DCANS Affordable Housing Programme deliberately sets the home prices relatively low, knowing the low income levels of most Ghanaian workers, coupled with late employment, lower pension ages, higher interest rates.
A. TWO (2) BEDROOMS PRICING
The pricing guide below is for our Affordable Housing Range:
Sample 2-Bedroom Designs
B. THREE (3) BEDROOMS PRICING
The pricing guide below is for our Affordable Housing Range:
Sample three (3) Bedroom Designs:
ADDITIONAL INFORMATION ON COMPARISON TABLE ABOVE
Before 2026, applicable VAT on real estate in Ghana was just 6% (5% VAT + 1% COVID Levy). But since the implementation of the VAT Act 2025 (Act 1151) from 1st January, 2026, VAT on almost all residential real estate is now 20% (15% VAT + 2.5% NHIL + 2.5% GETFund).
There are a few exemptions to this new vat, but all properties sold by any developer in Ghana are covered by this steep vat increase.
All VAT and Stamp Duties are paid to the Ghana Revenue Authority (GRA) but it is the developer or financier (Collecting Agent) that collects them from the buyer and passes them on to the GRA.
DCANS VAT & STAMP DUTY ASSISTANCE
Even before the new risen vat rate, housing was unaffordable for most prospective buyers. This obviously makes it extremely unavailable for first-time buyers now, in a country of late employment, low income levels, high interest rates and relatively high property prices.
The DCANS Group Limited (Corporate Parent) offers direct VAT & Stamp Duty Assistance for anyone buying any of our units with a mortgage from any of our in-house built-in direct mortgage providers, with minimum repayment period of five(5) years.
This relief comes off our total mortgage interest over the life of the provided repayment mortgage, but that amount would have to be made available to us at move-in time (not before), to pass it on to GRA on your behalf.
For example:
The total mortgage interest on 20yr no down-payment mortgage on a GHs400,000 property at annual interest rate of 8% on will be GHs402,983.
The applicable VAT (20%) and Stamp Duty (1%) on the GHs400,000 property will be GHs80,000 and GHs4,000, respectively. The total of GHs84,000 is what we're sacrificing off the mortgage interest for your benefit to use it to settle GRA for their applicable taxes.
So the amount to hand over at move-in time will be the GHs84,000 to pass on to GRA on your behalf.
Finally, the total mortgage interest payable to us would have reduced from GHs402,983 to GHs318,983 (GHs402,983 minus GHs84,000).
PRICING POLICY
It's important to note that until you make your reservation to lock in the property price, the price would have increased upwards and your previous assessment may not be valid.
TYPICAL LOCATIONS
You can find some of our locations for our affordable housing units here.
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