Chapter 9. The Mortgage Market in Ghana

  1. Danny Ben-Shahar BA, MBA, PhD Senior Lecturer board member member2,
  2. Charles Ka Yui Leung Associate Professor visiting scholar referee editorial board member member3 and
  3. Seow Eng Ong PhD Professor president recipient4
  1. Dr Callistus Mahama MPhil, PhD chartered surveyor lecturer part-time lecturer Deputy Director

Published Online: 2 FEB 2009

DOI: 10.1002/9781444302301.ch9

Mortgage Markets Worldwide

Mortgage Markets Worldwide

How to Cite

Mahama, C. (2008) The Mortgage Market in Ghana, in Mortgage Markets Worldwide (eds D. Ben-Shahar, C. K. Y. Leung and S. E. Ong), Blackwell Publishing Ltd., Oxford, UK. doi: 10.1002/9781444302301.ch9

Editor Information

  1. 2

    Faculty of Architecture and Town Planning, Technion – Israel Institute of Technology, Israel

  2. 3

    Department of Economics and Finance, City University of Hong Kong, Hong Kong

  3. 4

    Department of Real Estate, National University of Singapore, Singapore

Author Information

  1. Department of Land Economy, University of Science and Technology, Ghana

Publication History

  1. Published Online: 2 FEB 2009
  2. Published Print: 16 MAY 2008

Book Series:

  1. Real Estate Issues

Book Series Editors:

  1. Stephen Brown5,
  2. John Henneberry6,
  3. K. W. Chau7 and
  4. Elaine Worzala8

Series Editor Information

  1. 5

    Royal Institution of Chartered Surveyors, UK

  2. 6

    Department of Town & Regional Planning, University of Sheffield, UK

  3. 7

    Department of Real Estate and Construction, The University of Hong Kong, Hong Kong

  4. 8

    Edward St. John Department of Real Estate, Johns Hopkins University, USA

ISBN Information

Print ISBN: 9781405132107

Online ISBN: 9781444302301



  • mortgage market in Ghana;
  • contractual agreements in housing market;
  • land and property in development of capital;
  • state housing policy initiatives;
  • housing stock and deficit;
  • formal mortgage in Ghana;
  • mortgage market features;
  • Ghana Centre for Democratic Development (CDD);
  • Home Finance Company (HFC);
  • mortgage industry in Ghana in its infancy


This chapter contains sections titled:

  • Introduction

  • Contractual agreements in the housing market

  • Land and property in the development of capital

  • The housing challenge

  • State housing policy initiatives

  • Formal mortgage in Ghana

  • Features of the mortgage market

  • The legal framework

  • The Home Finance Company (HFC)

  • Conclusions

  • References