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Buying Property

# How to Buy Property in Rwanda: A Complete Step-by-Step Guide

By Kigali Yacu Property Research Team · Published 15 July 2021 ·Updated 15 July 2021 · 4 min read

Buying property in Rwanda follows five broad stages: set your budget, shortlist properties, verify the title, sign a sale agreement with payment tied to milestones, and complete registered transfer with a notary. Skipping the verification stage is the single most common cause of buyers losing money in this market.

This guide walks through each stage in order, with the Rwanda-specific detail that generic property-buying advice usually misses — UPI numbers, notary requirements, and what a fair payment schedule actually looks like.

## Step 1: Set a realistic budget

Start with your total available budget in RWF or USD, then subtract an allowance for notary fees, registration costs, and — if relevant — construction or renovation. As a rough guide, non-purchase-price costs typically add a low single-digit percentage on top of the property price, though this varies by transaction. Treat any figure you've been given as indicative rather than exact until you have a specific property and can request a firm cost breakdown.

If you're buying from abroad, decide upfront whether you're pricing in RWF or your home currency, and remember that RWF is the actual transaction currency — a USD or GBP figure will move with the exchange rate between the day you budget and the day you pay.

## Step 2: Shortlist properties

Browse properties for sale filtered by district, type and price, or — if you'd rather not search yourself — use find your property and let an agent match listings to your criteria, including options not publicly listed. If you're not yet sure which area fits your budget and priorities, our investment locations guides break down Kigali's three districts and their main neighbourhoods.

Don't shortlist on photos and price alone. Note the exact location, and if a listing doesn't include a reference number or clear neighbourhood, ask for one before going further.

## Step 3: Verify the title before you get attached

This is the step buyers most often skip, usually because they've already fallen in love with a property and don't want to slow down. Verification should confirm:

1. The UPI (Unique Parcel Identification) number matches the exact parcel being sold.
2. The registered owner matches the person selling it, or there's a clear, documented chain (inheritance, corporate ownership) connecting them.
3. There are no recorded disputes or encumbrances against the parcel.
4. The physical boundaries match the title description — confirmed by an on-site walk, not just the paperwork.

See our full title verification guide for how this process works in detail, and property due diligence for the wider check that also covers the sale agreement itself.

## Step 4: Negotiate and sign a sale agreement

A fair sale agreement specifies the exact price, a payment schedule tied to verifiable milestones rather than one lump sum, and clear remedies if either party doesn't follow through. Never pay the full price before you've seen and understood the agreement — see our sale agreement review guide for the specific clauses to look for.

Payment stage | What it should be tied to
--- | ---
Initial deposit | Signed sale agreement, title verification confirmed
Second payment | Confirmed transfer application submitted
Final payment | Registered transfer completed

Terms vary by transaction, but the underlying principle — payment following documented progress, not preceding it — should hold regardless of the specific split.

## Step 5: Complete registered transfer

The final step is registering the transfer with a notary, which formally changes the recorded owner in Rwanda's land registry. Keep copies of everything — the signed agreement, proof of payment, and the registered transfer confirmation — even after the transaction closes.

## Buying from outside Rwanda

If you're not in Rwanda, steps two through five can be completed remotely using video viewings and a notarised power of attorney authorising someone to sign on your behalf. See buy property from abroad for exactly how this works, including how payment is typically structured for buyers sending funds internationally.

## A quick pre-purchase checklist

- [ ] Budget confirmed, including non-purchase-price costs
- [ ] Property shortlisted with a clear location and reference
- [ ] UPI number and registered owner verified
- [ ] Physical boundary check completed
- [ ] Sale agreement reviewed before signing
- [ ] Payment schedule tied to milestones, not paid upfront in full
- [ ] Registered transfer confirmed with a notary

## How Kigali Yacu Property helps

We handle every step above as part of our buy property service — shortlisting, title verification, sale agreement review, and negotiation through to registered transfer, whether you're buying locally or from abroad.

Ready to start? Browse current properties or contact our team with your budget and requirements.

## Frequently Asked Questions

Can foreigners buy property in Rwanda?

Yes. Foreign nationals can own buildings in Rwanda and lease land, typically under terms up to 99 years for residential use. Rwandan diaspora with Rwandan nationality or origin have additional land rights. Confirm your specific position before committing to a purchase.

How much does it cost to buy property in Rwanda beyond the purchase price?

Budget for notary fees, any applicable registration costs, and — if you're using an agency — commission, which is usually paid by the seller but worth confirming. These add a modest percentage on top of the purchase price rather than doubling it.

How long does buying property in Rwanda take?

A straightforward purchase with a clean title can complete in three to six weeks. Land needing subdivision, or properties with title issues to resolve, can take two to four months or longer.

Do I need a lawyer to buy property in Rwanda?

A notary is required for the formal sale agreement and title transfer. Independent legal advice is not strictly mandatory but is worth having for a significant purchase, particularly if anything about the title or agreement seems unclear.

What's the biggest mistake first-time buyers make in Rwanda?

Paying a deposit before verifying the title. A property that looks fine and is priced reasonably can still have an unresolved ownership dispute — verification should always come before payment, not after.

## Ready to start your search?

Browse current listings or tell us your budget and we'll shortlist properties that match.

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