Discharge a charge after clearing a land loan (remove the bank from your title)
State Department for Lands and Physical Planning · sources read 2 Oct 2026
Once the loan is fully paid, lodge the discharge, the original title and stamp duty proof at the land registry. Stamp duty is 0.05% of the amount discharged, plus KSh 1,000 registration and a KSh 2,500 title fee. It takes about 3 days.
- Fee
- KSh 1,000Registration fee (discharge)KSh 2,500Title fee (discharge)FreeSettlement scheme discharge or certificate of outright purchase (Land Adjudication and Settlement)
- How long
- About 3 days at the registry once all documents are in
- Where
- The land registry where the land is registered
What you need
- Discharge instrument, original title deed and proof of stamp duty payment
- Copy of ID or passport, KRA PIN certificate and 2 passport-size photos
Steps
- Clear the loan and get the signed discharge instrument and your original title deed.
- Pay stamp duty of 0.05% of the discharged amount and keep the receipt.
- Lodge the discharge, original title, stamp duty receipt, ID, KRA PIN and 2 photos at the land registry.
- Pay KSh 1,000 registration plus KSh 2,500 title fee. The charge is removed from the register.
Watch out
- Paying off the loan is not enough. Until the discharge is registered, the bank stays on your title.
- Settlement scheme land loan from the government? Land Adjudication and Settlement issues the discharge or a certificate of outright purchase for free once you show full payment.
Who can apply
- A landowner who has fully repaid a loan secured on the land.
Official sources (3)
- Charges & Discharges lands.go.ke · read 2 Oct 2026
- Discharge of Charge/Outright Purchase Certificates lands.go.ke · read 2 Oct 2026
- SDLPP Service Charter (Updated 2025) lands.go.ke · read 2 Oct 2026