workshop teve como objectivo Promover uma reflexão com actores chaves e comunidades para partilhar...

Angola Chapter - Africa Housing Finance Yearbook 2016

Saturday, 1 October, 2016
Angola is an oil-rich nation located in southern Africa, on the Atlantic coast ofAfrica, and bordered by Namibia, Zambia and the Democratic Republic of theCongo. President Jose Eduardo dos Santos’ ruling party, the People’s Movementfor the Liberation of Angola (MPLA), holds a strong majority, having taken 72percent at the August 2012 polls. The country has come a long way since its civilwar ended...

Rent Strike Narrowly Averted in Africa’s Newest Mega Housing Project – Kilamba City Angola

Thursday, 22 September, 2016
The case study presented here demonstrates the emergence of an Angolan housing market that had largely been dominated by the State to date. Public-private enterprises such as IMOGESTIN are attempting to introduce more market-oriented methodologies in an environment where the State can no longer subsidize the sector as in the past. The emergence of the consumer as an actor in the market is...

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