Banks must pledge mortgage loans representing at least 50% of the loan amount when applying for refinancing. CRRH-UEMOA gives banks two years to gradually build up a portfolio of mortgage loans equal to 120% of the loan amount, after which the bank has a further year to obtain the CIHs. Throughout the period during which the portfolio is gradually built up, CRRH-UEMOA supports the banks with field missions, technical assistance and training.