Introduction
About Crédit Foncier du Cameroun (CFC)
Crédit Foncier du Cameroun (CFC) was established in May 1977 to address Cameroon’s growing housing deficit amid rapid urbanization and economic growth. As part of a broader government initiative that included creating the Ministry of Town Planning and Housing (MINDUH), MAETUR (for land development), and the restructuring of the Société Immobilière du Cameroun (SIC), CFC’s role was to provide long-term housing finance.
Initially, this coordinated institutional framework aimed to manage urban growth and increase housing supply. However, over the decades, urban expansion accelerated, economic liberalization and decentralization introduced new actors like private and real estate developers, and urban poverty worsened, making housing less accessible—especially for low-income populations.
Despite these shifts, CFC remains a crucial institution, being the only one offering long-term financing for housing, supporting both institutional players and individuals under competitive market conditions.
