Showing Sudan because that’s where you are.
Sudan 💰 SDG Last updated2026-05-28 Mortgage Calculator
Sudan
Known locally as تمويل عقاري
A Murabaha financing of 25,000,000 SDG at 32% profit rate over 10 years works out to a monthly payment of about ٦٩٦٬٢٦٣ ج.س., with total interest of ٥٨٬٥٥١٬٥٦٠ ج.س. over the full term.
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Local context Mortgages in Sudan
Market overview
Sudan's mortgage market has been severely disrupted by the April 2023 RSF-SAF conflict, with most banks operating at limited capacity. The Central Bank of Sudan (CBoS) supervises a fully Islamic banking system led by Bank of Khartoum (BoK), Faisal Islamic Bank, Omdurman National Bank and Saudi-Sudanese Bank. All financing uses Murabaha, Ijara or Musharaka sharia structures; conventional interest is prohibited under the 1983 Sharia laws.
Why 32% is the typical rate
Effective profit rates of 28-38% on Murabaha contracts reflect inflation exceeding 100% in 2024, severe SDG depreciation in parallel markets, and CBoS Murabaha Margin Guidance which moves with inflation expectations rather than a conventional policy rate.
Tax & regulatory notes
Registration fees under the Lands and Surveys Act and Land Settlement and Registration Ordinance run 3% of declared value. The Regulation of Banking Business Act 2003 mandates fully Islamic finance. Property markets have been disrupted by mass displacement since the April 2023 conflict; parallel-market USD pricing dominates Khartoum and Port Sudan transactions.
A Murabaha financing of 25,000,000 SDG at 32% profit rate over 10 years
٢٥٬٠٠٠٬٠٠٠ ج.س. 32% 10 years (120 months) ٦٩٦٬٢٦٣ ج.س. ٥٨٬٥٥١٬٥٦٠ ج.س. ٨٣٬٥٥١٬٥٦٠ ج.س. 
