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About Us

The Zambia National Building Society (ZNBS) was established by the Government of the Republic of Zambia on 24th December, 1970 under the Building Societies Act of 1968. The Society was formed with the mandate of mobilizing financial resources to invest in mortgages with the aim of increasing the country’s housing stock.In addition to property  Financing, ZNBS also provides Banking services across the country. The Society also provides office space to individuals and companies mainly in properties along the line of rail.

Our Drive and Passion

Vision

To become the leading Housing Finance
institution with Premier Banking services
in the Zambian Financial Market.

 Mission

 To provide quality, affordable and sustainable
 Mortgage finance, financial services and other
 allied services for the benefit of clients,
 stakeholders and the society.

Our Core Values

The Society adopts the acronym CREDIT to define the shared core values as follows;

Customer focus -  Placing the customer at the core of the Society’s business and ensuring high quality service.
Respect              - The ability and self-control to recognize the value of every individual and treat them with dignity and equity.
Excellence          - To provide quality service which is unusually good and so surpasses ordinary standards.
Drive                  - The energy and commitment to satisfy our customers and all stakeholders.
Integrity             - Trustworthiness, honesty and fairness, committed and accountable.
Teamwork          - We believe that inclusion and collegiality are fundamental principles for high performance.
                             Each individual must be empowered to influence change, and we are most effective when working together.
                             Knowledge and information must be shared and leaders must make decisions in consultation with others.


Board Of Directors

Mr. - -
Chairman
Mr. - -
Member
Ms. - -
Member
Mr. - -
Member
Ms. - -
Member
Mr. - -
Member
Mrs. - -
Member

Senior Management

Mrs. Mildred Nyamizyu Mutesa
Managing Director
Victor Mwanza
Acting Director Finance
Christopher Lubumbe Kapoma
Director Human Resources
Vivian Milumbe
Chief Operations Officer
Malcolm Chabala
Director Banking and Mortgage
Elijah Esau Chulu
Director Risk
Mutinta Syulikwa
Society Secretary

Background

Download Here

Running Tenders

Procurement


Procurement Department

Zambia National Building Society

Century House, Cairo Road

P. O. Box 30420

Lusaka

Email: procurement@znbs.co.zm




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About Us

  • About Us
  • Mission & Vision
  • Senior Management
  • Publications & Downloads

Our Drive and Passion

Vision

To become the leading Housing Finance
institution with Premier Banking services
in the Zambian Financial Market.

 Mission

 To provide quality, affordable and sustainable
 Mortgage finance, financial services and other
 allied services for the benefit of clients,
 stakeholders and the society.

Our Core Values

The Society adopts the acronym CREDIT to define the shared core values as follows;

Customer focus -  Placing the customer at the core of the Society’s business and ensuring high quality service.
Respect              - The ability and self-control to recognize the value of every individual and treat them with dignity and equity.
Excellence          - To provide quality service which is unusually good and so surpasses ordinary standards.
Drive                  - The energy and commitment to satisfy our customers and all stakeholders.
Integrity             - Trustworthiness, honesty and fairness, committed and accountable.
Teamwork          - We believe that inclusion and collegiality are fundamental principles for high performance.
                             Each individual must be empowered to influence change, and we are most effective when working together.
                             Knowledge and information must be shared and leaders must make decisions in consultation with others.


Mr. - -
Chairman
Mr. - -
Member
Ms. - -
Member
Mr. - -
Member
Ms. - -
Member
Mr. - -
Member
Mrs. - -
Member
Victor Mwanza
Acting Director Finance
Mildred Nyamizyu Mutesa
Managing Director
Christopher Lubumbe Kapoma
Director Human Resources
Vivian Milumbe
Chief Operations Officer
Malcolm Chabala
Director Banking and Mortgage
Elijah Esau Chulu
Director Risk
Mutinta Syulikwa
Society Secretary

Latest News

Banking & Mortgages

  • Banking
  • Branch Network
  • Banking Loans
  • QUICK SERVEY

Banking

Zambia National Building Society is committed to providing its clients with the security, convenience and value for money they expect from a local Financial Institution which has been in existence for more than 50 years. In a world filled with uncertainties, our aim is to grow with you and plot a steady path together that best allows you to realize your goals whatever they may be. As such, we offer you a range of Banking Products and Services that will enhance your Banking experience.

Mortgage loans


Buying or building a house is probably the biggest investment that you will ever make in your life.At ZNBS we realise this and have come up with solutions to help you achieve your dream.The following are the different types of mortgage products:

Outright  Purchase

A loan for purchase of an existing property or properties.

Construction Loan

A loan for construction purposes where one possesses a plot or has an incomplete structure and is looking to finish it.

Home Improvement Loan

A loan for refurbishments, renovations and extensions to an existing property.

Mortgage Requirments

What Do You Need To Get A Mortgage

  • Introduction Letter From Current Employer which should clearly indicate whether you are employed on permanent or contract basis
  • Certified Photocopy Of either National Registration Card or valid Passport
  • One (1) Passport Size Photo
  • Copy of a Title Deed , Land Record Card or Occupancy License
  • Original Latest Payslip stamped and signed by Payroll Accountant
  • Latest Bank Statements for the Past (6)Six months (Original or certified copies)
  • Proof of residence i.e. Utility bill
  • Approved building plans to be submitted if constructing.
  • Schedule of works to be submitted for all borrowing except outright purchase
  • Proof of payment of rates and ground rent from the council and Ministry of Lands respectively (attach copy of latest receipt)
  • Copy of Contract to be attached if employed on contract.
  • Stage inspection fee of K500.00 within Lusaka CBD and Ndola, and K700.00 elsewhere to be paid for each site visit.
  • Valid Lease where rental income is declared

For Outright purchase

  1. Copy of NRC of Vendor,
  2. Offer Letter
  3. Contract of sale/Letter of sale

The following documents through the vendor's Lawyers will be required after approval of the loan: 

  • Granted Consent to Assign
  • Property Transfer Tax Clearance Certificate
  • Duly Executed Assignment
  • Duly Executed Mortgage Deed
  • Original Certificate Of Title, Land Record Card or Occupancy License
Clients to open one of the two accounts below when the application reaches offer stage

Type of Account Minimum balance Maintenance fees

  • Mortgage Fixed deposit account K1,000.00 with no maintenance fees
  • Mortgage savings account K700.00 with maintenace fee of K22.00

Requirements For Account Opening

  • Introduction Letter From Current Employer
  • Photocopy Of National Registration Card ( Certified)
  • Two (2) Passport Size Photos
  • Utility bill
  • Hand written application letter
Note : Mortgage application form and CRB fees are not refundable. for details contact your nearest branch.

Mortgage

ZNBS was established to help increase the housing stock in the country through mortgage financing. Therefore, all mortgage loans provided by the institution are for purposes of building, buying or making upgrades to a residential house. We do not offer mortgage for purposes of business operations.


Frequently Asked Questions

Any Zambian with verifiable income qualifies to apply for a mortgage at Zambia National Building Society.
ZNBS was established to help increase the housing stock in the country through mortgage financing. Therefore, all mortgage loans provided by the institution are for purposes of building, buying or making upgrades to a residential house. We do not offer mortgage for purposes of business operations.
Yes you need to have title to obtain a mortgage from ZNBS. The plot on which you plan to build or the house you want to buy should have a title deed. This is because any mortgage disbursed, by virtue of its meaning, must have property pledged as collateral. Unless you decide to pledge another property as collateral, the house you are buying or building will be taken in as security or collateral. Hence it should be on title legally obtained. Other security documents that we accept include a Land Record Card and an Occupancy License.
The mortgage ceiling (maximum amount) is K1,500,000. However, the amount you can borrow is determined by 50% calculated off your net income. If, for instance, your net income is K10,000, 50% of this amount is K5,000 and this is the amount to be used to calculate how much you can borrow.
No, it is for any one who meets all requirements
Yes . You can apply for a mortgage at any of the 22 ZNBS branches across the country.
75%
We can finance up to K1,500,000 maximum. However, that is determined by your net income. If its outright purchase it is 100%, for construction we give stage payments
Yes you do. You can either open a mortgage fixed account or a mortgage shares account. But there are other savings accounts that you can consider. Visit your nearest ZNBS branch and you will be given all the informational about the various accounts you can choose from.
There are two options to making your repayments. Either through post dated cheques or through standing instructions with your bank.
ZNBS only facilitates House Owners Insurance policy which insures the mortgaged property. This policy does NOT cover the loan in the event of death or permanent disability to the borrower. However, customers are encouraged to take up Credit Life which covers the loan with an insurance company of their choice.
Minimum amount K50,000 and Maximum amount K1,500,000
From 2 to 20 YEARS
Outright purchase, construction, renovation.
we only finance the purchase of houses.
Yes if you have a contract. If, for instance, you have a 5 year contract and you have served 1 year, the mortgage will run for the remaining period of the that contract
Yes. You can get a building materials loan or a friendly loan as they do not require collateral. But you cannot get a Mortgage without Collateral.

ZNBS Mobile banking


ZNBS offers you the ease and convenience of conducting transactions in an environment you feel most comfortable with. You can get alerts and notifications and check balances. Discover quick, simple and convenient way to take command of your bank account, on your mobile phone the following advantages:
  • Convenient way to access your account
  • Safe and Secure Banking
  • No need of queuing up at ATMs to check balances.
  • Banking services without Internet on the USSD platform
Our mobile banking services work with almost all types of handsets and help you access your Bank account anytime, anywhere. A quick and easy registration is all you need to avail ZNBS Mobile Banking services. Get started with Mobile Banking by dialing *6868# and subscribe NOW!Ts and Cs Apply

Internet banking

Internet banking

Agency banking

ZNBS SMART CASH

Bringing Banking services to your door step and neighbor. ZNBS Smart Cash promotes financial inclusion within the communities and places outside the line of rail. ZNBS Smart Cash is a cash deposit and withdrawal banking service offered at any ZNBS Agent outlets to only ZNBS account holders.

List of Services Currently the following services are available:

  • Balance Inquiries
  • Mini statement
  • Account Based Cash Deposit and Withdraw
  • Funds Transfers §  Redeem Voucher
  • Bill Payments (MTN Data, Liquid Telecom Data, TopStar, Zesco, DsTV, GoTv and Zuku)
  • Special Request (ATM Application, ATM Renewal, standing Order) 
  • Cardless Transactions (cash in - cash out, Card-less withdraws and internal funds transfers)
  • Loan application and repayment §  Account Opening (existing ZNBS customers)  

Benefits
  • The benefits of ZNBS Cash Express for customers are:
  • Reduced travel costs and time to get access to your bank account
  • Convenience - less travel and waiting time as the Xpress agents are close to you
  • Transactions speeds – all transactions are carried out in real-time
  • Extended service hours - some agent outlets operate for longer hours and over the weekend

How to become an Agent
  • Must have a registered company §  Must enter into Agency agreement with ZNBS – Terms and Conditions apply

How to

ZNBS MOBILE BANKING


Banking on your fingertips 24/7. ZNBS Mobile Banking allows you access banking services 24/7 from the comfort of your mobile devices at your convenient from anywhere, anytime and save you time to focus on increasing your productivity. Mobile banking is accessible on the three MNOs by dialing *686# and downloading the mobile application from the play store.

USSD Self-Registration Dial *686# 

  • Well come to ZNBS   and press 1 Register or 00 to Exit.
  • Enter your National ID - 111111771
  • Enter a secret word or create a security question!
  • Set a four-digit PIN and confirm the PIN. Or Visit the nearest ZNBS Branch if your details are not correctly captured.

Login – Dial *686#
Message appears on your phone screen "Dear John Peter, welcome to ZNBS Mobile Banking"

1.       Enter PIN: 4040 Main Menu appears
2.       Reset PIN Enter your secret word: xoxo
                           What is your favorite animal? Xoxo
                           Enter ID No: - 111111771
                           Enter PIN (4 digits) 4545
                           Confirm PIN: 4545
                           Enter your new PIN to proceed: 4545.

Main Menu appears Mobile application is Available on the Play store
  • Download ZNBS Mobile Application from the Play store and apple Stores.
  • Inter ID Number to continue, ID Number: 111111771
  • Phone Verification, Your OTP will be automatically detected. If not enter it below, Enter the OTP received on your phone from ZNBS.
  • Enter a secret word or create a security question!
  • Set a four-digit PIN and confirm the PIN.
  • Registration Successful

Login
  • Tap on the Mobile application on your phone.
  • Already have account.
  • Mobile Number, enter mobile number to continue: 095584415, next.
  • Enter PIN to continue

Benefits:

  • Secure
  • Easy to use.
  • Financial Market Information
  • 24/7 access to your bank account
  • Convenience - Banking from the comfort of your home or Office
 

What do I need to get started?

  The following are the necessary requirements to apply:
  • Open an Account with ZNBS
  • Registration/Reset by visiting any nearest ZNBS branch.
  • Self-Registration/Reset via the App or using our short code *686#
  • ZNBS Mobile Banking from the Website
  • Terms and Conditions apply

Digital Banking


Digital Banking or E-Banking is a product designed for the purposes of Online Banking that enables you, ZNBS customer to have easy and safe access to your bank account.

 E-banking is a safe, fast, easy and efficient electronic service that enables you access to bank account and to carry out online banking services, 24 hours a day, and 7 days a week.

With this service you save your time by carrying out banking transactions at any place and at any time, from your home or office, all you need is internet access. E-banking enables the following:

    Accurate statement of all means available in your bank account 

    Statement of current account, credits, overdrafts and your deposits

    Execution of national and international transfers in various currencies 

    Execution of all types of utility bill payments (electricity, water bills, pay TV, Money Transfer, Airtime purchase, etc..)

    Carrying out customs payments 

    Electronic confirmation for all transactions executed by E-banking 

    Management of your credit cards 

 How to apply?

All you need to do is visit one of our branches, and everything will be taken care of  within a few minutes.

Our Branch Network

Banking Loans

  • Friendly Loan
  • We understand that different customers have different needs and that is why the Friendly Loan has been tailored to meet diverse customer’s needs. This loan can be used to pay for School fees, buy a vehicle, buy farming equipment, pay medical bills,etc. Get Upto ZMW 250,000.00
  • Maximum tenure: 60 Months
  • Apply
  • PSMD
  • This is a facility born out of a Memorandum of Understanding signed between the Government of the Republic of Zambia and the Zambia National Building Society. The objective is to help public service employees to access affordable personal loans for purposes of refinancing their existing loans which were gotten at high interest. Get Upto ZMW 50,000.00
  • Maximum tenure: 60 Months
  • Apply
  • Salary Advance
  • Whether you have run out of money to meet your urgent needs or you need a quick fix to sort out some bills, a Salary Advance will give you extra funds that you need. To qualify for a Salary Advance, you need to have a Salary Account with ZNBS. There is no ceiling on how much you can borrow. The entitlement is determined by the net Salary.
  • Maximum tenure: 6 Months
  • Apply
  • Building Materials Loan
  • A Loan for stage by stage Building requirements, comprising Cement loan, Blocks Loan, Roofing Loan and Fittings Loan. This loan can also be used to pay connection fees to utility companies such as Zesco and water suppliers. It can be used to buy generator sets, installation of boreholes, windmills etc. You can get up to K 400,000.00
  • Maximum tenure: 60 Months
  • Apply

Quick Survey






Company Profile

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Downloads

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Our Branch Network

BANKING LOANS

  • Friendly Loan
  • Get Upto ZMW 1,000,000.00
  • Maximum tenure: 60 Months
  • Apply
  • PSMD
  • Get Upto ZMW 1,000,000.00
  • Maximum tenure: 60 Months
  • Apply
  • Salary Advance
  • Get Upto ZMW 1,000,000.00
  • Maximum tenure: 6 Months
  • Apply
  • Building Materials Loan
  • Get Upto ZMW 1,000,000.00
  • Maximum tenure: 60 Months
  • Apply

QUICK SURVEY






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ZNBS properties

Lusaka

  • Society House,Cairo Road
  • Century House, Cairo Road
  • Permanent House, Cairo Road
  • Chachcha House, Chachacha Road

Ndola 

  • Nordesia House, Buteko Avenue
  • Bwafwano House, Buteko Avenue
  • Security House, Buteko Avenue

Mufulira 

  • Security and Nordesia House, Buteko Avenue

Choma 

  • Permanent House, Livingstone Road

Livingstone

  • Permanent House, Mosi-o-Tunya Road

Chingola 

  • Permanent House, Kitwe/Kwacha Road
  • Bwafwano House, Kwacha Road

Kitwe

  • Permanent House, City Square

Chililabombwe

  • Permanent House, President Avenue/Penn Brooke Road

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Vacant spaces For Rent

PERMANENT HOUSE, LUSAKA

This is a four storey multi-tenanted commercial property situated along Cairo Road within the Central Business District of Lusaka. The building is easily accessible as it fronts Cairo Road which is easily accessible with complimentary properties in the vicinity.An internal floor space of 3,192.99 Square metres available for occupation from the ground floor to the third floor.

CENTURY HOUSE, LUSAKA

This is a four storey commercial building with a penthouse flat to upper floor. It is well located in the central business district of Lusaka along Cairo Road which makes it easily asccessible as it is a very busy road. The building is in close proximity to competing and complementary properties. An internal floor space of 2127.23 sq.m is available for occupation from the ground floor to the fourth floor.

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Property Customer Care

Details available soon


Office Space Application

Download the form below to Apply for Office Rentals


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Properties & Estates

  • ZNBS properties
  • Vacant spaces For Rent
  • Property Customer Care
  • Office Space Application
  • Properties for sale

Lusaka

  • Society House,Cairo Road
  • Century House, Cairo Road
  • Permanent House, Cairo Road
  • Chachcha House, Chachacha Road

Ndola 

  • Nordesia House, Buteko Avenue
  • Bwafwano House, Buteko Avenue
  • Security House, Buteko Avenue

Mufulira 

  • Security and Nordesia House, Buteko Avenue

Choma 

  • Permanent House, Livingstone Road

Livingstone

  • Permanent House, Mosi-o-Tunya Road

Chingola 

  • Permanent House, Kitwe/Kwacha Road
  • Bwafwano House, Kwacha Road

Kitwe

  • Permanent House, City Square

Chililabombwe

  • Permanent House, President Avenue/Penn Brooke Road
Download

PERMANENT HOUSE, LUSAKA

This is a four storey multi-tenanted commercial property situated along Cairo Road within the Central Business District of Lusaka. The building is easily accessible as it fronts Cairo Road which is easily accessible with complimentary properties in the vicinity.An internal floor space of 3,192.99 Square metres available for occupation from the ground floor to the third floor.

CENTURY HOUSE, LUSAKA

This is a four storey commercial building with a penthouse flat to upper floor. It is well located in the central business district of Lusaka along Cairo Road which makes it easily asccessible as it is a very busy road. The building is in close proximity to competing and complementary properties. An internal floor space of 2127.23 sq.m is available for occupation from the ground floor to the fourth floor. Download

Details available soon

Download the form below to Apply for Office Rentals

Download

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Head Office


P.O Box 30420, 10101 , Century House,Cairo road

Lusaka, Zambia

info@znbs.co.zm

+260 211 229191 / +260 211 225510

Ndola Sales Office


, P.O. Box 70601

Ndola, Zambia

sales@znbs.co.zm

+260 (21) 612897 / 615811

Mufulira Branch


P.O. Box 40430,

Mufulira, Zambia

mufulira@znbs.co.zm

+260(212) / 411483

Mufulira Friendly Centre


P.O. Box 40430,

Mufulira, Zambia

mufulira@znbs.co.zm

+260 (212) 410928 /

Mpika Branch


P.O. Box 450134,

Mpika, Zambia

mpika@znbs.co.zm

+260 (214)370537 / +260 955 3705385

Mansa Branch


P.O. Box 710200,

Mansa, Zambia

mansa@znbs.co.zm

+260 (212) 821928 /

Kapiri Mposhi Branch


P.O. Box 810227,

Kapiri Mposhi, Zambia

kapiri@znbs.co.zm

+260 (215) 271049 / 271045

Livingstone Branch


P.O. Box 60303,

Livingstone, Zambia

livingstone@znbs.co.zm

+260(213) 320162 / 321637

Mazabuka Branch


P.O. Box 670484 ,

Mazabuka, Zambia

mazabuka@znbs.co.zm

+260 (213) 230863 / 230763

Mongu Branch


P.O. Box 910050,

Mongu, Zambia

mongu@znbs.co.zm

+260 (217) 221209 / 221809

Luanshya Branch


P.O. Box 90430,

Luanshya, Zambia

luanshya@znbs.co.zm

+260 (212) 510240 / 510932

Solwezi Branch


P.O. Box 70901,

Solwezi, Zambia

solwezi@znbs.co.zm

+260 (218) 821645 / 821642

Kasama Branch


P.O. Box 410526,

Kasama, Zambia

kasama@znbs.co.zm

+260 (214) 221231 /

Society House Branch


P.O. Box 30420,

Lusaka, Zambia

society@znbs.co.zm

+260 (211) 223411 / 237405

Society Friendly Centre


P.O. Box 30420 ,

Lusaka, Zambia

society@znbs.co.zm

+260 (211) 239937 /

Permanent House Branch


P.O. Box 30420,

Lusaka, Zambia

permanent@znbs.co.zm

+260 (211) 224003 / 225129

Kabwe Branch


P.O. Box 80403,

Kabwe, Zambia

kabwe@znbs.co.zm

+260 (215) 224595 / 223718

Chipata Branch


P.O. Box 510299,

Chipata, Zambia

chipata@znbs.co.zm

+260 (216)221728 / 223768

Choma Branch


P.O. Box 630120,

Choma, Zambia

choma@znbs.co.zm

+260 (213) 220355 /

Soweto Agency


P.O. Box 30420,

Lusaka, Zambia

permanent@znbs.co.zm

+260 (211) 842053 /

Chililabombwe Branch


P.O. Box 210430,

Chililabombwe, Zambia

chililabombwe@znbs.co.zm

+260 (212) 382965 / 380746

Chingola Branch


P.O. Box 10596,

Chingola, Zambia

chingola@znbs.co.zm

+260 (212) 311530 / 313159

Nyimba Branch


P.O. Box 570167,

Nyimba, Zambia

nyimba@znbs.co.zm

+260 (216) 374050 /

Kitwe Branch


P.O. Box 20601,

Kitwe, Zambia

kitwe@znbs.co.zm

+260 (212) 223235 / 227105

Kitwe Friendly Centre


P.O. Box 20601,

Kitwe, Zambia

kitwe@znbs.co.zm

+260 (212) 225340 /

Ndola branch


P.O. Box 70901,

Ndola, Zambia

ndola@znbs.co.zm

+260 (212) 614818 / 612848

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