Accra Housing Guide

GHANA HOUSING GUIDE

Introduction

The Jumia House Housing Guide - Accra Edition is a manual published yearly. It serves as a resource for individuals and investors and provides real estate agencies, apartment owners, and property managers the opportunity to directly showcase their available housing options to our readership. From FAQs and checklists about renting, this guide has it all.

Use it as a starting point to navigate the tricky business of obtaining property in one of the most opaque, yet promising, housing markets in Africa.

If you have any feedback or a specific question related to finding housing, please contact us.
Jumia House Ghana
+233 (0)54 451 0009
contact@house.jumia.com.gh

Questions All Property Hunters Should Ask

Accra's real estate market is full of exciting properties that offer great amenities and location perks. To make the most of these options, there are certain questions particular to the country all property hunters--renters and buyers--ought to ask, some of which might not seem apparent at first.

  • Seller/Landlord/Developer

    • Is the individual or firm selling the property credible?

      • If you consult a firm, is this company part of any major real estate organizations, like the Ghana Real Estate Developers Association (GREDA) or the Ghana Real Estate Professional Association (GREPA)?
      • Where did you learn of the seller? From a trusted site like Jumia House, or through uncautious Internet browsing?
      • For how long has the company existed?
      • How familiar is he or she familiar with current real estate laws and regulations?
      • Is the real estate or developer company registered?

    • Why does the seller/landlord wish to sell/lease the property?
  • Pricing

    • How does the price compare to your willingness to pay?
    • Are there other properties (for either rent or purchase) in the neighborhood?
      • For how much are they selling?
      • Is the property you are examining a price outlier?
    • Have other offers been made on this property?
    • For how long has the property been on the market?
    • What is the expected up-front deposit?
    • In which currency is the property listed? How might this affect your ability to pay?
    • What is the seller's willingness to negotiate the price?

  • Location

    • Is the neighborhood suited to your needs? Are there schools, hospitals, amenities, markets, grocery stores, sports clubs, nightspots, restaurants, embassies, police stations, religious establishments, and transportation options in the neighborhood that meet your preferences?
    • Is there heavy noise from animals, airports, busy roads, open-air markets, construction sites, churches, revival halls, mosques, other religious establishments, or other public spaces? Do neighbors produce noise late at night or early in the morning (i.e. singing, chanting, children going to school, people coming home from bars, etc.)
    • What is the sanitation situation?

      • Are there open sewage gutters near the property? How wide are they? Might they pose a hazard to your children, elderly relatives, or vehicle?
      • Is the property near a beach that contains garbage or pollution? Is it located near a freshwater body that might attract mosquitos and other insects?
      • Is there a well-established system for garbage disposal (i.e. in a gated community), or are you expected to dispose of your own waste?
      • Does the property contain a Western style toilet, shower, and sink, or are alternative methods used?

    • Are there adequate sidewalks or pedestrian walkways where you can move freely beside cars on the road?

  • Safety
    • Do you feel safe in the neighborhood?

      • What is the neighborhood's reputation amongst Ghanaians who do not live there? Amongst other foreigners (if applicable)?
      • Are the streets in the neighborhood well-lit and well-populated at night?
      • Are there many stray animals that might pose a risk to your health and safety?
      • How long does it take to walk to the nearest police station?
      • Is the property unusually nice or poor compared to others in its neighborhood?
      • How reliable and legitimate is the seller or lessor of the property? Does he or she live in or near the property?
      • Do the neighbors speak a language that permits mutual understanding and communication?
      • Does the property come with 24-hour security, or are you expected to provide it yourself?

        • How many security guards are there?
        • Is there a gated security fence, wall, or other structure? Is this gate operated manually by you or a guard or automatically using a remote?
        • Are there security cameras on the property? Where are they situated?
        • Is there a guard dog or other animal that might mistakenly pose a hazard to you or your family?
        • Is the parking garage directly connected to the main entrance of the property, or will you walk away from the secured garage premises to access main entrance?

      • Will you have to park your car in the street?

  • Electricity and Water

    • Is there a reliable supply of electricity and water?

      • Which parts of the neighborhood experience power cuts most frequently?
      • For roughly how many hours, on average, might you be without power each day?
      • Does the property come with a generator? Are you expected to maintain it and/or supply fuel, or is this responsibility covered by another party in the terms of the lease or purchase agreement?
      • Does the property have its own water tank?
      • What is your contingency plan in case of water or power failure?
      • Do street lights work in the evenings, if they exist at all?


  • Traffic and Commuting

    • Does the property allow for a smooth daily commute to work, university, or your child's school?

      • Will your daily travel time exceed that with which you would feel comfortable?
      • Is the property located in an area that puts your daily commute in the flow of traffic or against it?
      • Are there side streets and alleyways in the neighborhood that might allow you to bypass heavy traffic?
      • Is the property located near a busy road that might pose a hazard for children, pets, or the elderly?
      • Is there a reliable supply of public transit and taxis in the area, or will you need to walk some distance to reach them?
      • What is the quality of the roads? Will your vehicle's tires be able to handle potentially poorly paved roads?
      • Might you be able to carpool with other neighbors?


  • Structure and Maintenance

    • When was the property built?

      • Who occupied it previously?

    • How many rooms are in the property?
    • Is the structure and layout of the property suitable to your needs?

      • Is the property furnished, semi-furnished, or totally unfurnished?
      • How many stories does the entire property contain? Which stories will you use?
      • Is there ample space for food preparation?

        • Is the stove gas- or electric-powered?
      • What is the layout of the rooms? Are there any that might be off-limits to you?

        • Is there adequate closet space?
      • How close is the property to other units, houses, or compounds?

    • Does the property's structure provide adequate protection against poor weather (i.e. during the rainy season)?

      • Is there water damage in the walls, closets, or gutters?
      • Have the basement or lower levels of the property ever flooded?
      • Does the design of the roof encourage water to seep into or away from the property? Are there cracks in the roof?
      • Have electrical fittings faced damage?

    • Is the property well-insulated against heat?

      • Is there air-conditioning?

    • What types of building materials were used to construct the property?
    • What level of responsibility would you bear for any damages to the property caused by you or your guests?
    • Does the property need repair, either aesthetic or structural?

      • If so, how much money would it cost you to repair or remodel the property to your preferences? Is the opportunity cost of doing so too high?
      • What advice or commentary does the real estate agent, broker, or apartment owner provide about handling these repairs?

    • Is there a pool, garden, tennis court, backyard, and other outdoor amenities?

      • Are they exclusively yours or will they be shared with others?
      • Who is expected to maintain these facilities?
      • Is the outdoor area enclosed and separated from other properties?

    • Are there reliable contractors in the neighborhood who might be able to promptly address your maintenance needs?

  • Rules and Regulations

    • Are you allowed to keep pets on the property?
    • Do zoning laws forbid you to host multiple families on the property?
    • Are you allowed to use the property as a residence and an office?
    • What parking laws govern the neighborhood?

Rent or Own: The Pros and Cons

People interested in obtaining property in Accra have two primary options: renting and owning. Like in any market, both present benefits and challenges. However in Accra, a variety of factors, including cost, availability, and location, impact renters and buyers differently. Ultimately, acknowledging these factors and individual preferences will help identify the pros and cons of both options.

According to our 2014 annual report, The State of Real Estate in Ghana, only 13% of Ghanaian adults own houses, whereas 60% can afford to rent. At least 13% of the population can afford neither, reflective of a clear need for more affordable housing options. Current estimates put the national housing deficit at 1.7 million units, representing both a major opportunity for investors in houses in Ghana, but also a major challenge for lower- and middle-income buyers.

Renting a Residence in Accra

Accra contains many neighborhoods that offer a variety of condominiums and traditional flats for rental, often to expatriates. Advantages of renting include:

  • Highly negotiable rent prices
  • More flexibility in the duration of one's stay
  • Having a contingency for failure to qualify for a home loan
  • No individual responsibility to arrange security or building maintenance

In Accra, particular challenges exist in the rental market, including:

  • Difficulty finding apartments available for short-term stays, let alone affordable ones
  • Requests from landlords to pay between one to three years of rent in cash up front, or to commit to a contract of this length
  • Potential eviction by the landlord on short notice should he or she demonstrate immediate need for personal or family use (the Rent Act of 1963 does mandate, however, that some time be given for evictees to secure new housing)
  • 8% tax on income generated from collecting rent

Buying a Residence in Accra

Buying residential property in Accra remains a worthwhile investment. The robust property market has attracted not only expatriates and foreign investors, but also repatriated Ghanaians and middle- to high-income citizens of the country. Buying property in Accra has its share of advantages, including:

  • A chance to realize robust returns on investment in a growing market (our 2014 report put the annual growth rate of the Ghanaian real estate sector at 11%)
  • Low property tax rates
  • A national housing deficit that puts home ownership at a high premium
  • A variety of locations, property styles, and amenities from which to choose
  • Highly negotiable prices
  • Ability to establish a long-term base and account for the tastes and preferences of one's family Nonetheless, the market poses significant challenges, particularly related to pricing, access to capital, and macroeconomic policy, including:

    • High costs of buying property
    • Sellers and agents heavy emphasis on the narrow luxury and ultra high-end sector of the market, often at the expense of affordable housing for middle-income buyers
    • Extremely high mortgage interest rates that are unfavorable to most buyers
    • Long-term commitment, financial and otherwise, to the property

Starting Online

Gone are the days when you had to drive between neighborhoods in search of For Sale signs or browse newspaper advertisements for apartment vacancies.

Whether you choose to rent or buy, it's always best to begin your search for a new property online. The digital marketplace is an ever-expanding space, and as realtors and apartment owners become more savvy to Internet marketing practices, they have begun to rely on digital resources to generate interest in their properties.

Jumia House is a global online real estate marketplace that allows consumers to search for properties and sellers to advertise what they have available. Based on location, prices, amenities, and other features, buyers can tailor their property search to their needs. Our product allows buyers and sellers to synthesize their interests in a streamlined manner. Ultimately, beginning one's search online reduces the stress and opacity of the process.

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Real Estate Agents

Starting the search online, however, is no substitute for consulting the services of a real estate agent. Jumia House is not a real estate agent or broker; rather it allows companies to advertise their properties on our website. In a tricky market like Ghana, relying on the advice of a trustworthy real estate agent is key.

Jumia House provides real estate agents with the tools to access the robust digital marketplace. We host property listings and advertisements for agents, brokers, and developers and publish expert insights about the market. Agents who list on Jumia House are directly connected to potential buyers. Furthermore, real estate agents can gauge consumer interest in specific locations and and building styles.

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Renting Residential Property in Accra

Trends in Rentals

  • Prices

    • Apartment prices in Accra can be quite high, even for rentals. In all of the top ten most expensive locations in the city, the median per bedroom yearly rental price exceeds €10,000. In the first quarter of 2015, the yearly per bedroom price in two of the city's most costly areas, Airport City and Airport Residential, exceeded €13,000, while North Ridge, Cantonments, and Ridge followed closely behind as three other pricey areas for apartment rentals.
    • House rental prices closely resemble those of apartments, the area with the most expensive median per bedroom yearly rent being Ringway Estates at €14,782. All with median per bedroom yearly rent above €12,000, Ridge, North Ridge, Airport West, and Cantonments contain some of Accra's most expensive house rental real estate as of the first quarter of 2015.

  • Popular Neighborhoods

    • The five most highly demanded neighborhoods in Ghana, as measured by the number of searches on our website in May 2015, are all in the Greater Accra region. The prime residential neighborhood of East Legon took the lead, with Spintex, Cantonments, Trassacco, and Airport Residential among Accra's hottest neighborhoods as well.
    • Generally speaking, property supply corresponds with property demand in Accra's top areas. East Legon contained the greatest number of listings, with Spintex, Cantonments, Dzorwulu, and Airport Residential also maintaining a high supply of properties.

For Tenants

Anyone who wants to rent and occupy a property for a specified period of time is known as a tenant. Tenants receive draft tenancy agreement (lease agreement) , from either an agent or the landlord, that contains stipulations of rental costs and expectations for all parties involved. The tenancy agreement should include:

  • The names of the tenant and landlord
  • The property address
  • The rental costs (and regulations governing potential changes to these costs)
  • The duration of the lease
  • The upfront deposit costs (including security deposit)
  • The obligations of the landlord and the tenants :

    • The furnishings, utilities, and other provisions guaranteed by the landlord
    • The party or parties expected to maintain the building or apartment unit
    • The rules and regulations (i.e. noise, pets, children, etc.) the landlord expects tenants to observe

  • The terms and conditions of termination of the agreement

In Accra, all of these specifications are negotiable. If you, the tenant, feel uncomfortable with any of the stipulations, do not hesitate to ask the landlord to incorporate them into the agreement. For example, if the initial asking price is too high (which it often is), attempt to reach a happy medium with the landlord. If the landlord is not inclined to meet your conditions, walk away from the property.

Tenancy agreements must follow Ghanaian law. Especially for expatriates, the importance of signing a good contract cannot be overemphasized in order to ensure a clear roadmap such that both parties know what to expect.

The Rent Act (Act 220) was established in 1963 and mandated the Rent Control Division as the body to monitor guidelines that manage tenant-landlord relationships. Lawmakers developed the Act to prevent undue evictions by landlords and to protect tenants against unforeseen changes to lease agreements and rental costs. Still, a court can order the vacation of the tenant from a property should the landlord choose to renovate it or require it for immediate personal use. In case of eviction, the law provides the tenant a period of time, typically three months, to secure new accommodation.

If you have any issues with your landlord, start by reviewing the original tenancy agreement in detail and talking with your landlord. If you need third-party assistance, the best option is to speak to the Rent Control Division. Should the need absolutely arise, the legal system is available to handle real estate disputes as a method of last resort at your discretion.

Short-Term Rentals

The overwhelming tendency in Accra is for leases to last between one to three years, with a substantial portion of the rent due up front. For expatriates uncertain about the duration of their posting in Ghana or young local professionals undergoing a life transition, relatively long-term rentals are ideal.

However, rental properties for shorter-term stays (i.e. one to six months) are less commonly available. Nonetheless, it is still possible to find accommodation for this length of time. One popular option is serviced apartments that provide full furnishings for limited durations and are still cheaper than hotel rooms. Expatriate and professional networks, travel forums, and local friends and family are great options to begin the search for rental properties for less than six months.

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Buying a House in Accra

Homeowners Insurance

If the June 2015 floods in Accra taught us one thing, it's that the value of precautions to safeguard one's health, safety, and livelihood is immeasurably high.

The same lessons apply to those buying homes. But unlike in the United States and other countries where compulsory fire insurance for homeowners and businesses is heavily enforced, similar mandates typically go unheeded in Ghana where, according to a 2014 report on the insurance sector in Africa published by KPMG, the insurance market has a penetration rate of only 2%.

Homeowners should expect to buy fire insurance that typically covers fire and other occurrences, like explosions, gas leaks, natural disasters, and civil disturbances. Variously priced tiers of insurance offer various levels of coverage, some just for fire, others for a range of calamities. While insurance represents an additional cost, it should not be ignored; the cost of rebuilding a fire- or flood-damaged house out of pocket undoubtedly exceeds one's monthly insurance payments. According to another KPMG report, SIC Insurance, Star Assurance, Enterprise Insurance, Metropolitan Insurance, and Vanguard Assurance were five of the largest non-life insurance providers in Ghana, but many foreign and local competitors exist. Furthermore, a budding micro-insurance industry represents another opportunity for homeowners to secure insurance products.

The key is to choose the right insurance company with terms and conditions that suit your needs. You are expected to pay a monthly premium and should you face an unexpected disaster, the insurance company should pay the amount of your claim.

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The Basics of Land Ownership in Accra

Most land in Accra is not owned by private entities, or even by the national government. Instead, it is usually owned by traditional community leaders and chiefs, or stools. Allodial ownership, meaning sovereign autonomy over a land, is generally held by these traditional entities. This article will explain the various forms of land ownership and the complications that may arise should you choose to acquire land.

Types of Land Ownership

Land in Accra is held by various stool/skin leaders, families, or clans, who are the allodial owners thereof. These lands are known as customary lands and, according to Appiah (2011), make up about 80% of all land in Ghana.

  • Public lands, which roughly form the remaining 20%, are comprised of state lands and vested lands.
  • State lands refer to those acquired by the Government of Ghana from traditional allodial owners.
  • Vested lands refer to those owned by the state and customary authorities in a form of partnership, i.e. split ownership (Larbi, 2008).

Types of Land Interests and Titles

Land can be distributed and leased with various titles:

Allodial Title :

The allodial title is the highest legally recognized land title. Only traditional leaders, families, and the Ghanaian government can hold such a title.

Freehold Title Interest:

  • Customary Freehold: Effectively, this agreement only allows members of the traditional community to participate in land acquisition. Individuals or groups can hold this interest in a land that is allodially owned by a larger traditional community of which the interest holders are members or subjects. It is an interest that is transferable to successors of the individual or subgroups until there are no successors.
  • Common Law Freehold Common law freehold is similar to the customary freehold. The difference, however, is that this interest can be acquired by both strangers and members of the community that owns the land. A stranger in this regard refers to a Ghanaian national who is not a member of the land-owning community. It is important to note that the 1992 Constitution by article 267 (5) forbids the creation of freehold interests in stool land in Ghana.

Leasehold:

A leasehold/lease is an interest in land that has a specified start and end for a period, subject to payment of annual ground rents and covenants. This land interest is the type of agreement that allows non-Ghanaians to develop new property in the country. Leasehold agreements should contain:

  • Names of the interested parties
  • The starting date and duration of the agreement
  • The specific property being leased (usually depicted by the site plan)
  • Conditions for renewal or nonrenewal and other covenants
  • A specific consideration (a lump sum, or periodic payments, such as groundrent) for granting the use of this object

Acquiring Land as a Foreigner

It is impossible for foreign nationals to obtain full allodial ownership of lands in Ghana. Nonetheless, foreign developers, investors, and builders can still construct property on land leased from government or stool communities. The typical lease agreement in Accra lasts 99 years or more, but lasts a maximum of 50 years for foreigners. While the structure of land ownership in the country and macroeconomic realities might appear to deter foreign purchase of property, the national government does its part to encourage foreign direct investment (FDI) in real estate, where there exists a housing deficit of roughly 1.7 million units.

When acquiring land, always consult a legal expert for advice on what type of agreement to make. Negotiate components of the lease agreement and investigate the land's ownership history. Additionally, take precautions to ensure the legitimacy of the lessor. In order to obtain a title registry for the land, go to the Lands Commission and be sure to commence development or construction within the timeframe specified in the agreement. Once the lease contract is signed, it is final and legally binding, so ensure that all requirements have been met.

References

Appiah, Michael. Land Disputes Resolution in Ghana: The Role of Customary Land Secretariats (CLS).” Case of Gbawe Customary Land Secretariat, 2011.

Larbi, Wordsworth O. Compulsory Land Acquisition and Compensation in Ghana: Searching for Alternative Policies and Strategies. Presented at FIG/FAO/CNG International Seminar on State and Public Sector Land Management. Verona, Italy, September 2008.

Lodoh, C.H.K and da Rocha, B.J. Ghana Land Law and Conveyancing, 2nd Edition, 1999.

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Land Registration in Accra

Many of the insights expressed below came in collaboration with Kwame Ankapong Yeboah, Land and Property Investment Consultant, whom we thank.

Land Title Registration

This is a system under which an authoritative record is kept of the title to a particular parcel of land in a register. This system is different from registration of instruments under the Land Registry Act (Act 122); for where the title to land is registered, it is the land register and land certificate which contain evidence of title. It is important to note that when a title to the land is completely registered, the title is irrevocable.

Registrable Land

Types of registration instruments include: allodial title, common law freehold, leases, concessions, vesting assents, mineral and mining leases, and mortgages.

Steps to Acquiring a Land Certificate

  1. In Ghana, there are three laws that govern the registration of instruments and land titles. These laws include the Land Registry Act, 1962 (Act 122); the Land Title Registration Act, 1986 (PNDCL 152); and the Stamp Duty Act, 2005 (Act 689). After acquiring a land, an individual is expected to go to the Lands Commission with his or her documents to begin the registration process.
  2. The Stamp Duty Act requires that the instrument is stamped within two months of execution. Stamping is a condition precedent for registration.
  3. After the document has been stamped, you are required to submit the document to the land registration division of the Lands Commission where a yellow card is issued as form of acknowledgement of receipt.
  4. A letter is given in addition to the yellow card to be sent to the Survey Department for a cadastral/parcel plan.
  5. When the cadastral/parcel plan is produced, it is sent to the title office and an amount of money is paid for a publication to be made in the national newspapers. The essence of the publication is to announce to the world that someone has purchased a land and is registering the title, allowing any aggrieved parties to make their complaints before the individual is issued the title to the land.
  6. Simultaneously, the title office runs a search for potential counterclaims. If 21 days after the announcement of the title registration, the office may issue a certificate if the search did not reveal any contradictory grant.

Benefits of Land Title Registration

  • It reduces litigation; if everyone knows that this land has been registered, the purchaser is protected.
  • Title registration removes opportunity for fraud against innocent buyers.
  • It gives finality and secures an individual from counterclaims.
  • Registration allows easy transfer of interest if someone has a land title to their land, it becomes easy for them to sell it.
  • It enables the registered proprietor to use it as security for a loan.
  • Title registration provides useful information to valuers, buyers, inspectors, etc.

Challenges in Obtaining Land Title Registration

  • Customer service at the land agencies is typically poor.
  • Sometimes, land agency employees appear greedy and dishonest.
  • There is a lack of accessible information about the registration process.
  • The process is paper-heavy, stressful, time-consuming, and expensive.
Source: Kwame Ankapong Yeboah, Land and Property Investment Consultant
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Choosing the Right Off-Plan Property

How can one determine the right pre-sale property before it is constructed? Here, we provide you with some basic tips for selecting the right kind of pre-selling apartment.

An off-plan or pre-sale property in real estate terms refer to purchasing apartments or structures before they are completed. Bare lands are marketed and sold in advance to interested property owners before the buildings are constructed. Normally, interested buyers can only see a plan or photos of how the property will look after it has been constructed.

Choosing the Right Off-Plan Property

Purchasing an off-plan property requires time, patience, skill, and an eye for detail. For this reason, many people seeking to buy property shift the responsibility to real estate agents, an indication of how tedious the selection process can be. How does one determine the right kind of property in the construction stages? Are there features or characteristics that need to be searched before paying for the property? The following tips will help.

Select a Trustworthy Developer

How well do you know the developers whose property you are buying? Do they have a good track record? How many off-plan properties have they developed and sold? These are the questions you need to ask. There are a number of established developers who deal in off-plan properties. Investigate before you make that investment.

Consider the Location

As always, the location of the property is very important. Is the area developing quickly? Is it close to a commercial centre? What about accessibility to transportation? Visit the property site and assess its proximity to transportation lines, like roads and railway lines.

Look at the Property Plan

Insist on looking at the property plan the dimensions and other details, and remember to take into consideration the purpose for which you are purchasing the property.

Payment Options

How is the property going to be financed? Some off-plan properties require you to pay up front for the property, so consider how you will pay for the rest of the property. Weigh your options before you invest in the property.

Study the Contract

Ensure you ask for a contract. Study it carefully, preferably with a lawyer, and ask the necessary questions. If there are statements that need to be clarified, ask the developers before you sign the contract.

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Paying Property Taxes in Accra

Compared to many other countries, property taxes in Ghana are quite low, but the process by which they are administered is complex. Ground rent is what property owners pay to the allodial owners of land in Ghana; effectively, it functions as a property tax. Land ownership in Ghana falls under three titles: traditional stool lands, government lands, and family land. Ground rent is paid directly to whichever party fully owns the land.

Taxes are not determined by the value of the property, but instead by the class rating of the neighborhood. Class 1 neighborhoods, like East Legon and Abelenkpe face the highest levels of taxation, whereas Class 3 districts, like Jamestown and Chokor, are in the lowest bracket. The following chart depicts tax rates within the Greater Accra Region:

Neighborhoods are classed in the following manner (Source: Ghana Home Plans):

  • Residential Class 1A : Achimota Forest Residential, Roman Ridge, Airport West, East Legon, Ambassadorial Enclave, Ridge
  • Residential Class 1B : Zoti, Abelenkpe, Dworwulu, North Dworwulu, East Legon Extension, West Legon, Ringway Estates, Nyaniba Tesano-1.
  • Residential Class 2A : South Odorkor, Dansoman SSNIT, Addogon, New Dansoman Estates, Latebiokorshie, Candle Factory, Mamprobi, Kanda Estates, Dansoman Estates, Nima Akuffo Addo, Asylum Down, Naaflajo, GREDA Estates, New Achimota.
  • Residential Class 2B : Kwashieman North, Sakaman-Busia, Abofu New Dansoman, Mataheko, Osofo Dadzie, West Abbosey Okai, Dansoman Sahara, North Alajo, Adabraka, Tesano-2, Kaneshie, Borabora Estates, Awudome Estates, North Kaneshie, Abeka, Fadama, Apenkwa, North Kaneshie Estates CFC, Akweteman.
  • Residential Class 3A : Kwashibu, Kwashiman, North Odorkor, Odorkor Old Town, Kwashieman Old Town, Odorkor, Stanley Owusu, Banana Inn, Korle Gonno, Mamprobi Sempey, Maamobi, Old Dansoman, Kotobabi Police Station, Kpehe, Alajo, Kotobabi, James Town, Manhean, Alogboshie, Abeka Lapaz, Bubiashie/New Fadama, Kisseman/Christian Village
  • Residential Class 3B : Abossey Okai, Sukura, Russia, Sabon Zongo, Town Council Line, Mamponse, Tunga, Nima, Accra New-Town, Shiashie Village, Darkuman, Bawleshie Mempeasem, Anumle, North Abeka, Old Bubiashie, Nii Boyeman/Achimota
  • Residential Class 3C : Chorkor, Mpoase, Gbegbeise, Shiabu, Luga, Osu Amanfo/Alata.
  • Commercial Class 1 : CBD and Extended CBD
  • Commercial Class 2 : Extended Central Business District including Tudu, Osu Amantra, Osu Anorho, CDC, Kuku Hill, Airport West, Switch Back Road, Roman Ridge, Airport By-Pass, Police Quarters, and DVLA.

Ground rent rates apply uniformly, but funds are paid to stool, government, and family owners as appropriate. Ground rents are paid by property owners to the respective stool administration office, or, in the case of government, to the office of the Lands Commission. In case of family lands, arrangements are made with appropriate private individuals so that private allodial land owners receive requisite compensation.

Gross rental income is also taxed in Accra, with the owner of the rental property expected to pay 8% of this income, according to a 2014 Pricewaterhouse Coopers report . Levied by the Government of Ghana, this charge is known as a final tax.

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Useful Emergency and Government Phone Numbers

191 Police (*might not work on all networks, including MTN and Tigo)

192 Fire Service (*might not work on all networks)

193 Ambulance (*might not work on all networks)

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0302 664 605 Architectural and Engineering Services Ltd.

0302 518 401 Community Water and Sanitation Agency

0302 662 412 Electricity Company of Ghana, Accra East Branch

0302 666 577 Ghana National Fire Service, Accra Cantonments Headquarters

0302 666 911 Public Works Department

0302 670 399 Rent Control Department

0302 232 829 State Housing Corporation

The following websites contain additional emergency and government information. ---

http://www.ghana.gov.gh/index.php/emergency-numbers
http://www.mwrwh.gov.gh/index.php/dept-agencies
http://ama.ghanadistricts.gov.gh

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