Kigali, Rwanda
info@umuragestates.rw
+250 781 176 584

Mortgage Loan Assistance

Let us help you turn rent money into property ownership.

We Help You Own Your Dream Home

At UMURAGE Estates, we believe that every Rwandan deserves the chance to own a home. That’s why we created a complete **Mortgage Loan Assistance Service** that guides you step-by-step — from choosing the right property to securing a bank mortgage.

Affordable Properties

Whether you want a home, apartment, or investment property, we search for the most affordable, well-located and legally verified options on the market.

Explore Properties
We Connect You with Banks

UMURAGE Estates works closely with major banks to help you get the best mortgage interest rates, flexible repayment plans, and fast approval.

Consultation
Smarter Than Paying Rent

Instead of wasting money on rent every month, you can use the same amount to pay a mortgage — and end up owning the home 100%.

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Mortgage Loan Requirements

To apply for a mortgage loan through our partner banks, applicants are required to submit preliminary information for eligibility assessment. The official mortgage loan application form is issued only to applicants who meet the initial qualification criteria.

Bank & Application Process
  • Active bank account with a recognized financial institution
  • Preliminary application submitted through UMURAGE Estates
  • Eligibility assessment conducted based on income, credit profile, and property details
  • Official mortgage loan application form is provided only after the applicant is found eligible
  • Formal loan request letter indicating:
    • Amount requested
    • Preferred repayment period
Personal & Marital Documents
  • Copy of valid National ID or Passport
  • Spouse’s National ID (where applicable)
  • Marital status certificate
Employment & Income Verification
  • Signed salary confirmation or salary agreement from employer
  • Valid employment or service contract
Applicant Financial Contribution
  • Proof of personal financial contribution toward the total project or property cost, as required by the lending institution
Property & Construction Documents
  • Property or land valuation report from an approved valuer
  • Copy of land title with UPI number
  • Valid building permit (for construction projects)
  • Certified Bill of Quantities (BOQ) detailing construction costs
Important: Submission of preliminary information does not constitute final loan approval. Final approval, contribution levels, interest rates, and repayment terms are determined by the lending bank after full assessment.
UMURAGE Estates supports applicants throughout the eligibility review and bank submission process.

Why Keep Paying Rent of 300,000+ RWF?

Mortgage Loan Calculator

Estimate your monthly repayment and assess affordability.

Loan Estimation
Rates vary by bank and applicant profile.
Estimated Results

Monthly Repayment

RWF 0

Total Amount Payable

RWF 0

Financing Cost

RWF 0
Reflects interest over the loan period.

Estimates are indicative. Final terms depend on bank approval.

Every month, thousands of people in Rwanda pay 300,000 RWF to 500,000 RWF in rent. That money disappears forever — you never get it back.

But with a mortgage loan, that same monthly rent amount can be used to pay for your own home. At the end of the mortgage term, you become the 100% owner of the property — a life-changing investment.

Start Real Estate Business With 0% Capital

Mortgage loans also open a door to business opportunities. You can buy an apartment with almost 0% starting capital through a mortgage program. Then:

This is one of the smartest ways to enter real estate with minimum risk and maximum long-term reward.

Contact Us for Assistance

Our Trusted Bank Partners

We collaborate with top financial institutions to provide flexible mortgage loan solutions with competitive interest rates and fast approval.

Finance Your Home

Start your mortgage journey with flexible contribution options, subject to bank eligibility assessment.

Need Immediate Assistance?

Our experts are ready to guide you through your property journey. Schedule a consultation now.

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