In order to get a real estate loan from a Rwandan financial institution, the borrower is generally required to provide 30% of the property value, which stands as a serious impediment to property financing. The insurance company Soras and the bank KCB signed an agreement which is designed to facilitate access to loans for the middle classes. This agreement provides for an insurance product which allows the bank to cover against borrower’s payment default. In such a case, the bank shall receive 30% deposit equivalent of the property’s value which it did not require when granting the loan.