KivuBPR Bank, Commercial Mortgage
These terms were last checked on 31 Jan 2026. Rates and amounts are not shown until they are checked again — ask the bank.
Commercial Mortgage & Project Finance by BPR Bank 🏢 At BPR Bank, we provide the capital and expertise required to bring large-scale commercial visions to life. Whether you are acquiring an existing asset or breaking ground on a new development, our financing is tailored to ensure your project's success. We offer up to 80% financing for commercial purchases (based on the lower of the property value or sale price) and up to 70% of total construction costs. 💡 Flexibility & Growth We empower developers with a mortgage term of up to 10 years (120 months). To support your financial agility, we impose no penalties for early principal reductions or accelerated monthly repayments, allowing you to manage your debt on your own terms. 🏗️ Project Viability & Requirements To partner with us, developers must demonstrate a solid foundation for their project. This includes a current feasibility study, architectural and structural plans approved by the Kigali One Stop Centre, and signed, priced Bills of Quantities. We require evidence of at least 30% confirmed pre-sales to end buyers and the developer's ability to raise their own contribution (minimum 30% of costs, excluding land) upfront. All regulatory approvals, including the Environmental Impact Assessment (EIA) where applicable, must be in place alongside valid title documents. 📊 Financial & Technical Assurance A successful application is backed by transparency. We require audited financial statements for the last three years, cash flow projections, business profiles, and twelve months of bank statements. Legal compliance is verified through your Certificate of Incorporation, Memorandum and Articles of Association, TIN, and RRA clearance. Furthermore, the project’s technical team must provide CVs and a track record of major projects completed in the last decade. A formal contract with your contractor—detailing completion timelines and cost-overrun strategies—must be supported by a 10% performance bond from a reputable institution and a projected valuation report from a BPR-approved valuer. 💳 Rates & Financial Terms Our interest rates are structured to reflect the project's profile, starting from BPR Base Rate + 0.5% for purchases and + 1.5% for construction, with specific tiers reaching up to +2%. While there is no upper limit on the loan amount—governed only by repayment capacity—standard fees include a 2% one-off facility fee and a 0.1% monthly management fee. Please note that all rates and terms remain subject to periodic review to align with market conditions.
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Rates and terms are indicative and set by the provider. Confirm with the provider before you decide. Kivu is not a bank or an insurer and does not give financial advice.