🏡 Steps to Buying Property Safely in Zambia

Here are key steps to protect yourself:

✅ Verify Ownership

• Ask for the Title Deed and confirm it at the Ministry of Lands (ZILMIS).
• Check for encumbrances like mortgages, disputes, or unpaid ground rent.

✅ Confirm the Seller

• Match the seller’s NRC/company documents with the title deed.
• Meet the actual owner — avoid third-party “representatives.”
  

✅ Use Professionals

• Only deal with ZIEA registered estate agents and engage a licensed lawyer to handle due diligence, the Sale Agreement, and payments.

✅ Pay Taxes Correctly

• Property Transfer Tax (PTT) is now 8% of the property’s value.
• Ensure a valid Tax Clearance Certificate is obtained.
  

✅ Register the Transfer

• After PTT is paid, lodge documents at the Ministry of Lands.
• Secure your new Title Deed in your name.
  

⚠️ Red Flags: Unrealistic prices, pressure to pay quickly, missing documents, or family disputes.

👉 Looking to buy with confidence? Property Partners Zambia is here to guide you through every step.