Memorandum of Understanding

We Are Here to Help You Buy a New Home at an Affordable Price

A memorandum of understanding (MOU) is an important document when buying a house, as it outlines the terms and conditions of the agreement between the buyer and seller. An MOU serves as a binding agreement and helps to prevent misunderstandings and disputes between the parties involved. Here are some reasons why using an MOU is important when buying a house:


Clarity of

An MOU clearly defines the terms and conditions of the sale, including the purchase price, closing date, and any contingencies. This helps ensure both the buyer and seller understand their respective obligations.


An MOU can serve as a legally binding agreement, providing the buyer with protection in case of a dispute with the seller.


No misunderstandings

 By having a written agreement in place, misunderstandings can be avoided, and both parties can clearly understand their responsibilities.


Evidence of Agreement

The MOU serves as written evidence of the agreement between the buyer and seller, which can be used in court in case of a dispute.


Confidence in The Sale

Having a well-drafted MOU in place can increase the confidence of both parties in the sale, as it provides a clear understanding of the terms and conditions.


In conclusion, an MOU is crucial when buying a house as it provides clarity and legal protection and can prevent misunderstandings. It is advisable to seek the assistance of a real estate lawyer when drafting an MOU to ensure that all necessary terms and conditions are included.

That’s why Africa Panorama Investments Group Limited has partnered with various institutions to help you buy a home at an affordable price and at risk free.


Our Partners


Basic Education Teachers Union of Zambia


National Housing Authority Zambia


National Union of Public Service Workers Zambia


Ministry of Infrastructure, Housing, and Urban Development, Zambia


Zambia National Building Society


National Union of Public and Private Educators of Zambia


Zambia Union of Financial Institutions and Allied Workers


Judicial And Allied Workers Union Of Zambia

Panorama Investment Group Limited is eager to work with the Government of Zambia through a public-private partnership and private institutions to help create more jobs and business opportunities, as well as to continue building more affordable housing and contribute to additional relevant social and economic development.

At Africa Panorama Investment Limited, we are so excited to have achieved this milestone with the various unions with which we have signed MOUs to make owning a house affordable for our people.

How does it work

Are you a teacher, lecturer or educational professional, who belongs to a union that has sign an MOU with Africa Panorama Investment Group Limited? We’ve got great news for you! Emerald Hill, Lusaka’s newest housing development, offers special ways to buy at preferential rates through unions!

 To find out if your Union has already signed up to give you a great deal on a two or three bedroom home of your very own, fill in this form now:


Union Member Registration Form

To get full details and an offer customised to you, please fill in this form and choose which house size you are most interested in! We look forward to welcoming you into our community!

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