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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.

USD
20%, USD 70,000
6.5% a year

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

Monthly payment

USD 1,891

Loan amount
USD 280,000
Total interest
USD 287,174
Total you repay
USD 567,174
Deposit
USD 70,000

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

Repayment scheduleShow
YearPrincipalInterestBalance
1USD 4,623USD 18,064USD 275,377
2USD 4,933USD 17,754USD 270,444
3USD 5,263USD 17,424USD 265,181
4USD 5,616USD 17,071USD 259,566
5USD 5,992USD 16,695USD 253,574
6USD 6,393USD 16,294USD 247,181
7USD 6,821USD 15,866USD 240,360
8USD 7,278USD 15,409USD 233,082
9USD 7,765USD 14,922USD 225,317
10USD 8,285USD 14,402USD 217,032
11USD 8,840USD 13,847USD 208,192
12USD 9,432USD 13,255USD 198,759
13USD 10,064USD 12,623USD 188,696
14USD 10,738USD 11,949USD 177,958
15USD 11,457USD 11,230USD 166,501
16USD 12,224USD 10,463USD 154,276
17USD 13,043USD 9,644USD 141,233
18USD 13,917USD 8,770USD 127,317
19USD 14,849USD 7,838USD 112,468
20USD 15,843USD 6,844USD 96,625
21USD 16,904USD 5,783USD 79,721
22USD 18,036USD 4,651USD 61,685
23USD 19,244USD 3,443USD 42,441
24USD 20,533USD 2,154USD 21,908
25USD 21,908USD 779USD 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.