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Buying Property

# How to Avoid Property Scams in Rwanda

By Kigali Yacu Property Research Team · Published 17 March 2022 ·Updated 17 March 2022 · 4 min read

Most property scams in Rwanda follow a small number of repeatable patterns — selling land to multiple buyers, misrepresenting who owns a parcel, or pressuring buyers to pay before verification. Recognising these patterns, and insisting on verification regardless of how trustworthy a seller seems, is the most effective protection.

## Pattern 1: Selling to multiple buyers

A seller accepts deposits from several interested buyers in parallel, intending to complete the sale with only one — or none, if they disappear after collecting deposits. Title verification confirming the parcel isn't already under a pending transfer, combined with never paying a large deposit before verification, is the direct defence.

## Pattern 2: Misrepresented ownership

Someone without legal authority to sell — a tenant, a distant relative, or someone with a fraudulent document — presents themselves as the owner. Confirming the registered owner's identity against the UPI number and cross-checking ID documents catches this directly. See how to verify a land title in Rwanda for the full process.

## Pattern 3: Undisclosed disputes or encumbrances

A property with an unresolved family dispute, or a loan secured against it, is sold without disclosure. A dispute and encumbrance check as part of full due diligence reveals this before you pay.

## Pattern 4: Pressure and urgency

Scammers rely on urgency — "another buyer is interested," "the price is only available today" — to push a buyer past normal verification. A legitimate seller with a genuinely clean title has no reason to discourage you from taking the time to verify.

## Pattern 5: Fake or recycled listing photos

Some fraudulent listings use photos copied from other properties or other websites entirely. A reverse image search can sometimes reveal this. More reliably, insist on a live video call showing the actual property in real time before committing to anything.

## Warning signs checklist

- [ ] Seller resists or delays providing the UPI number
- [ ] Price is significantly below comparable properties with no clear explanation
- [ ] Pressure to pay quickly, "before someone else does"
- [ ] Reluctance to allow independent verification
- [ ] Documents look inconsistent or recently altered
- [ ] Seller avoids video calls or in-person meetings entirely

For more on the specific documentation risks, see 10 red flags to watch for when buying property in Rwanda.

## Trusting your own instincts alongside formal verification

Formal verification catches most fraud, but don't discount your own instincts if something feels wrong even after paperwork checks out — an evasive answer to a direct question, a seller who avoids video calls, or pressure that doesn't match how a genuinely patient, confident seller would behave. These aren't formal red flags with a checkbox, but experienced buyers and agents alike learn to weigh them alongside the documented checks, and it's reasonable to slow down or walk away even when you can't point to a single definitive piece of evidence.

## Your core protection: verify before you pay

Every pattern above is defeated by the same underlying discipline — confirm the UPI number and registered owner, check for disputes and encumbrances, and never pay a substantial amount before this is complete. This applies whether you're buying through an agency, a private seller, or a family connection.

## Why scammers target real estate specifically

Property transactions involve large sums, infrequent buyers who may not know exactly what "normal" looks like, and — for land specifically — a physical asset that can't be easily inspected from a photo alone. These three factors combine to make real estate an attractive target compared to smaller, more routine transactions where buyers have more experience recognising when something is off. Understanding this dynamic helps explain why the same verification discipline that would seem excessive for a smaller purchase is entirely appropriate here.

## What to do if you suspect you've encountered a scam

If a listing or seller raises any of the warning signs above, don't proceed on the assumption you're probably wrong to be suspicious. Ask directly for the UPI number and registered owner details, request a live video call if you haven't had one, and if anything still feels inconsistent, get an independent verification before paying anything further — even a small amount already paid is better protected by stopping early than by continuing in the hope the rest works out.

## Scams affecting diaspora buyers specifically

Distance makes diaspora buyers a common target, since scammers assume less ability to verify independently. If you're buying from abroad, insist on photo and video evidence of any physical verification step, not just a written summary — see buy property from abroad for how remote verification should work.

## Getting an independent check

If something about a deal feels off, or you simply want reassurance before proceeding, request due diligence on the specific property — we'll review it independently and tell you honestly what we find, whether or not you're buying through us. A modest verification fee upfront is a far better outcome than discovering a problem after you've already paid a deposit you can't recover, and a legitimate seller will never object to a buyer taking this reasonable, standard precaution before committing significant funds.

## Frequently Asked Questions

What is the most common property scam in Rwanda?

Selling the same parcel of land to more than one buyer, often by accepting deposits from several parties in quick succession before any transfer is registered. Title verification before paying a deposit is the most effective protection against this specific scam.

How can I tell if a property listing is fake?

Be cautious of listings with unusually low prices, sellers who resist providing a UPI number or basic documentation, and pressure to pay quickly before you can verify anything. Reverse-searching listing photos can also reveal images copied from other sources.

Is it safe to pay a deposit to hold a property before verification is complete?

Generally no — a legitimate seller should accept a structure where a small, clearly refundable holding deposit is paid pending verification, rather than requiring a large, non-refundable payment before you've confirmed anything.

Can real estate agents themselves be involved in scams?

It happens, though less often than scams run by individual sellers. Verify any agency's track record and, where possible, work with an agency willing to have its due diligence process checked independently rather than simply taking their word for it.

## Worried about a specific deal?

Send us the details before you pay anything — we'll tell you honestly what we see.

Request a Review
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