Rephidim Land FAQs

Frequently Asked Questions

  • How much and what size are the plots?
    • 50x50 meters: Was 154,000.00 - Now 130,900.00
  • Location

    Located at Rephidim Estate in Lusaka West, Kasupe area off Kasupe Road, branching off Mungwi Road; Note: Rephidim Institute is also found on Google Maps

  • How can I view the land?

    You can contact 0979-808195 to arrange for site viewing between Sunday- Friday 08:00 to 16:00 hours

  • Is the land on title?

    Land is on title and separate titles are available for each piece of land.

  • How can I get financing to buy the land?

    You can download the Loan application via CareCoop website ( and select CareCoop Land Loan

  • What are the loan terms?

    The CareCoop land loan is priced at 1.5% For a tenure of up to 36 months (T&Cs apply depending on one’s debt service ratio etc)

  • Is there need for collateral?

    The title deed for the land purchased will be used as the security or collateral for the loan. Therefore, members who borrow this type of loan will not be required to bring additional collateral

  • Can I get more than one plot?

    Members are at liberty to acquire as much land as they can. There is no limitation.

  • What is the procedure for the land acquisition?

    The following steps are applicable:

    1. Contact CareCoop assigned number and visit Rephidim
    2. To view site and select plot of choice
    3. Apply for a CareCoop land loan
    4. CareCoop will then pay Rephidim
    5. Rephidim will sign a contract of sale with Individual
    6. Member and Title assigned
    7. Title will be given to CareCoop as security
    8. Member is free to develop their land
    9. Begin loan repayment
    10. Once the loan is fully repaid, CareCoop will give title to Member
  • Are there any hidden fees that a member should know?

    The following are applicable:

    • 1% credit life insurance as per any other loan product available to CareCoop members will apply
    • K55 funds transfer fees to Rephidim will apply
    • 5% property transfer tax is to be borne by individual member in order for rephidim to process individual titles
  • What will happen if I want to acquire the CareCoop land loan to finance the land priced at K600, 000?

    Note that CareCoop currently only gives loans up to K500,000. Therefore, if a member wants to acquire this type of land, they will have to pay the difference from other sources. Note also, that the K500, 000 will be made of a combination of loan products as the CareCoop Land Loan has a limit of K250,000

  • Can I get financing for the additional fees

    Yes. CareCoop has taken this into account and the following are the loan amounts that should be made to cater for all the fees involved:

    1. 50x50 meters = K130,900. Loan amount to apply will be K 142,194.44 Includes 7.5% property transfer tax + Credit life insurance + transfer fees.
  • What procedure can I follow as I submit the land loan to CareCoop ?

    The standard procedure that is applicable for all types of loans will apply.