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Diaspora Mortgage

Let us help you identify the best investment opportunity available back at home. Put money into business, land, property and grow your investment portfolio.

Mortgages For Diaspora Clients

Are you a Rwandan living and working in the Diaspora, and looking to buy a home in Rwanda?

KCB Rwanda Mortgages is offering you The KEY to your Dream Home



  • Financing of up to 75% of the value of the property or sale price whichever is lower for purchase.
  • Mortgage Term of up to 15 years subject to the terms of employment.
  • Plot Purchase of up to 70% financing for a term of 5 years.
  • Competitive interest rate - Bank’s Base rate of 16% p.a minus a 0.5% margin therefore 15.5% p.a.
  • Loan Repayments should not exceed 50% of one’s net income, inclusive of any other loans one could be servicing.
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  • Original pay-slips for last 3 months
  • Original Bank Statements for last 6 months
  • Letter from employer bearing employment details i.e terms, retirement
  • Copy of employment contract
  • Detailed CV
  • Copy of Residency permit or work permit.
  • Original Utility Bill
  • Duly completed application form
  • Copy of National ID / Passport
  • Open a Bank account
  • Copy of Title / Lease over property offered as security
  • Duly signed Sale Agreement/offer of sale
  • Spousal joint surety
  • Establish a power of Attorney to act on behalf of the client borrower for matters relating to the mortgage transaction.
  • Valuation report of property being financed (this should be carried out after preliminary assessment of applicant has been done but before submission of application documents).

Mortgage Related Costs

  • Valuation fees
  • Commitment Fees – 2% once off
  • Insurance – annual fire & life premium based on loan amount and value of property.
  • Notary fees for Mortgage offer letter and mortgage contract.
  • Three month’s loan repayment to be maintained in a current account for the term of the mortgage.


N.B If the application documents are not received in originals, these should be notarized.

For all your diaspora queries, please contact Christophe Jean Sayinzoga on email or Telephone 0788301193.

Interested in Diaspora Mortgage or have a question?