How to Apply
Apply In-Person

1. Applicant should visit the Government Employees Motor Vehicle and Residential Property Advance Scheme {GEMVAS} headquarter or any GEMVAS Branches near you for the application process for the Residential Property Advance Scheme. {See address details below}
2. Collect 5 copies of the 'Application form For Residential Property Advance from the GEMVAS service desk or use this link to download : Link
3. Submit the completed forms attached with the relevant supporting documents to the GEMVAS service consultants to be verification.
4. The consultant will then verify that all the necessary information and documents have been provided and that the applications comply with the selection criteria, before submitting the application file to department responsible for the evaluation and processing the applications.
5. If the loan is approved, beneficiaries will be registered to the scheme and notified of the outcome by a GEMVAS agent by phone or mail and the participating/beneficiary Bank will be disburse with the funds.
6. Once the construction work has commenced, the financing institutions {bank} will make loan disbursements to an approved contractor/ builder/ supplier of building material at various stages of construction or after delivery as the case may be.
7. Such disbursements will only be effected after the Ministry of Finance and Development Planning has given instruction in writing to the Financing Institution concerned. All claims must be routed through the Ministry for vetting and onward transmission to the Banks for payment.

GEMVAS RESIDENTIAL PROPERTY LOAN REQUIREMENTS: Link
Note; provide 5 copies of the required documents.

Government Employees Motor Vehicle and Residential Property Advance Scheme {GEMVAS}
Headquarters’
Address: At Poso House,
1st floor,
Plot 53952,
Khama Crescent,
Gaborone.
Tel: (+267) 3633637/606/627/605

Other GEMVAS Branches are located at Office of the Accountant General in these areas & the contacts are: 
Palapye: (+267) 4922944
Maun: (+267) 6860232
Francistown: (+267) 2412243
Opening Hours: Monday to Thursday 7.30 to 12.45 and 13.45 to 16.30,
Fridays 09.00am to 12.45 and 13.45 to 4.30pm, except on holidays

Ministry of Finance and Economic Development (MFED)
Physical Address: Government Enclave Khama Crescent Block 25, State Drive
Gaborone
Botswana
Postal Address: Private Bag 008, Gaborone
Tel: (+267) 3950100
Fax: (+267) 3905742
Ministry contact details link: Link
Website: Link

• Citizens and non-citizen who are Government Employee
• Please enquire with the service consultants at GEMVAS to determine more about the eligibility.

• No fees associate with the service

Explain the time until which the certificate/document is valid.
e.g. Birth Certificate Valid Forever

• Link {Application form}
  

Please attach sample completed documents that would help other people.

• The processing period is within 3 working days

Videos explaining the procedure or to fill the applications.
Attach videos using the following tag <&video type='website'>video ID|width|height<&/video&> from external websites.
Please remove the '&' inside the tags during implementation.
Website = allocine, blip, dailymotion, facebook, gametrailers, googlevideo, html5, metacafe, myspace, revver,
sevenload, viddler, vimeo, youku, youtube
width = 560, height = 340, Video ID = Can be obtained from the URL of webpage where the video is displayed.
e.g In the following url 'http://www.youtube.com/watch?v=Y0US7oR_t3M' Video ID is 'Y0US7oR_t3M'.

Important note;

• Applicants for an advance to purchase/construct/modify a residential property in either rural areas or situated on SHHA plots must be accompanied by a Common Law Lease Agreement that has been entered into between the applicant or seller and the Land Board/Council of a given area/district.
• The Land on which the property is to be erected must be surveyed by a qualified Land Surveyor whose report should incorporate sketches and diagrams showing the lot number and should be approved by the Director of Surveys and Lands. As a precondition for the award of an insurance cover, existing proprieties will also have to be surveyed in order to establish their exact location. The costs of surveying the land/property are to be borne by the applicant.
• Loan applications for the construction/modification of a residential property in urban areas may only be considered on production of building plans approved by the town councils, whereas in the case of rural areas, the Ministry of Finance and Development Planning may, in consultation with the Government Chief Architect, approve plans drawn up by any approved competent authority in this field.
• It is important to note that all residential properties financed under this Scheme are covered against all the normal buildings insurance risks such as fire, storm, flood etc from the time construction starts until the time the loan shall have been fully repaid. Monthly premiums shall be recovered from the Officer’s salary. Other details could be obtained from the certificate of insurance which should accompany every application.
• Upon completion of the house the contractor/builder must issue the owner with a certificate of completion who must in turn confirm his/ her acceptance of work to the Ministry of Finance and Development Planning.
• Government guarantee of the loan under this Scheme is on the understanding that the applicant undertakes to complete all the necessary formalities connected with the registration of the mortgage bond at his/her own expense and that such bond shall be held by Government until the loan is fully recovered.
• Once the loan is fully paid, take steps to get the bond released.

• Applicant bank details
  • Applicant details
  • Full names
  • Living at (Plot No./Ward/Village)
  • Contact details {postal address/phone/email)
  • Name of Chief/Headman
  • Employment details
  • Salary Advice Slip Number
  • Passport number
• Next of Kin details
  • Full names
  • Relationship
  • Date of birth
  • Postal address/cell phone

• The Government Employees Motor Vehicle and Residential Property Advance Scheme (GEMVAS) was established in 1988 under Section seven (7) of the General Orders. The Scheme is made possible by and through the provision of an 80% guarantee, by the Government of Botswana to participating lenders.
• The guarantee provides security against default by borrowers and salary deductions are done at source.

Enter other informations which might help.

Please explain what are other uses of obtaining this document/certificate.
e.g. Birth Certificate can be used as proof of identity.

• Government service portal: Link
• ministry of finance: Link

More information which might help people.