English  |  Français
Home   | Members  |
Summary of the procedure Print Summary of the procedure No previous step Obtain signed and stamped personal information form from the cell

Where to go?

You will have to go to the following agencies. The number indicates how many interactions are required with each entity.
Nyarugenge District Office (x 4)
1 2 2 4
Bank of Kigali
3
Rwanda Development Board (x 2)
5 6

What you will get

The objective of the procedure is to obtain those documents.
Mortgage registration certificate
6
Mortgage registration certificate 

Required documents

The documents with green band will be provided to you during the procedure.

Natural persons
Legal persons
Representatives
Personal information form
1
Personal information form 
Stamped personal information form (x 2)
2 2
Stamped personal information form 
Payment slip (BK) (x 2)
3
Payment slip (BK) 
Mortgage credit agreement
4
Mortgage credit agreement 
Full ownership title
4
Full ownership title 
Payment receipt (notarization fees)
4
Payment receipt (notarization fees) 
Board resolution (mortgage)
4
Board resolution (mortgage) 
Marriage certificate
5
Marriage certificate 
Proof of identity
5
Proof of identity 
Property valuation report
5
Property valuation report 
Property valuers practicing certificate
5
Property valuers practicing certificate 
Written spouse consent
5
Written spouse consent 
Mortgage registration application form
5
Mortgage registration application form 
Certified copy of lease or title or full ownership
5
Certified copy of lease or title or full ownership 
Notarized mortgage credit agreement
5
Notarized mortgage credit agreement 
Payment receipt (mortgage registration fees)
5
Payment receipt (mortgage registration fees) 
Certificate of domestic company registration
5
Certificate of domestic company registration 
Written Consent that the property be used as collateral
5
Notarized board resolution
5
Notarized board resolution 
Power of attorney
6
Power of attorney 
Proof of identity (x 6)
1 2 2 4 6
Proof of identity 
Representatives
Proof of identity (x 5)
1 2 2 4 5
Proof of identity 
Power of attorney (x 5)
1 2 2 4 5
Power of attorney 

How much?

This list shows the costs in all steps of the procedure.
Estimated cost of the procedure  RWF 24,600  
RWF 20,000 (for mortgage registration fees) 
RWF 1,200 (for the certified copy of the property title, lease contract or certificate of provisional land ownership) 
RWF 800 (per page of the credit agreement) 
RWF 800 (for the notarization of the spouse consent authorizing land to be mortgaged) 
RWF 800 (for the notarization of the board resolution authorizing the use of the property as collateral) 
RWF 500 (for the celibacy certificate) 
RWF 500 (for the marriage certificate) 

How long ?

The estimated total time is calculated by adding the time spent: 1) waiting in queue, 2) at the counter and 3) between steps.
  min. max.
Total time (sum): 1 d 2 d
of which:
Waiting time in queue (sum):  10mn 3hr 10mn
Attention at counter (sum):  45mn 5hr
Waiting time until next step (sum): 1 d 1.5 d

Legal justification?

The regulations which justify the procedure and its content
Law on mortgages425Law on mortgagesmortgage%20law%2epdfmortgage%20law%2epdf Law on mortgages
 (articles 4, 25)
Minister of Justice's Instructions of 2005 setting notary feesMinister of Justice's Instructions of 2005 setting notary feesinyandiko%20ya%20noteri%2epdfinyandiko%20ya%20noteri%2epdf Minister of Justice's Instructions of 2005 setting notary fees
3 - Registrar General's instructions on mortgage registration234569Registrar General's instructions on mortgage registrationrg%20instructions%20movable%2epdfscreen%20shot%20mortgage%2ejpg Registrar General's instructions on mortgage registration
 (articles 2, 3, 4, 5, 6, 9)