Zigama CSS

Loan requirements

Choose the Credit Facility that suits your needs and submit all required documents. Applications with missing documents will be put on hold, so please review the requirements carefully before submitting.

Building a House
  • Loan Application Letter
  • Construction Permit
  • Approved Building Plan
  • Bill of Quantities
  • A Copy of your national ID and, if married, your spouse’s national ID too
  • Civil Status Certificate: A marriage, single-status, or divorce certificate issued within the last three months
  • Copy of the plot documents issued by the Registrar of Land Titles, including the Long-Term Lease Agreement, Lease Registration Certificate, and Cadastral Plan Extract.
  • Employment Contract
  • Proof of Salary
Completing the construction of a House
  • Loan Application Letter
  • Construction Permit
  • Approved Building Plan
  • Bill of Quantities
  • A Copy of your national ID and, if married, your spouse’s national ID too
  • Photographs of the Property
  • Civil Status Certificate: A marriage, single-status, or divorce certificate issued within the last three months
  • Copy of the plot documents issued by the Registrar of Land Titles, including the Long-Term Lease Agreement, Lease Registration Certificate, and Cadastral Plan Extract.
  • Employment Contract
  • Proof of Salary
House Renovation
  • Loan Application Letter
  • Renovation Permit
  • Bill of Quantities
  • A Copy of your national ID and, if married, your Spouse’s national ID too
  • Photographs of the Property
  • Civil Status Certificate: A marriage, single-status, or divorce certificate issued within the last three months
  • Copy of the plot documents issued by the Registrar of Land Titles, including the Long-Term Lease Agreement, Lease Registration Certificate, and Cadastral Plan Extract.
  • Employment Contract
  • Proof of Salary
Buying a House
  • Loan Application Letter
  • Preliminary Sales Agreement
  • A copy of the buyer’s National ID and, if married, a copy of their spouse’s National ID.
  • A copy of the Seller’s National ID and, if Married, a copy of their spouse’s National ID.
  • Photographs of the Property
  • Civil Status Certificate: A marriage, Single-status, or Divorce certificate issued within the last three months
  • A copy of the plot documents for the House being purchased, issued by the Registrar of Land Titles, including the long-term lease agreement, lease registration certificate, and cadastral plan extract.
  • Employment Contract
  • Proof of Salary
Buying Land
  • Loan Application Letter
  • Preliminary Sales Agreement
  • A copy of the buyer’s National ID and, if married, a copy of their spouse’s National ID.
  • A copy of the Seller’s National ID and, if Married, a copy of their spouse’s National ID.
  • Civil Status Certificate: A marriage, Single-status, or Divorce certificate issued within the last three months
  • A copy of the documents for the Land being purchased, issued by the Registrar of Land Titles, including the long-term lease agreement, lease registration certificate, and cadastral plan extract.
  • Employment Contract
  • Proof of Salary
Buying a Vehicle
  • Loan Application Letter
  • Preliminary Sales Agreement
  • A copy of the buyer’s National ID and, if married, a copy of their spouse’s National ID
  • A copy of the Seller’s National ID
  • Photographs of the Vehicle
  • Photocopy of the Yellow Card
  • Proforma Invoice from a Vehicle Dealer in Rwanda or abroad.
  • Civil Status Certificate: A marriage, Single-status, or Divorce certificate issued within the last three months
  • Government-employee vehicle co-ownership agreement for eligible employees purchasing a government vehicle
  • Employment Contract
  • Proof of Salary
A company Constructing a House
  • Loan Application Letter
  • Construction Permit
  • Approved Building Plan
  • Bill of Quantities
  • Copy of the national ID of the Company’s Authorized Representative
  • Company Registration Certificate issued by RDB
  • Copy of the plot documents issued by the Registrar of Land Titles, including the Long-Term Lease Agreement, Lease Registration Certificate, and Cadastral Plan Extract.
  • Copy of the Company’s Shareholder list and their respective Shareholdings
  • Notarised Board Resolution authorising the loan application and provision of Security
A company completing the construction of a House
  • Loan Application Letter
  • Construction Permit
  • Photographs of the House under construction
  • Approved Building Plan
  • Bill of Quantities
  • Copy of the national ID of the Company’s Authorized Representative
  • Company Registration Certificate issued by RDB
  • Copy of the plot documents issued by the Registrar of Land Titles, including the Long-Term Lease Agreement, Lease Registration Certificate, and Cadastral Plan Extract.
  • Copy of the Company’s Shareholder list and their respective Shareholdings
  • Notarised Board Resolution authorising the loan application and provision of Security
A company renovating a House
  • Loan Application Letter
  • Renovation Permit
  • Photographs of the House under construction
  • Approved Building Plan
  • Bill of Quantities
  • Copy of the national ID of the Company’s Authorised Representative
  • Company Registration Certificate issued by RDB
  • Copy of the plot documents issued by the Registrar of Land Titles, including the Long-Term Lease Agreement, Lease Registration Certificate, and Cadastral Plan Extract.
  • Copy of the Company’s Shareholder list and their respective Shareholdings
  • Notarised Board Resolution authorising the loan application and provision of Security
A company buying a House
  • Loan Application Letter
  • Preliminary Sales Agreement
  • Photographs of the Property
  • A copy of the Seller’s National ID
  • Copy of the national ID of the Company’s Authorised Representative
  • Company Registration Certificate issued by RDB
  • Copy of the plot documents issued by the Registrar of Land Titles, including the Long-Term Lease Agreement, Lease Registration Certificate, and Cadastral Plan Extract.
  • Copy of the Company’s Shareholder list and their respective Shareholdings
  • Notarised Board Resolution authorising the loan application and provision of Security
A company buying Land
  • Loan Application Letter
  • Preliminary Sales Agreement
  • A copy of the Seller’s National ID
  • Copy of the national ID of the Company’s Authorised Representative
  • Company Registration Certificate issued by RDB
  • Copy of the Land documents issued by the Registrar of Land Titles, including the Long-Term Lease Agreement, Lease Registration Certificate, and Cadastral Plan Extract.
  • Copy of the Company’s Shareholder list and their respective Shareholdings
  • Notarised Board Resolution authorising the loan application and provision of Security
Transferring an existing loan from another Bank
  • Loan Transfer Application Letter
  • Certificate confirming the outstanding Loan held with the Bank
  • Copy of the certificate confirming Registration of the Security in the Registrar General’s records at RDB
  • Copy of the Loan agreement signed with the Bank
  • A Copy of your national ID and, if married, your spouse’s national ID too
  • Copy of the Property documents for the Plot mortgaged in the other Bank, issued by the Registrar of Land Titles: long-term lease agreement, lease registration certificate, and extract cadastral plan
  • Photographs of the House mortgaged as collateral to the other Bank
  • Civil Status Certificate: A marriage, Single-status, or Divorce certificate issued within the last three months
  • Employment Contract
  • Proof of Salary
Business, Agricultural and Livestock Projects
  • Loan Application Letter
  • A business Plan outlining how the Project will be managed and generate Profits
  • A Copy of your national ID and, if married, your spouse’s national ID too
  • Photographs of the House to be mortgaged as Collateral
  • Civil Status Certificate: A marriage, Single-status, or Divorce certificate issued within the last three months
  • Copy of the plot documents issued by the Registrar of Land Titles, including the Long-Term Lease Agreement, Lease Registration Certificate, and Cadastral Plan Extract.
  • Employment Contract
  • Proof of Salary

Trade Finance Requirements

The documents each trade finance facility requires.

Bid Bond Security
  • Application Letter
  • Copy of valid Company Identification Documents
  • Title and References of the Tender on Bid Bond Securities
  • Collateral (Saving or cash)
  • Commission of 1% and 0% for sister Company
  • Tax Clearance
  • To sign the Required Contract
Advance Payment Guarantees
  • Application Letter
  • Copy of valid Company Identification Documents
  • Title and References of the Tender
  • Collateral (Saving or cash)
  • Commission of 2.5% and 1% for the sister Company
  • Tax Clearance
  • To sign the Required Contract
Performance Guarantees
  • Application Letter
  • Copy of valid Company Identification Documents
  • Title and References of the Tender
  • Collateral (Saving or cash)
  • Commission of 2% and 1% for sister Company
  • Tax Clearance
  • To sign the Required Contract
Credit Lines
  • Application Letter
  • Copy of valid Company Identification Documents
  • Tender Documents
  • Tax Clearance
Invoice Discounting
  • You must already have an active account with ZIGAMA CSS
  • Credit Line Application Letter
  • A signed and stamped contract between the parties awarding and undertaking the work, specifying the scope of work, execution terms, and Zigama CSS account for payment
  • The invoice showing the amount claimed and its value
  • Written confirmation from the party that awarded the work, verifying the invoice and the current payment status
  • The invoice serves as security for the loan, unless additional security is required

Security Registration

For loans secured by Property or Vehicles, the security must be registered with the Registrar General at RDB. This includes the applicable Notary and RDB fees and the required documents for each registration step

Mortgage Registration
  • Payment of Rwf 7,800 into the Notary’s Zigama CSS account for preparation of the Loan Agreement
  • Payment of Rwf 3,900 into the Notary’s Zigama CSS account for preparation of the Abstract of Mortgage Agreement (AOMA) to register the security at RDB
  • Payment of Rwf 20,000 into the RDB account held at Zigama CSS for the initial registration of the Security in the Registrar General’s books
  • Payment of Rwf 10,000 into the RDB account held at Zigama CSS for registration where the security is already registered
  • Where the property is not registered in the applicant’s name, a power of attorney authorising its use as security, signed before the sector land notary where the property is located
  • For Company applicants, a notarised Board resolution authorising the transaction is required
  • Where the property is not registered in the company’s name, a notarised power of attorney from the registered owner authorising the company to pledge the property as security
  • A valuation report for the Property offered as Security, prepared by a valuer registered with the Institute of Real Property Valuer in Rwanda
  • A civil Status Certificate issued within the last three months
  • Copy of the Applicant's national ID
Registration of a Vehicle as a Loan Security at RDB
  • Payment of Rwf 20,000 into the RDB account held at Zigama CSS for registration of the security in the Registrar General’s books
  • Payment of Rwf 10,000 into the RDB account held at Zigama CSS when the vehicle is already registered as security
  • Payment of Rwf 7,800 into the Notary’s Zigama CSS account for preparation of the Loan Agreement
  • A valuation report prepared by a licensed Garage
  • Copy of the vehicle’s Registration Certificate (carte jaune), duly certified and signed by a Notary
  • Copy of the Applicant's national ID
  • Where the vehicle is not registered in the Applicant’s name, a notarised Power of Attorney authorising its use as Security
  • Where the vehicle is jointly owned with the State, a copy of the Government co-ownership Agreement
Release of a Security at RDB
  • Payment of Rwf 7,800 into the Notary’s Zigama CSS account for preparation of the mortgage deregistration document
  • Payment of Rwf 1,000 into the RDB account held at Zigama CSS for mortgage deregistration
Correcting Errors in Security Documents
  • Payment of Rwf 7,800 into the Notary’s Zigama CSS account for certification of the Agreement releasing the Security
  • Payment of Rwf 7,800 into the Notary’s Zigama CSS account for certification of the new LoanAagreement reflecting the corrected Security
  • Payment of Rwf 3,900 into the Notary’s Zigama CSS account for preparation of the Abstract of Mortgage Agreement (AOMA) for the new Loan Agreement
  • Payment of Rwf 1,000 into the RDB account held at Zigama CSS for release of the Security
  • Payment of Rwf 20,000 into the RDB account held at Zigama CSS to register the corrected Security
  • A civil Status Certificate issued within the last three months
  • A valuation report issued within the last three years
Applying for a New Title with a UPI Number
  • The original title deed already held as Security
  • Receipts confirming payment of all applicable taxes
  • The Land Survey Report
  • A cadastral fiche officially stamped by the District Land Office
  • Payment of Rwf 10,000 into the District account through Irembo
  • Payment of Rwf 5,000 for issuance of the new certificate
  • A civil Status Certificate issued within the last three months
  • A Copy of your national ID
  • A letter from Zigama CSS to the District accompanying the Security documents
Subdividing a Plot of Land
  • A letter from Zigama CSS to the District accompanying the Security documents
  • Receipts confirming payment of all applicable Taxes
  • The original title deed already held as Security
  • One cadastral fiche for each plot created through the subdivision
  • Payment of 30,000 Rwf for each Cadastral Record (Fiche)
  • Payment of Rwf 5,000 for each Certificate to be issued.
  • A civil Status Certificate issued within the last three months
  • A copy of national ID
Removing a Deceased Co-Owner’s Name
  • A letter from Zigama CSS to the District accompanying the Security documents
  • The original title deed already held as Security
  • Receipts confirming payment of all applicable Taxes
  • Death Certificate
  • Payment of Rwf 5,000 for the new Certificate
  • A copy of national ID
Removing a Former Spouse’s Name After Divorce
  • A letter from Zigama CSS to the District accompanying the Security documents
  • The original Title Deed already held as Security
  • Tax receipts confirming that there are no outstanding tax arrears
  • A divorce certificate or court judgment confirming the divorce
  • Payment of Rwf 5,000 for the new Certificate
  • A copy of national ID
Changing the Permitted Use of Land
  • A letter from Zigama CSS to the District accompanying the Security documents
  • The original Title Deed already held as Security
  • Receipts confirming payment of all applicable Taxes
  • A civil Status Certificate issued within the last three months
  • Payment of Rwf 5,000 for the new Certificate
  • A copy of National ID
Transferring Property Ownership
  • A letter from Zigama CSS to the District accompanying the Security documents
  • The original Title Deed already held as Security
  • Tax receipts confirming that there are no outstanding tax arrears
  • A civil Status Certificate issued within the last three months
  • Payment of Rwf 5,000 for the new Certificate
  • Payment of 30,000 Rwf for the service
  • A copy of National ID

Payment of Notary and RDB Service Fees

  • A member requiring Notary or RDB Services pays the Applicable Fee into the designated Account and is served the following day, once all loan requirements are complete
  • The RDB account is held at Zigama CSS
  • For Notary Fees, payment is made to the account of the Notary on duty, as provided by your file Analyst

Related Documents

Scheme Documents supporting certain Applications

Agricultural Loan Facilities supported by RDB Farming and Livestock Projects supported by the Government through BDF and MINAGRI, including the requirements for each project PDF, 816 KB, Kinyarwanda

Not sure which list applies to your application?

Our Branches handle these requirements. For more clarification, call 5005 or visit the nearest Branch

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