The New Times spoke in an exclusive interview, to Deudonne Nsengiyumva, the sales and Marketing Director of ADHI Rwanda, the developers, for a step-by-step guide on acquiring a home in the estate. According to him, there are different styles of units that a buyer will have to choose from. He said that prices range from Rwf16.5 million to Rwf86 million per unit. However, only four models of units costing Rwf16.5 million, Rwf28 million, Rwf32 million and Rwf35 million have been put in the bracket of ‘affordable.’ The other two, added Nsengiyumva, include one of Rwf48 million and another of Rwf86 million, have been categorized as ‘non-affordable.’ "A buyer will need to verify that they are eligible for mortgage financing by registering with BRD (Development Bank of Rwanda) to obtain a clearance. BRD will perform a background check and verify that you fulfill all the eligibility criteria to access the 20-year mortgage at 11 percent,” he said.
The second step will be a visit to the model homes during which the buyer meets the ADHI sales team where they will explore the different home models depending on their income. "They will then book a preferred home and sign their reservation contract. The contract is estimated at Rwf75,000.” With a reservation contract in hand, Nsengiyumva pointed out that the buyer will then be guided to meet with a partner bank and get their loan application approved. "Once your loan is approved, you will be required to deposit a 10 percent down payment to the selected bank, and your money will be deposited in an escrow account until your unit is ready. The bank will then issue a commitment letter to officially book the unit of your choice.” Nsengiyumva highlighted that the final step will be transferring the property title deed in the buyer’s name. This he said, will be done after the bank has sent an approved valuer who will inspect the house and approve that it matches the specifications on the contract. "The bank will then be required to release the remaining 90 percent and pay us on your behalf before the house is handed over.” Meanwhile, ADHI Rwanda says that purchasing a non-affordable home will be done through Century Real Estate, one of the major real estate firm in the country.
Affordability While majority of affordable housing projects are widely cheered by industry players, the pricing per unit has for the past left many Rwandans out of the bracket. However, the new project seems to be relatively affordable based on the current annual average income of a Rwandan household according to Felix Nshimyumuremyi, the Director General of Rwanda Housing Authority (RHA). For instance, he said, after making the down payment on the Rwf16.5 million unit, a buyer would need to pay only Rwf153,200 per month, in a period of 20 years at an interest rate of 11 percent. If the same formula is carried out on the three other affordable units, then a buyer would have to pay a monthly fee of Rwf260,100 for the Rwf28 million house, Rwf297,270 for the Rwf32 million home and Rwf325,140 for the Rwf35 million unit. The costs, he said, would require that the buyer has a monthly income of double the payment they are supposed to make per month. Rwanda’s settlement policy stipulates that a household should not spend more than 50 percent of their monthly income on housing either for rent or mortgage. "Actually, on standard it should not even go beyond 30 percent. Servicing a loan should be equal to or less than 30 percent, so that they are left with funds for other activities,” Nshimyumuremyi added. Nshimyumuremyi didn’t disclose whether government would consider similar conditions but reiterated that adjustments to the policy are underway.
Ninziza kbs ariko muduhe ibisobanuro birambuye uko wakiyandikisha kugirango ubashe kuba wagura iyonzu👌👌👌👌
Very good finishings .. a rarity in Rwanda
Iyonzuse ihaga kugaciro kamafaranga angahe ifitibyumba bingahe
Turashimira cyane reta kuba itworohereza gutunga amazu yacu bwite muri kigali 🙏🏾
Wow! Very nice houses
this a real things i can approve
Kabeho Rwanda
Mubyukuri tunejejwe nayomazu. Pe nanjye nzabonamo iyanjye rwose
Igitekerezo cyiza Leta ikorera abaturage kbs, ibihugu byinshi maze kugeramo kdi byosenze nabo nuko nguko babayeho
Mudusobanurire; 10% by'amafranga angahe, ngo tumenye neza igiciro cyayo!
Muduhe na contacts twabazaho amakuru arambuye!
Thanks alot
Uyu mushinga reta yacu yatekereje ni mwiza🙏🙏 gusa n abanyarwanda bakirera hanze y, igihugu ntimuzatwibagirwe
Uwakenera kugura kur'izo nzu yakwiyandisha kuruhe rubuga ( muduhe contact please)
Hello mwatubariza nakabantu baba hanze bafwashwa gute kujyirango babijyereho
Icyombaza njyewe iyo company yubaka iyomidugudu ishobora kubakira umuntu kugiti cye bitari umudugudu?? Bibaye byiza mwadufasha number zabo tukabasha kuvugana
Ubuse kuki abantu babannyahe batabubakiye nkizingizi byibuze abenshi bari bafite imitungo ifite agaciro kamiriyoni35,0000000 babaha icyumba nasaro kandaho miriyoni2 cumi numunani ukabona ibyumba bitatu nasaro bivuzeko bariya baturage barenganye cyane
Mwaduhaye information koko
Mwaduhaye informations zihagije! Nkababa hanze twaca muyihe nzira?
Could you contact me for referring you to someone who might help you.
@@nicklasntaganira3830 ariko mwagiye mukoresha ikinyarwanda muribaza ko bose Bari icyongereza,?
nice houses 😊☺️☺️☺️☺️
Mbega inkuru ibuze details: 1) Urubuga abantu biyandikishaho? Contact? Amabanki yahe? Izo Nzu zishobora kugurwa n’ubishoboye atagombye kugana banki mu kwirinda inyungu z’umurengera yaka? Inyungu ni angahe ku bazagana Banki? Umushinga Wo ubwawo ni mwiza cyaaane kandi urakenewe.
🤭
Narebaga ko bagusubije ngo mbonereho
The New Times spoke in an exclusive interview, to Deudonne Nsengiyumva, the sales and Marketing Director of ADHI Rwanda, the developers, for a step-by-step guide on acquiring a home in the estate.
According to him, there are different styles of units that a buyer will have to choose from.
He said that prices range from Rwf16.5 million to Rwf86 million per unit.
However, only four models of units costing Rwf16.5 million, Rwf28 million, Rwf32 million and Rwf35 million have been put in the bracket of ‘affordable.’
The other two, added Nsengiyumva, include one of Rwf48 million and another of Rwf86 million, have been categorized as ‘non-affordable.’
"A buyer will need to verify that they are eligible for mortgage financing by registering with BRD (Development Bank of Rwanda) to obtain a clearance. BRD will perform a background check and verify that you fulfill all the eligibility criteria to access the 20-year mortgage at 11 percent,” he said.
The second step will be a visit to the model homes during which the buyer meets the ADHI sales team where they will explore the different home models depending on their income.
"They will then book a preferred home and sign their reservation contract. The contract is estimated at Rwf75,000.”
With a reservation contract in hand, Nsengiyumva pointed out that the buyer will then be guided to meet with a partner bank and get their loan application approved.
"Once your loan is approved, you will be required to deposit a 10 percent down payment to the selected bank, and your money will be deposited in an escrow account until your unit is ready. The bank will then issue a commitment letter to officially book the unit of your choice.”
Nsengiyumva highlighted that the final step will be transferring the property title deed in the buyer’s name.
This he said, will be done after the bank has sent an approved valuer who will inspect the house and approve that it matches the specifications on the contract. "The bank will then be required to release the remaining 90 percent and pay us on your behalf before the house is handed over.”
Meanwhile, ADHI Rwanda says that purchasing a non-affordable home will be done through Century Real Estate, one of the major real estate firm in the country.
Affordability
While majority of affordable housing projects are widely cheered by industry players, the pricing per unit has for the past left many Rwandans out of the bracket.
However, the new project seems to be relatively affordable based on the current annual average income of a Rwandan household according to Felix Nshimyumuremyi, the Director General of Rwanda Housing Authority (RHA).
For instance, he said, after making the down payment on the Rwf16.5 million unit, a buyer would need to pay only Rwf153,200 per month, in a period of 20 years at an interest rate of 11 percent.
If the same formula is carried out on the three other affordable units, then a buyer would have to pay a monthly fee of Rwf260,100 for the Rwf28 million house, Rwf297,270 for the Rwf32 million home and Rwf325,140 for the Rwf35 million unit.
The costs, he said, would require that the buyer has a monthly income of double the payment they are supposed to make per month.
Rwanda’s settlement policy stipulates that a household should not spend more than 50 percent of their monthly income on housing either for rent or mortgage.
"Actually, on standard it should not even go beyond 30 percent. Servicing a loan should be equal to or less than 30 percent, so that they are left with funds for other activities,” Nshimyumuremyi added.
Nshimyumuremyi didn’t disclose whether government would consider similar conditions but reiterated that adjustments to the policy are underway.
Mudushakire contacts please! Iyo service irakenewe!
Mwatubariza nkababa hanze yigihugu twabigenza gute
Hari contacts nabonye wahamagara : BRD iwacu heza niba ntibeshye ! Jya kurubuga rwa BRD ubone contact wabonaho wababaza izi program byanze naguhamagarira nkaguha contact zabo muri exposition bariya baradusobanuriye !
Ayamazu aherereyeh?
@@alphonsengarambe4276 urakoze niba uzifite wazimpa
@@inanatv8444 😂😂 uza muri comments utabanje kumva 😂
@@alphonsengarambe4276 wampaye contact zabo
Nibyiza nimwubake igihugu cyacu
More information ibyumba bitatu cyangwa bibiriri byaba bihagaze gute? Ikindi umuntu ushaka kwishyura yose ashobora guhabwa ibyangobwa bye?
Mbega byiza ,Ahose ni mu Rwanda ?
Iyinzu umunu yayibonute
Plz mwaduhaye urubuga umuntu yakwiyandikishaho
Byaba byiza mugiye mutuvwire na dimension za buri piece
Subu ko mutaduhaye full information cg nkaho twakura full information aho ntiwasanga ari bimwe byanyu tumenyereye ku Igihe 🤔
Waoooo mbega Inzu nziza
muraho neza, ufite business udahebwa kukwezi ntibyashoboka?
Zirakeye cyane pee
Ni nziza pe muduhe uko twakwiyandikisha aho twanyura
Izinzu ninziza rega igihugu cyacu kiragukunda kko nako kitagirango kidutekerezeho gusa bazarebe neza hatazazamo inkebebe zikabizabya
Aliko se umuntu uhembwa ibihumbi200 kugeza kuli.miliyoni niwe ukenewe kubakirwa?
Ninziza ahubwo nibatubwire uburyo twakwiyandikisha. N'a phone z'umuntu ubishinzwe.
Hello
16 m ni ibyumba bingahe
Nkaba hanze mwadufasha iki?
Mwadufasha nkabana burwanda natwe tukibonamo
Nshaka inzu
ngo aciririse warangizango akwiriye abantu bahembwa hagati ya 200000 na 1M hhhhh ubwose aciriritse ate
Ko nta contacts se zatanzwe
Muduhe contact kubantu bashaka kugura plz
Nnc uyu numunyamakuru? Nnc ko utweretse inzu ntutubwire iyo utweretse nangahe?
Muduhe no.zanyu twabarizaho
Iyi nkuru ikozwe nabi mwakaduhaye details zaburi inzu location hanyuma mugatanga nurubuga na contact
Ariko ntabwo batubwiye urwo rubuga abantu biyandikisha ho
Muduhe nimero twahamagara tukiyandicyisha
Ese muntara muzahagera muntara ryari? Ntuye mu mujyi wa Huye?
Munduhe ibisobanuro bihagije
Izinzuninzizape
Nonese inzu ya 16 m igizwe nibyumba bingahe murakoze
Nice house,
I need more information about the those house.
How can I join for buy mine ???
Aciriritse byahe?uribukako abenshi bakora za restaurant na bare kumushahara wa 80k kuzamura kugera 150k iyonzu ninde uzayibasha kibintu bihenze?
narazisuye mais iza 16millions hasi ni hato pe.ariko zubatse neza byo.nakunze materiel irimo imbere
inzu y'ibyumba 2 = 41 millions, ibyumba 3 = 48 millions, ibyumba 4 = 86 millions
Twacahe twiyandikisha ese abatari murwanga byajyenda gute
Abatari murwanda
Ese ntawayigurira umubyeyiwe cash, mugihe yarasanzwe mubukode?
Retayacu numubyeyi gusa izibuke ko harinabadakorera ayomafranga barimunsi yayo nabo bakeneye guturaheza murwego barimo
Ubwose nizo ntebe ziba zirimo
More information please
Bubake amagorofa maremare niyo meza muri kigali
Amagorofa maremare akenera maintenance zihenze. Iyo inzu zubakwa zegeranywa biba bihagije. Singombwa ko ziba ndende cyane. Abantu bavuye mu bipangu, habaho imicungire myiza y'ubutaka
Abahembwa 40k bazabahe?
Ndabona arukujya ibyaro tu
Jya muntara
Baduhe urwo rubuga biyandikishirizaho natwe tugerageze amahirwe
Nibyiza kbs
Ubwox araciriritse ark Mwagiye mureka gushinyagurira abantu koko, Rubanda nyamwinshi nababurara bakabwirirwa Nne wwe urazana abaciriritse bahembwa 200k kugeza miliyoni Gaswere ubwo rro Nawe ngo uravuze
Nubundi zizatungwa nabasanzwe bafite izindi
Ntabwo byemewe kuba wayitunga usanzwe ufite inzu
hhhhhhhhh
Unviriza neza détails
Wapi..condition ni ukuba audafite inzu.nta n ikibanza ufite.
Urwanda rwacu turwubake neza isi itangare ese mwatubwira weko nabarihasi yayo mafaranga kotwazazibona ariko nizerako zizaboneka murakoze mugihugu hose bitugereho
Ahubwo c Hari izamaze kuzura cg nibwo zicyubakwa? 🤔
Nnse ntawakwishyura cah
Ntabwiza buraho
Nonese ko mutatanze contact
ngaho se utwegere mubigo dukorera mo
Ikibazo umuntu ashaka kwiyandikisha yabigenza ate ko mutashyizeho uburyo bashora kubabona yaba nomb cyangwa nikindi please mudufashe mutubwire uko twakwiyandikisha
Hahhhhh
Iyo nimitwe Sha surukundo mukunda umuturage
Iyo muza kuba mukunda igihugu nananyagihugu ntimwari kutwangaza
Mutujugunya mubusanza
Murabeshya ariko
Imana izabibishyuza
Izaduhorera izaduhoza ayamarira turikurira
Umuntu afite ikibanza ntimwayimwubakiramo
Bafashwa gute*
Ahubwo bazihe abasore bashaka gushaka kukwo kwubaka birakomeye
Aciriritse🤔😂
Ariko iki gihugu kiransetsa aho gukora iminshinga ihesha abaturage utuzi mwe n'ukubaka gusa!!!!!!
None se bubakisha imashini 🤔 Akazi mu bwubatsi abafundi n'abayedi ntibakabonye !? Ntimugashakishe ikibi, ahubwo mujye mushima 💃
Ariko mutekereza mute nonese abubaka ntibaba babonye akazi, cyangwa hubaka Amarombo.
@IGIHE Please note that there's no phone number shared to call
No website to visit, Kindly share more details please !!...
Contact please
Nnc uyu numunyamakuru? Nnc ko utweretse inzu ntutubwire iyo utweretse nangahe?
bavuze ko harimo iza 16m, 26m, 35m, 80millions