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TAGThe Akristal Group

Buy with a mortgage

Know your monthly payment before you fall in love with a home, then let Akristal help you through the bank.

Work out your paymentGet pre-qualified

How it works

  1. Step 1

    Check what you can afford

    Use the calculators below to set a realistic budget before you start viewing.

  2. Step 2

    Get pre-qualified

    Send a few details. Akristal reviews your figures and tells you which lenders fit.

  3. Step 3

    Choose your home

    Pick a listing or an Akristal development. Your Akristal broker or agent negotiates the price.

  4. Step 4

    Approval and handover

    The bank values the home and approves the loan. You sign, pay the deposit and collect the keys.

Mortgage calculator

Change the price, deposit, rate and term to see your monthly payment and the full repayment schedule.

RWF
20%, RWF 24,000,000
16% a year

Starting figures are typical for RWF mortgages; change them to match your bank's offer.

Monthly payment

RWF 1,335,606

Loan amount
RWF 96,000,000
Total interest
RWF 224,545,369
Total you repay
RWF 320,545,369
Deposit
RWF 24,000,000

Estimate only, not a loan offer. Your lender sets the final rate, deposit and term after assessing your application.

Repayment scheduleShow
YearPrincipalInterestBalance
1RWF 718,443RWF 15,308,826RWF 95,281,557
2RWF 842,210RWF 15,185,059RWF 94,439,347
3RWF 987,298RWF 15,039,971RWF 93,452,050
4RWF 1,157,380RWF 14,869,888RWF 92,294,669
5RWF 1,356,763RWF 14,670,505RWF 90,937,906
6RWF 1,590,494RWF 14,436,775RWF 89,347,412
7RWF 1,864,489RWF 14,162,779RWF 87,482,923
8RWF 2,185,687RWF 13,841,582RWF 85,297,236
9RWF 2,562,217RWF 13,465,052RWF 82,735,020
10RWF 3,003,612RWF 13,023,657RWF 79,731,408
11RWF 3,521,046RWF 12,506,222RWF 76,210,362
12RWF 4,127,620RWF 11,899,649RWF 72,082,742
13RWF 4,838,688RWF 11,188,580RWF 67,244,054
14RWF 5,672,253RWF 10,355,016RWF 61,571,801
15RWF 6,649,416RWF 9,377,852RWF 54,922,385
16RWF 7,794,916RWF 8,232,352RWF 47,127,469
17RWF 9,137,753RWF 6,889,516RWF 37,989,716
18RWF 10,711,921RWF 5,315,348RWF 27,277,795
19RWF 12,557,272RWF 3,469,996RWF 14,720,523
20RWF 14,720,523RWF 1,306,745RWF 0

How much can you afford?

A quick guide based on your income, existing repayments and savings.

RWF
RWF

Car loans, other mortgages, credit cards.

RWF

You could afford a home of about

RWF 95,471,376

Monthly repayment within budget
RWF 1,050,000
Loan you may qualify for
RWF 75,471,376

Assumes debts stay under 35% of income, 16% interest and a 20-year term.

See homes in your budget

Estimate only, not a loan offer. Your lender sets the final rate, deposit and term after assessing your application.

Get pre-qualified

Tell us about your income and deposit. Akristal will tell you which lenders fit and what to prepare. It does not affect your credit record.

Akristal lending partners

Partner lenders will be listed here. Until then, send the form and Akristal will point you to lenders that fit your situation.

Phone or email: one is enough.

Prefer to skip the bank?

With Pay Small Small you pay Akristal directly: a deposit, then monthly instalments over up to 5 years.

See Pay Small Small

Mortgage questions

How much deposit do I need?

Banks usually ask for 10% to 30% of the price, depending on the country, the lender and your income. The calculator starts with a typical figure for each currency.

Can I get a mortgage if I live abroad?

Some lenders offer diaspora mortgages. Say where you live and earn in the pre-qualification form and Akristal will point you to the options.

What documents will the bank ask for?

Usually ID, proof of income (payslips or business statements), bank statements for the last six to twelve months, and the sale agreement for the home.

Mortgage or Pay Small Small?

A mortgage spreads the cost over many years through a bank. Pay Small Small spreads it over 6 months to 5 years, paid directly to Akristal, and your bank can cover part of it. The right choice depends on your budget and how fast you want to own the home outright.