{"id":110425,"date":"2026-05-04T18:06:29","date_gmt":"2026-05-04T17:06:29","guid":{"rendered":"https:\/\/univga.org\/courses\/credit-immobilier-financement-de-lhabitat\/"},"modified":"2026-05-04T23:41:31","modified_gmt":"2026-05-04T22:41:31","slug":"real-estate-credit-housing-financing","status":"publish","type":"courses","link":"https:\/\/univga.org\/en\/courses\/credit-immobilier-financement-de-lhabitat\/","title":{"rendered":"Real Estate Credit &amp; Housing Financing"},"content":{"rendered":"<p>Ce certificat professionnel (2 mois) en Cr\u00e9dit Immobilier &#038; Financement de l&rsquo;Habitat propose une formation op\u00e9rationnelle d\u00e9di\u00e9e aux pratiques de financement du logement dans la zone CEMAC. Con\u00e7u pour les professionnels et les jeunes dipl\u00f4m\u00e9s, le cursus couvre l&rsquo;analyse de solvabilit\u00e9, l&rsquo;\u00e9valuation immobili\u00e8re, la structuration des produits de cr\u00e9dit et la gestion du risque en conformit\u00e9 avec les cadres r\u00e9glementaires locaux. La formation est 100% en ligne: tous les contenus sont accessibles via une plateforme e-learning, avec vid\u00e9os interactives, classes virtuelles, forums collaboratifs et projets \u00e0 distance. <\/p>\n<p>Au terme du programme, vous serez capable de monter et instruire des dossiers de pr\u00eat, d&rsquo;\u00e9valuer les garanties, d&rsquo;utiliser des outils num\u00e9riques de simulation et d&rsquo;appliquer des m\u00e9thodes de scoring adapt\u00e9es aux march\u00e9s africains francophones. Le parcours privil\u00e9gie les mises en situation virtuelles et simulations num\u00e9riques pour un apprentissage pragmatique et imm\u00e9diatement applicable en milieu bancaire, microfinance, fintech ou soci\u00e9t\u00e9 de promotion immobili\u00e8re. Ce certificat vise des d\u00e9bouch\u00e9s concrets: charg\u00e9 de cr\u00e9dit immobilier, analyste risque, conseiller en financement de l&rsquo;habitat ou gestionnaire de produits de pr\u00eats.<\/p>\n<h3>Benefits<\/h3>\n<ul>\n<li>Master the methods of creditworthiness analysis and property valuation adapted to the CEMAC context.<\/li>\n<li>Design and process real estate financing applications in accordance with local regulatory standards.<\/li>\n<li>Analyze and quantify credit risks to propose relevant guarantees and covenants.<\/li>\n<li>Evaluate and structure credit products (amortization, duration, rates, insurance) for different borrower profiles.<\/li>\n<li>Create and configure financial simulations and simple cash flow models for financing decisions.<\/li>\n<li>Optimize credit decisions using digital tools, scoring, and performance indicators.<\/li>\n<li>Draft operational recommendations for monitoring and managing a housing loan portfolio.<\/li>\n<\/ul>\n<h3>Target audience<\/h3>\n<ul>\n<li>Bank client managers and credit agents wishing to specialize in housing credit.<\/li>\n<li>Real estate loan advisors, wealth managers, and product managers.<\/li>\n<li>Microfinance professionals, cooperatives, or fintechs active in housing credit.<\/li>\n<li>Graduates with a Bac+2\/BTS\/DUT seeking a short and professional specialization 100% online.<\/li>\n<\/ul>\n<h3>Prerequisites<\/h3>\n<ul>\n<li>Bac +2 (DUT, BTS) or equivalent in economics, management, banking, finance, or real estate.<\/li>\n<li>Or at least 1 year of professional experience in credit, real estate sales, insurance, or microfinance.<\/li>\n<li>Basic knowledge of accounting and financial mathematics.<\/li>\n<li>Proficiency in computer tools (spreadsheet) and stable internet connection; professional French.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Ce certificat professionnel (2 mois) en Cr\u00e9dit Immobilier &#038; Financement de l&rsquo;Habitat propose une formation op\u00e9rationnelle d\u00e9di\u00e9e aux pratiques de financement du logement dans la zone CEMAC. Con\u00e7u pour les professionnels et les jeunes dipl\u00f4m\u00e9s, le cursus couvre l&rsquo;analyse de solvabilit\u00e9, l&rsquo;\u00e9valuation immobili\u00e8re, la structuration des produit<\/p>","protected":false},"author":1,"featured_media":88232,"template":"","course-category":[1936],"course-tag":[],"class_list":["post-110425","courses","type-courses","status-publish","has-post-thumbnail","hentry","course-category-departement-banque-finance-assurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.9 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Cr\u00e9dit Immobilier &amp; Financement de l&#039;Habitat \u2014 UNIVGA<\/title>\n<meta name=\"description\" content=\"Ce certificat professionnel (2 mois) en Cr\u00e9dit Immobilier &amp; Financement de l&#039;Habitat propose une formation op\u00e9rationnelle d\u00e9di\u00e9e aux pratiques de\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/univga.org\/en\/courses\/real-estate-credit-housing-financing\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit Immobilier &amp; 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