The Housing Finance Sector data for Zambia extends back to 2010. Please click on the Research Center tab above to access data for previous years not shown.

Zambia: Statistical Data At-A-Glance
Total population15.5 million2015Country Editor: CSO 2015
Urban population (% of total)41.8% of total2015Country Editor
GDP, current prices (U.S. dollars)21,889 USD (millions)2015WEO
GDP based on PPP per capita GDP (Current international dollar)3,868.07 USD 2015WEO
Inflation, end of period consumer prices (Percent change)21.11%2015WEO
Average bank deposit rate8.99%2015IFS
Lending rate13.25%2015IFS
Owner-occupied units40% of total2015Country Editor
Total amount of home mortgage loans outstanding at the end of year in millions of USD:264.76 USD (millions)2012Bank of Zambia
Total amount of home mortgage loans outstanding at the end of year as % of GDP (current)1.29%2012Bank of Zambia, WEO
Total # of home mortgage loans outstanding at the end of year2.42 thousand2012FinMark (2013) Zambia Housing Finance Sector
Typical LTV at origination75%2015Country Editor
Typical pmt-to-income ratio (HH income)30%2015Country Editor
Retail funding (deposits/other)primary2013National Housing Forum
Wholesale funding: loans from other banks or corporationssecondary2013Editor
Typical number of days needed for the transfer of title452015WDI

About the Editor

Centre for Affordable Housing Finance in Africa (CAHF)

The Center for Affordable Housing Finance in Africa is a not-for-profit company with a mission to make Africa's housing finance markets work, with special attention on access to housing finance for the poor. We pursue this mission through the dissemination of research and market intelligence, supporting cross-sector collaborations and a market-based approach. The overall goal is to see an increase of investment in affordable housing and housing finance throughout Africa: more players and better products, with a specific focus on the poor. Our work covers four main areas: (1) understanding housing markets, (2) monitoring housing sector performance, (3) exploring innovation in housing finance, and (4) supporting housing finance market development. Since its formation, the CAHF has come to be known as the most comprehensive and up to date source of information on housing finance in Africa. Our work is available on our website: