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Buyer Information - A Guide to Bond Registration

Step1: Sellar agress to sell their property at a certain purchase price to buyer

Buyer agrees to buy the property at the purchase price.


Seller provides buyer with photocopy of the title deeds

Using the title deeds, the Buyer’s advocates check the records at the Lands and Deeds Registry to make sure the property belongs to the Seller and to find out whether the property is mortgaged or has any outstanding ground rents.


The Seller’s advocates prepare a draft contract.

Buyer’s advocates approve the contract


The Seller prepares and sends the final copies of the contract to the Buyer’s advocates for signing.

The Buyer signs the contract and sends them back to the Seller for signing. Once the contract is signed by both parties the Buyer pays a deposit.


The Seller’s lawyers get state’s consent to assign the property and pay property transfer tax to the Zambia Revenue Authority (currently 3%).

The Buyer’s advocates draft the assignment, to transfer legal title in the property to the Buyer.


Once the Seller has signed the assignment they inform the Buyer that they are ready to complete the transaction.


On completion the Seller’s advocates hands over the following documents:

Certificate of title

Signed assignment

Consent to assign

Property transfer tax receipt and tax clearance certificate

In return the Buyer’s advocates pay the balance of the purchase price of the property


The Buyer’s advocates then lodge the documents provided in “Step 8” in the Lands and Deeds Registry for the title deeds to be transferred into the name of the buyer.

The Conveyancing Process





In return the Purchaser’s Advocates pay the balance of the purchase price of the property.

The Conveyancing Process is largely the same for foreigners however, foreigners or foreign entities may only hold land in Zambia under the following circumstances:

Permanent Resident


Investment License


National Park


Non Permit Individuals

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Zambia Property for Sale:
Lusaka | Central | Southern | All Areas

Zambia Property for Rent:
Lusaka | Southern | All Areas

PAIA Manual