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TAGThe Akristal Group

Pay Small Small

Own a property without relying on a bank loan. Simply pay a deposit of 10% to 50%, and spread the balance in affordable monthly installments over up to 5 years, paid directly to Akristal. Already have a bank willing to finance part of your purchase? Akristal can seamlessly work alongside it.

Plan your paymentsApply for Pay Small Small
Deposit
10% to 50%
Pay over
6 months to 5 years
Bank loan
Optional
Not needed, but Akristal can work with your bank if you have one.

How it works

  1. Step 1

    Choose your home

    Pick an eligible listing or a unit in an Akristal development.

  2. Step 2

    Pay the deposit

    From 10% to 50% of the price when you sign your Pay Small Small agreement.

  3. Step 3

    Pay monthly

    Spread the balance over 6 months to 5 years. Your bank loan can cover part of it.

  4. Step 4

    Complete and move in

    Your agreement sets out handover and title transfer once the plan is paid.

Plan your payments

Enter the price, choose your deposit and how long to pay, add your bank's part if you have one, and see every payment with its due date.

RWF
10%, RWF 10,000,000
Spread the balance over

Deposit from 10% to 50%, paid over 6 months to 5 years.

Monthly instalment

RWF 7,500,000

for 1 year

Deposit today
RWF 10,000,000
Paid in instalments
RWF 90,000,000
Total you pay
RWF 100,000,000

Estimate only. Your signed agreement sets the final amounts and dates.

Payment schedule

PaymentDueAmountBalance after
DepositOn signingRWF 10,000,000RWF 90,000,000
126 Nov 2026RWF 7,500,000RWF 82,500,000
226 Dec 2026RWF 7,500,000RWF 75,000,000
326 Jan 2027RWF 7,500,000RWF 67,500,000
426 Feb 2027RWF 7,500,000RWF 60,000,000
526 Mar 2027RWF 7,500,000RWF 52,500,000
626 Apr 2027RWF 7,500,000RWF 45,000,000
726 May 2027RWF 7,500,000RWF 37,500,000
826 Jun 2027RWF 7,500,000RWF 30,000,000
926 Jul 2027RWF 7,500,000RWF 22,500,000
1026 Aug 2027RWF 7,500,000RWF 15,000,000
1126 Sept 2027RWF 7,500,000RWF 7,500,000
1226 Oct 2027RWF 7,500,000RWF 0

Who can apply

  • Valid national ID or passport
  • Proof of income or a guarantor
  • Signed sale agreement for an eligible home

The terms, in plain words

  • You sign a Pay Small Small agreement before paying the deposit.
  • Instalments are due monthly on the dates shown in your schedule.
  • Your agreement explains handover, title transfer, early payment and missed payments.
  • Prices and plan options are confirmed by Akristal for each property.

Apply for Pay Small Small

Tell us which property you want and how you would like to pay. We will confirm the plan and send your agreement.

Still choosing? See Akristal Developments or browse homes.

Phone or email: one is enough.

Questions about Pay Small Small

Do I need a bank loan?

No. You pay Akristal directly. If you choose to borrow part of the price from your bank, simply indicate the bank when you apply. Akristal can collaborate with your bank so that the loan covers part of the balance, while Pay Small Small takes care of the rest.

How is Pay Small Small different from a mortgage?

A mortgage is a traditional bank loan that you repay with interest over many years, after the bank reviews your income and approves your eligibility. By contrast, Pay Small Small is Akristal’s flexible in‑house payment plan, allowing you to spread payments directly with us over 6 months to 5 years. You also have the option to combine both—using a mortgage for part of the cost and Pay Small Small for the remainder—giving you greater flexibility in how you finance a property.

Which homes can I buy with Pay Small Small?

Selected listings and units in Akristal developments. Ask your broker or agent, or look for "Pay Small Small available" on a development.

Can I pay faster than the schedule?

Tell us when you apply. Your agreement sets out how early payments work.

What if I miss a payment?

Contact us straight away. Your agreement explains what happens with late or missed payments, so read it carefully before you sign.

Is there extra cost for paying in instalments?

Any premium for longer plans is shown in the calculator above and stated in your agreement.