🇪🇹 Ethiopian Mortgage Guide

Compare home-loan rates from Ethiopia's leading banks

Side-by-side mortgage calculator across 7 banks. Estimate your monthly payment, check eligibility, and request a quote in 30 seconds.

📌 Information notice

This guide is for educational purposes only and does not constitute financial or legal advice. Ethiopian mortgage regulations and bank policies change periodically — always verify all information directly with your chosen bank. AddisRealty is not affiliated with any bank listed here. Page last reviewed: 1 May 2026.

💳 የብድር ሂሳብ ማስላት

በአዲስ አበባ ውስጥ እጅግ ግልጽ የሆነው የንብረት ገበያ

የቤት ዋጋ (ETB)

5,000,000 ETB

ቅድሚያ ክፍያ30% = 1,500,000 ETB

20%30%40%50%

የሚያስፈልግ ብድር3,500,000 ETB

የብድር ጊዜ

* ግምታዊ ብቻ ነው። ይፋዊ ዋጋ ለማወቅ ባንኩን ያነጋግሩ።

የባንክ አማራጮች

መደርደር:

ምን ያህል ደሞዝ ያስፈልጋል?

ወርሃዊ ገቢዎ (ብር)

* 30% of income guideline.

📋 አስፈላጊ ማስታወቂያ

እዚህ ላይ የሚታዩ የወር ክፍያዎች ግምታዊ ብቻ ናቸው።
እውነተኛ የወለድ መጠን በ ብድር ታሪክዎ፣ በ ገቢዎ፣ በ ስራ ዓይነትዎና በ ዋስትናዎ ላይ ይወሰናል።
የወለድ መጠኖች ያለ ማስታወቂያ ሊቀየሩ ይችላሉ።
የ CBE ምርጥ መጠኖች ለ ሁሉም አመልካቾች አይደሉም።
AddisRealty የ ፋይናንስ አማካሪ አይደለም፤ ብድር መጽደቅን አያረጋግጥም።
የ ፋይናንስ ውሳኔ ከ መውሰድዎ በፊት ሁሌ ከ ባንኩ ቀጥታ ያረጋግጡ።

በ ኢትዮጵያ የ ቤት ብድር በ ብሔራዊ ባንክ ኦፍ ኢትዮጵያ (NBE) ይተዳደራል። የ NBE መመሪያ SBB/68/2018 እና ቀጣይ ማሻሻያዎች ይመልከቱ። AddisRealty ከ ማንኛውም ባንክ ጋር ግንኙነት የለውም።

All Ethiopian banks

Tap any bank for eligibility details and a direct quote request.

Mortgage FAQ

Quick answers to the most common Ethiopian mortgage questions.

Ethiopian banks issue long-term home loans secured by the property itself. Because all land is state-owned, what you actually mortgage is a leasehold right, not freehold ownership — but for residential use this is treated identically. Lenders register the lien against the title at the local Kebele/Woreda registry before disbursing funds.

Approval involves an income/affordability check (your monthly payment shouldn't exceed about 30% of net income), a property valuation by a bank-approved appraiser, and proof of the down payment in your account. Loans are usually issued in birr at fixed rates and amortise monthly over 5–20 years.

Disclaimer: This page is for informational purposes only. Contact each bank directly for official rates and eligibility decisions. Rates change periodically and are not guaranteed by AddisRealty.