Home Seekers

END-BENEFICIARIES / HOME-SEEKERS

The NHFC was established to ensure that every low- and middle-income South African has easy access to affordable housing finance - these are individuals or households with monthly incomes between R1 500 and R15 000. This market sector is mostly able to contribute towards its housing costs, but finds it hard to access bank-funded housing finance.

Who Qualifies?

Credit criteria vary according to the different Social Housing Institution, Lender, or Retail Finance Intermediaries, but the following are the minimum conditions for every applicant:

  • South African citizenship
  • Older than 21 years
  • Household and/or Individual earning between R1 500 and R15 000 per month
  • Able to prove 2years continuous employment
  • Can demonstrate ability to service the loan

The SHI or Lender may take additional circumstances into account when evaluating a borrower's application, such as the credit record and other financial obligations. Each lender will inform the borrower of additional requirements or documents to be submitted.

Where to find finance?

The NHFC, however, does not provide direct funding to end-beneficiaries (home-owners or -seekers), but works through a number of Social Housing Institutions (SHI), accredited Private Lenders and Retail Finance Intermediaries. Depending on where an applicant works or wishes to live, they may approach any of these institutions directly as listed below:

 

Social Housing Institutions (SHIs):

 

Name of client Physical Address Tel. & Fax No.

FREE STATE

Reahola Housing Association 1 Reinet Street, Welkom 057 906 2065
057 906 2108
Reatlehile Housing Association 117 Stateway, Ground Floor, Sanlam Building, Welkom 057 906 2065
057 353 1513

GAUTENG

Affordable Housing Company Lister Building, JHB 011 221 8300
011221 8315
Molovuso Holdings 190 Barkston Drive, Blairgowrie, JHB 011 781 2163
011 781 2166
Access Home Loans 74 Boom Street, Klerksdorp 018 462 3627
018 462 1319
Cope Housing Association 2nd Floor JHC Building, 51 Main Street, JHB 011 833 8535
011 833 8536
Greater Germiston Inner City Housing Company Office No. 6, Pharoe Park Retail, Cnr Jack & Queens Streets, Germiston 011 872 0319
011 825 1326
Greenstart Home Loans 76 Garsfontein Road, Alphen Park, Pretoria 012 460 7722
012 460 7724
Johannesburg Housing Company 53 Main Street, cnr Main & MacLaren, JHB 011 241 6900
011 836 6887
Semag Housing Association 580 Primegro Place, Louis Botha Avenue, Gresswold 011 887 2484
011 887 2488
Contax Dienste Unit 21, 2nd Floor, Esselen Towers, 64 Esselen Street, Hillbrow, JHB 011 484 5527
011 484 4260

KWAZULU NATAL

Sohco Property Investments Suite 201, 2nd Floor, Salisbury Centre, 332-344 Smith Street, Durban 031 307 7676
031 307 7656
Msunduzi Housing Association 490 Jan Smuts Highway, Deodar Park, Mayville, Durban 031 209 0506

MPUMALANGA

Greater Middelburg Housing Association 148 Jan van Riebeck Street, Stand 416, Middelburg 013 282 9595
013 282 9599

WESTERN CAPE

Sohco 114 Military Road, Steenberg  
Cape Town Community Housing Co. Vesta House, Northbank Lane, Century City, Cape Town 021 552 1780

 

Private Lenders/Retail Finance Intermediaries (RFI's)/Banks:

(for Incremental & Home Ownership Loans)

 
Province(s) Serviced Name of Lender Physical Address Tel. & Fax No.
KWAZULU NATAL Ithala Limited 13 Crompton St, Pinetown Tel: (031) 7107511
Fax: (031) 7017215
MPUMALANGA Mpumalanga Housing Finance Co. Ekandustria, Bronkhorstspruit Tel: (013) 9333000
Fax: (013) 9333549
ALL PROVINCES Southfin (Pty) Ltd Bryanston Gate, Block 1, cnr Main & Curzon Rds, Bryanston Tel: (011) 7064797
Fax: (011) 463 5561
Greenstart Home Loans (Pty) Ltd 76 Garsfontein Rd, Alphen Park, Pretoria Tel: (012) 4607722
Fax: (012) 4607724
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