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DOWN PAYMENT ASSISTANCE PROGRAMS - SOUTH AFRICA:
R.E. DOWN PAYMENT ASSIST / R.E. AGENT ASSIST:
This revolutionary program allows you to cash out the equity in your existing vehicle and use that cash for the down payment on the purchase of a new home.
SOUTH AFRICAN GOVERNMENT PROGRAMS:
FINANCE LINKED INDIVIDUAL SUBSIDY PROGRAMME (FLISP)
1. WHAT YOU GET
This subsidy can be used by first-time home buyers to purchase an existing house. It can also be used to purchase a serviced residential stand linked to a building contract or to build a new house on a residential stand that you already own. Subsidies are provided depending on your income bracket and will be used to reduce your monthly home loan repayments. This will make your home loan more affordable. Your subsidy amount is based on your household income and ranges between R30 001 – R130 505.
See the FLISP sliding scale below to determine your subsidy amount
2. WHAT YOU NEED TO QUALIFY
You qualify for this subsidy if:
- You earn between R3 501 and R22 00.
- You are a South African citizen or have a permanent residence permit.
- You have not received a government housing subsidy before.
- You have not owned fixed residential property before.
- You are competent to contract - over 18 years of age.
- You are married, or cohabiting.
- You are single with financial dependents.
You can also apply for FLISP if your bond was registered in the past 2 years.
3. Once your home loan is approved, discuss a FLISP application with your financial institution or visit the Department of Human Settlements to complete a FLISP application form.
- Visit 27 Wale Street, Cape Town
- Call the Help Desk on 021 483 6488/0611/8984 - Monday to Friday for 07:30 to 15:00
- Email human.settlements@westerncape.gov.za: or
Visit the departmental website: www.westerncape.gov.za/dept/human-settlements
You can also contact your nearest municipality regarding this programme.
STEP INCOME BAND
LOWER:
R 3 501
R 3 701
R 3 901
R 4 101
R 4 301
R 4 501
R 4 701
R 4 901
R 5 101
R 5 301
R 5 501
R 5 701
R 5 901
R 6 101
R 6 301
R 6 501
R 6 701
R 6 901
R 7 101
R 7 301
R 7 501
R 7 701
R 7 901
R 8 101
R 8 301
R 8 501
R 8 701
R 8 901
R 9 101
R 9 301
R 9 501
R 9 701
R 9 901
R 10 101
R 10 301
R 10 501
R 10 701
R 10 901
R 11 101
R 11 301
R 11 501
R 11 701
R 11 901
R 12 101
R 12 301
R 12 501
R 12 701
R 12 901
R 13 101
R 13 301
R 13 501
R 13 701
R 13 901
R 14 101
R 14 301
R 14 501
R 14 701
R 14 901
R 15 001
R 15 201
R 15 401
R 15 601
R 15 801
R 16 001
R 16 201
R 16 401
R 16 601
R 16 801
R 17 001
R 17 201
R 17 401
R 17 601
R 18 001
R 18 201
R 18 401
R 18 601
R 19 001
R 19 201 R 19 401
R 19 601
R 19 801
R 20 001
R 20 201
R 20 401
R 20 601
R 20 801
R 21 001
R 21 201
R 21 401
R 21 601
R 21 801
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
HIGHER:
R 3 700
R 3 900
R 4 100
R 4 300
R 4 500
R 4 700
R 4 900
R 5 100
R 5 300
R 5 500
R 5 700
R 5 900
R 6 100
R 6 300
R 6 500
R 6 700
R 6 900
R 7 100
R 7 300
R 7 500
R 7 700
R 7 900
R 8 100
R 8 300
R 8 500
R 8 700
R 8 900
R 9 100
R 9 300
R 9 500
R 9 700
R 9 900
R 10 100
R 10 300
R 10 500
R 10 700
R 10 900
R 11 100
R 11 300
R 11 500
R 11 700
R 11 900
R 12 100
R 12 300
R 12 500
R 12 700
R 12 900
R 13 100
R 13 300
R 13 500
R 13 700
R 13 900
R 14 100
R 14 300
R 14 500
R 14 700
R 14 900
R 15 000
R 15 200
R 15 400
R 15 600
R 15 800
R 16 000
R 16 200
R 16 400
R 16 600
R 16 800
R 17 000
R 17 200
R 17 400
R 17 600
R 18 000
R 18 200
R 18 400
R 18 600
R 19 000
R 19 200
R 19 400
R 19 600
R 19 800
R 20 000
R 20 200
R 20 400
R 20 600
R 20 800
R 21 000
R 21 200
R 21 400
R 21 600
R 21 800
R 22 000
SUBSIDY AMOUNT:
R 130 505
R 129 388
R 128 272
R 127 155
R 126 038
R 124 921
R 123 805
R 122 688
R 121 571
R 120 454
R 119 338
R 118 221
R 117 105
R 115 988
R 114 871
R 113 754
R 112 637
R 111 521
R 110 404
R 109 287
R 108 170
R 107 054
R 105 937
R 104 820
R 103 703
R 102 587
R 101 470
R 100 353
R 99 237
R 98 120
R 97 003
R 95 886
R 94 771
R 93 654
R 92 537
R 91 420
R 90 304
R 89 187
R 88 070
R 86 954
R 85 837
R 84 720
R 83 603
R 82 487
R 81 370
R 80 253
R 79 136
R 78 020
R 76 903
R 75 786
R 74 670
R 73 553
R 72 436
R 71 319
R 70 203
R 69 086
R 67 969
R 66 852
R 65 736
R 64 169
R 63 502
R 62 385
R 61 269
R 60 152
R 59 035
R 57 919
R 56 802
R 55 685
R 54 568
R 53 452
R 52 335
R 51 219
R 50 102
R 48 986
R 47 869
R 46 752
R 45 636
R 44 519
R 43 402
R 42 285
R 41 168
R 40 052
R 38 935
R 37 818
R 36 702
R 35 585
R 34 468
R 33 351
R 32 235
R 31 118
R 30 001
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