• Rent to Buy Purchase Option
If your net monthly salary is between GHS2,000 and GHS3,000. The maximum period for this type of financing is five(5) years, within which you're expected to either pay it off or upgrade to a DCANS Mortgage or some other external lender arrangement you so choose, after propping up your finances. Open to any qualified Salaried Worker (Public or Private Sector). More on how this option works here.
• Direct Mortgage Purchase Option
If your net monthly salary is above GHS3,000. All home mortgages under this option are structured as Seller-Financed Mortgages (SFM) or Developer Mortgage Option, legal mortgage contract which does not require Bank of Ghana (BoG) oversight but admissible in any competent court in Ghana. You may seek independent legal advice.
Open to any qualified Salaried Worker (Public or Private Sector). The maximum mortgage interest rate is 12.00% p.a. (Maximum for Healthcare Workers and Teachers in the Public Sector is 10.00% p.a.)
More on our direct in-house home mortgages here.
Both Rent to Buy and Direct Mortgages are all priced and repaid in Ghana Cedis (GHS) and NEVER any foreign currency.
We save you the hassle of struggling to come up with funds to buy land (risk of being caught up with land litigation), look for different artisans (most of them with unprofessional attitudes) and attendant half-hearted supervision, and taking over 5yrs (if you're lucky) to complete a simple house.
Once you complete our FREE ONLINE APPLICATION FORM, attaching all supporting documentation (Proof of Employment, Regular Income, Identification), we start the process of arranging for you to freely visit our construction sites for ongoing projects or viewing of completed projects. You DON'T pay us a DIME until you pick the keys to your habitable housing unit.
We're self-financed via The DCANS Group Limited (Global Balance Sheet Operations). We have different affordable housing options in line with our multi-strategy, optimum land use policies and timelines. We have developments (multiple units) one a standard one plot to over 10 acres developments (adjoining or dispartate) at different locations with different price points - Ongoing Construction, Completion and Handover for immediate occupancy till 2030.
All affordable housing units are delivered by both in-house building teams and a network of very qualified subcontractors.
HOUSING PROGRAMME FEATURES
• No Upfront Fees & No Deposit or Reservation Fees - Nothing Until Move-in
• Targeted at SSNIT / Cap-30 Salaried Workers and Registered Business Owners with REGULAR NET MINIMUM Monthly Salary or Income of GHS2,000.
• House prices range within GHS120,000 and GHS800,000.
• Housing units are 1-4 Bedrooms
• 1-3 Bedrooms are almost always Apartments.
• 3-4 Bedrooms are almost always detached or semi-detached houses
• Maximum interest rate for our in-house home mortgages is 12.00% per annum, in Ghana Cedis. All rates are fixed. The combined profit margins of the house price and 12% p. a. still makes it a commercially-viable venture, hence the capping of our in-house Ghana Cedi mortgage at 12% p. a.
• Maximum repayment period for our in-house home mortgages is 30 years, but not exceeding pension at 60 years.
• All house prices are quoted, sold and mortgaged in Ghana Cedis.
DCANS AFFORDABLE HOUSING PRICING GUIDE
The pricing guide below is for our Affordable Housing Range:
NO UPFRONT FEES & NO DEPOSIT
You don't pay a dime to apply to buy one of our affordable housing units until it's ready for move-in: You just need to meet our requirements. And n deposit or reservation fee required.
Beware of Fraudsters - We will NEVER call you to make any upfront payment. If we need to call you, it will only be for some clarification on your submitted application or scheduling free onsite visit or viewing.
If we need to call you, it will only be from any of The TDG Contact Centre Phone Numbers: 0244-189-193, 0244-189-817, 0244-189-402 - These phone numbers are configured for outbound phonecalls only and does not receive incoming phone calls. All phonecalls are monitored and/or stored.
If we need to communicate with you via whatsapp, it will only be from the dedicated shared whatsapp-enabled phone number of The TDG Contact Centre Phone Number: 0244-189-193.
All fraudulent text or whatsapp messages (incl those useless lottery messages) to any of our dedicated communication channels will automatically be deleted and senders blocked and/or blacklisted across all TDG Ecosystem Platforms.
COST CONTROL. COST EFFICIENCY. QUALITY HOUSING.
Inefficiencies are costly. Our NO UPFRONT FEES DELIVERY MODEL enables us to rid our operations off elevated cost structures (talkshop, viewing for unqualified persons, etc) and positioning us to deliver really true affordable - both demand and supply side financing taken care of, without traditional bank financing.
• Your verified and validated net monthly household income must be above GHS2,000
• Proof of Income: Most recent three (3) months payslips
• Most Recent 2 yrs SSNIT Statement if you're a Private Sector Employee (SSNIT Statement not required for Public Sector Salaried Workers)
• Valid ID Number: Passport, Driver's license, Voter's, SSNIT Number
HOW TO APPLY
Our NO UPFRONT FEE ZERO DEPOSIT Affordable Housing Homeownership has been scheduled that way for good reasons - Unloading mundane tasks and allow customer service representatives to focus on higher-order problem solving. All applications to buy are done online via dedicated platforms - No paper forms.
Site visits to ongoing projects or viewing of habitable move-in ready houses are completely FREE and strictly for only qualified applicants.
Salaried Workers (Public or Private Sector) :
NO UPFRONT FEES required to apply to buy and you don't need to be an existing customer of the TDG Ecosystem to apply.
You need to be an existing webhosting customer of GhanaStartups.org or DCANS Hosting (both sister companies), for your business to have already been profiled by them to be running a viable business before you can apply. However, if you regularly pay SSNIT (Tier 1) for yourself as a registered business owner, you can simply apply as a private sector salaried worker (as above) without being required to be an existing webhosting customer of GhanaStartups.org or DCANS Hosting.
We don't depend and/or traditional bank financing for development and construction and neither are prospective qualified affordable housing buyers required to make any upfront fees or payments.
Our construction financing are provided by in-house patient capital sources of The DCANS Group Limited (our parent company), coupled with capital and profit reinvestments enables us to enforce Group wide operational efficiency guidelines, and not to be clogged by (un)qualified buyers and/or mere talkers.
Some of our patient capital providers, including a full-compliant globally-focussed and other sister companies & specialised units, divisions and affiliates of The DCANS Group).
More on Our Funding Model.
THE DCANS CONTACT CENTRE
If we need to call you over the phone, it will only be from any of the following phone numbers:
The phone numbers above are configured not to receive incoming phone calls - Strictly for relevant outbound voice calls prospective or existing customers. Alternatively, existing customers can always contact their allocated Relationship / Account Manager.
The current phone numbers above are registered in the name of the founder of The DCANS Group Limited, in accordance with SIM regulation laws in Ghana. These phone numbers are dedicated for business use only and not necessarily held by the founder.
IN-PERSON MEETINGS / SITE VISITS / PROPERTY VIEWING
We only schedule relevant in-person meetings (including free onsite visits and property viewings) with qualified prospective homeowners who have applied and been approved. All in-person meetings are scheduled by appointment and would most likely take place at any of our offices below (nearest to the project site or prospective homeowner):
• Construction Site Offices
• TDG Koforidua Facility, Off Osabene Road, Koforidua.
• TDG Dodowa Facility, Dodowa.
Note that, in line with our Remote & Hybrid Work Policy, all administrative processes are done via our digital channels.
PLEASE DON'T USE OUR SERVICES IF YOU DISAGREE WITH HOW WE OPERATE.
DCANS AFFORDABLE HOUSING ALTERNATIVES
If for reasons you don't qualify for our affordable housing homeownership service (either as you being non-resident, or want your own custom designs), you may consider any of the following:
• Build Now Pay Later
This requires that you own your own litigation-free and/or encumbered land, and properly registered before you can use this service. Build Now Pay Later Ghana (a sister company & part of The DCANS Group Limited) will start or continue your building project to completion and allows you to repay up to 30yrs. No Upfront Fee required.
• Building Materials On Credit
The Builder's Choice Ghana (a sister & part of The DCANS Group Limited) allows you to buy all building materials on credit so long as you have a valid building permit for your project. Maximum repayment period is 60 months (5 years). No Upfront Fee required.
• Middle-Income & Luxury Homes
If you're non-resident or some other prospective homeowner or property owner category, you can get the process started via DCANS Properties Ghana (a sister company & part of The DCANS Group Limited).