Should You Buy Off-Plan or Completed Property in Kigali?

Let’s Break It Down Together (No Stress, Just Facts!)

If you’ve been thinking about buying a home or investing in real estate in Kigali, chances are you’ve come across two popular options: off-plan properties and completed properties.

You may have heard people say, “Buy off-plan—it’s cheaper!” or “Go for completed—you see what you’re buying!” But what do these really mean, and which one is right for you?

Let’s take a friendly walk through both options, so by the end, you’ll have a clear picture of which route to take.

What’s the Difference?

• Off-plan property means buying a house or apartment that hasn’t been built yet (or is still under construction). You buy it based on architectural designs, 3D renders, and promises from the developer.
• Completed property is exactly that—fully built and ready to view, move in, or rent out.

Both come with their own benefits and risks. Let’s explore them together!

Why People Love Buying Off-Plan in Kigali

1. It’s Usually Cheaper
   Developers often give lower prices to early buyers. That means if you get in early, you might pay significantly less than someone who waits until the project is completed.
2. Flexible Payment Options
   Many off-plan projects allow you to pay in installments as construction progresses—helpful if you don’t want to pay everything at once.
3. You Can Customize
   Want ceramic tiles instead of marble? Need an extra power socket in the living room? Many developers let you personalize small design details when buying off-plan.
4. Value Can Increase Over Time
   Let’s say you buy today at 50 million RWF, and by the time construction finishes in 1–2 years, the market value is 70 million. You’ve made a profit without lifting a finger—pretty awesome, right?

What to Watch Out for When Buying Off-Plan

1. Delays Happen
   Sometimes construction takes longer than expected. A project meant to take 12 months could stretch to 18 or more due to funding, permits, or even weather.
2. Developer Risk
   Not all developers are created equal. If a developer doesn’t deliver or abandons the project halfway, you could lose money. Always choose someone with a good track record!
3. Plans Can Change
   What you see on the plan might not be exactly what you get. Finishes, room sizes, or building layout may be different in real life.
4. You Can’t See It Yet
   You’re buying based on trust. You don’t get to walk through the home, feel the space, or see the neighborhood with your own eyes until it’s done.

Why Completed Properties Are a Safe Bet

1. What You See Is What You Get
   You can walk in, open the cabinets, check the water pressure, see the view, and really feel the house. No surprises.
2. Ready to Move In or Rent Out
   No waiting. If you’re buying a home to live in—or as a rental property—it’s available immediately. You start earning or living right away.
3. Less Risk
   You’re not guessing what the place will look like or worrying about the builder. It’s already done.
4. Paperwork Is Usually Ready
   Title deeds, occupancy permits, utility connections—they’re often already sorted out, saving you time and stress.

But There Are Downsides to Consider…

1. It Costs More
   Since the property is already finished, the price is typically higher than what someone paid off-plan a year or two ago.
2. You Need More Money Upfront
   Unlike off-plan payment plans, completed homes often require full payment—or a large percentage—before you can take ownership.
3. No Customization
   What you see is what you get. If you don’t like the tiles, ceiling design, or kitchen layout, you’ll have to renovate it later (and that can get expensive).

So… Which One is Right for You?

Let’s break it down based on your situation:

Tips Before You Buy (Either Option!)

1. Work with Trusted Agents
   Agents like us at Kigali Yacu Property can help verify listings, developers, and documents—so you avoid scams.
2. Visit the Site (If You Can)
   Whether it’s off-plan or complete, it’s always good to visit the location. See what’s nearby, how the road is, and what the neighborhood feels like.
3. Ask About Titles and Permits
   Always make sure the property has proper paperwork, especially land titles and building approvals.
4. Talk to Other Buyers
   If possible, connect with other people who’ve bought in the same project. Their experience can give you valuable insight.

Buying a home or investment property is a big decision—but it doesn’t have to be scary. Whether you go for off-plan or completed, the key is to be informed, cautious, and confident.

At Kigali Yacu Property, we’re here to guide you every step of the way. From property tours to background checks on developers, we’ve got your back.

💬 Ready to start your property journey?
Call us or send a message — we’re happy to help you make the right move.

📞 +250 788 207944
📧 info@kigaliyacuproperty.co.rw