Step Step

t
ount
Number
Step
Lower
Lower
Higher
Higher
Amount
Amount
Number
Step
Lower
Lower
Higher
Higher
Amount
Amount
human settlements
0 NumberR 7 501
21 R 7 700 R 63 500 Number
41 R 11 501 R 11 700 R 40 000
Department:
57 000 22 21 R7R 7 501 R 7 R
701 7 700 R 62
900 R 325
63 500 42 41 R 11
R 11 501
701 RR
1111 700
900 RR3840825
000
Human Settlements
05 825 23 22 R7R 7 701 R 8 R
901 7 900 R 61
100 R 150
62 325 43 42 R 11
R 11 701
901 RR
1211 900
100 RR3738650
825 PROVINCE OF KWAZULU-NATAL
54 650 24 23 R8R 7 901 R 8 R
101 8 100 R 59
300 R 975
61 150 44 43 R 11
R 12 901
101 RR
1212 100
300 RR3637475
650
03 475 25 24 R 8
R 8 301 101 R 8
R 8 500 300 R 59 975
R 58 800 45 44 R 12
R 12 101
301 RR
1212 300
500 RR3536300
475
THE FINANCE LINKED INDIVIDUAL SUBSIDY
52 300 26 25 R8R 8 301 R 8 R
501 8 500 R57R 625
700 58 800 46 45 R 12
R 12 301
501 RR
1212 500
700 RR3435125
300
PROGRAMME FOR FIRST TIME HOME OWNERS
01 125 27 26 R8R 8 501 R 8 R
701 8 700 R 56R57
900 450625 47 46 R 12
R 12 501
701 RR
1212 700
900 RR3234950
125
The Finance Linked Individual Subsidy Programme(FLISP) was
59 950 28 27 R8R 8 701 R 9 R
901 8 900 R 55
100 R 275
56 450 48 47 R 12
R 12 701
901 RR
1312 900
100 RR3132775
950
introduced by the Minister of Human Settlements in terms of

PROOF
08 775 29 28 R 8
R 9 101 901 R 9
R 9 300 100 R 55 275
R 54 100 49 48 R 12
R 13 901
101 RR
1313 100
300 RR3031600
775
the provisions of Section 3(5) of the Housing Act, 1997
57 600 30 29 R9R 9 101 R 9 R
301 9 300 R 52
500 R 925
54 100 50 49 R 13
R 13 101
301 RR
1313 300
500 RR2930425
600 (Act 107 of 1997) and took effect from 01 April 2005
6 425 30 R 9 301 R 9 500 R 52 925 50 R 13 301 R 13 500 R 29 425
0 31 R 9 501 R 9 700 R 51 750 51 R 13 501 R 13 700 R 28 250
5 250 31 R 9 501 R 9 700 R 51 750 51 R 13 501 R 13 700 R 28 250 WHAT IS THE FINANCE LINKED INDIVIDUAL
5 32 R 9 701 R 9 900 R 50 575 52 R 13 701 R 13 900 R 27 075 SUBSIDY PROGRAMME (FLISP)?
4 075 32 R 9 701 R 9 900 R 50 575 52 R 13 701 R 13 900 R 27 075
0 33 R 9 901 R 10 100 R 49 400 53 R 13 901 R 14 100 R 25 900 The Finance Linked Individual Subsidy Programme (FLISP) is a
2 900 33 R 9 901 R 10 100 R 49 400 53 R 13 901 R 14 100 R 25 900
5 34 R 10 101 R 10 300 R 48 225 54 R 14 101 R 14 300 R 24 725 subsidy instrument that assists qualifying households by
1 725 34 R 10 101 R 10 300 R 48 225 54 R 14 101 R 14 300 R 24 725 providing a once-off down payment to those households who
0 35 R 10 301 R 10 500 R 47 050 55 R 14 301 R 14 500 R 23 550
0 550 35 R 10 301 R 10 500 R 47 050 55 R 14 301 R 14 500 R 23 550 have secured mortgage finance to acquire a residential
5 36 R 10 501 R 10 700 R 45 875 56 R 14 501 R 14 700 R 22 375
9 375 36 R 10 501 R 10 700 R 45 875 56 R 14 501 R 14 700 R 22 375 property for the first time.
0 37 R 10 701 R 10 900 R 44 700 57 R 14 701 R 14 900 R 21 200
8 200 37 R 10 701 R 10 900 R 44 700 57 R 14 701 R 14 900 R 21 200 HOW WILL THE FINANCE LINKED INDIVIDUAL
5 38 R 10 901 R 11 100 R 43 525 58 R 14 901 R 15 000 R 20 000
7 025 38 R 10 901 R 11 100 R 43 525 58 R 14 901 R 15 000 R 20 000 SUBSIDY PROGRAMME (FLISP) ASSIST A
0 39 R 11 100 R 11 300 R 42 350
5 850 39 R 11 100 R 11 300 R 42 350 QUALIFYING BENEFICIARY?
5 40 R 11 301 R 11 500 R 41 175
4 675 40 R 11 301 R 11 500 R 41 175 FLISP assists qualifying beneficiaries who obtain mortgage
finance from a bank to:
Ācquire ownership of an existing residential property.
Ōbtain vacant serviced residential stands which are linked
to house building contracts with home builders registered
with the National Home builders Registration Council
(NHBRC) or
B̄uild a new house with the assistance of a home builder
registered with the National Home Builders Registration
Council (NHBRC), on a serviced residential stand, that is
ready owned by the beneficiary.

WHO IS FLISP TARGETED AT?

Households whose gross income range is between R3 501 to
R15 000 and are South African citizens or must hold a
permanent residence permit.
WHAT IS THE SUBSIDY AMOUNT THAT ONE
CAN QUALIFY FOR?
THE QUALIFYING CRITERIA
FINANCE LINKED INDIVIDUAL
The applicant should:
Depending on their income level, a qualifying beneficiary will
qualify for a subsidy of between R20 000 and R87 000 as it Earn between R3 501 to R15 000.
¯ SUBSIDY PROGRAMME
applies on a sliding scale. Be a South African citizen with a valid Identity Document,
¯
or be a permanent resident with a permanent residence
HOW DO I APPLY FOR FLISP? permit.
Ȳou must be in the market looking for a house and should The applicant or his/her spouse must not have previously
¯
be able to secure a home loan / bond as it is a derived benefits from the housing subsidy scheme or any
other state funded or assisted housing subsidy scheme
Subsidy parameters
requirement to access the FLISP subsidy.
T̄o apply you must contact or visit the Department of which conferred benefits of ownership, leasehold or deed
of grant.
Maximum Subsidy R87 000.00
Human Settlements Helpdesk and The Bank

PROOF
WHAT IS THE OBJECTIVE OF THE FINANCE
N̄ot have qualified for a government housing subsidy Minimum Subsidy R20 000.00
before.
LINKED INDIVIDUAL SUBSIDY PROGRAMME? N̄ot have owned a fixed residential property before.
The objective of the programme is to reduce the initial W̄here the application Step
is made for a subsidy on the basis Step
Step
Lower Higher Amount Lower Higher
Higher Amount
Amount
mortgage loan amount to render the monthly loan repayment of a legal marriage orNumber
cohabitation arrangement, it is Number
Number
instalments affordable over the loan payment term, or required that the property1 must beRregistered
3 501 in
R the
3 700 R 87 000 11 3 501
R7 RR 37 700
700 R 87 000500
R 63
mortgage loan period, or can be used as a deposit to purchase name of both spouses in the Deeds Office.
2 R 3 701 R 3 900 R 85 825 22 3 701
R7 RR 37 900
900 R 85 825325
R 62
the property. Be competent to contract - over 18 years or legally
¯
3 and of sound
married or legally divorced R 3 901mind. R 4 100 R 84 650 33 3 901
R7 RR 48 100
100 R 84 650150
R 61
Be married or cohabiting.4
¯ R 4 101 R 4 300 R 83 475 44 4 101
R8 RR 48 300
300 R 83 475975
R 59
Be single with financial dependents.
¯
5 R 4 301 R 4 500 R 82 300 55 4 301
R8 RR 48 500
500 R 82 300800
R 58
6 R 4 501 R 4 700 R 81 125 66 4 501
R8 RR 48 700
700 R 81 125
R57 625
If the home loan application7is declined R4 by701
the bank
R4 then
900youR 79 950 77 4 701
R8 RR 48 900
900 R 79 950450
R 56
will not be able to access the Finance Linked Individual
8 R 4 901 R 5 100 R 78 775 88 4 901
R8 RR 59 100
100 R 78 775275
R 55
Subsidy Programme (FLISP).
If you have already purchased 9 a property,
R 5 101
and the R 5 300
property R 77 600 99 5 101
R9 RR 59 300
300 R 77 600100
R 54
has already been transferred10into yourRname5 301with R
effect fromR 76 425
5 500 10
10 5 301
R9 RR 59 500
500 R 76 425925
R 52
01 April 2012 you will also be
11 eligible to apply
R 5 501 for FLISP
R 5 700 R 75 250 11
11 5 501
R9 RR 59 700
700 R 75 250750
R 51
provided that you meet the necessary requirements.
12 R 5 701 R 5 900 R 74 075 12
12 5 701
R9 RR 59 900
900 R 74 075575
R 50
The subsidy is also available to civil servants provided that
their total household income 13includingRtheir
5 901housing
R 6 100 R 72 900 13
13 5 901
R9 6 100
R 10 100 R 72 900400
R 49
allowance does not exceed R1514 000 per R6 month,
101 excluding
R 6 300 R 71 725 14
14 RR10
6 101
101 6 300
R 10 300 R 71 725225
R 48
overtime and commission. 15 R 6 301 R 6 500 R 70 550 15
15 RR10
6 301
301 6 500
R 10 500 R 70 550050
R 47
16 R 6 501 R 6 700 R 69 375 16
16 RR10
6 501
501 6 700
R 10 700 R 69 375875
R 45
For enquiries please contact 17
the KZN Department
R 6 701 ofRHuman
6 900 R 68 200 17
17 RR10
6 701
701 6 900
R 10 900 R 68 200700
R 44
Settlements on the following numbers:
18 R 6 901 R 7 100 R 67 025 18
18 RR10
6 901
901 7 100
R 11 100 R 67 025525
R 43
031 336 5300 / 031 336 5396 / 031 336 5277 / 031 336 5262 /
19 R 7 101 R 7
031 336 5285 / 031 336 5418 or visit our offices on the 300 R 65 850 19
19 RR11
7 101
100 7 300
R 11 300 R 65 850350
R 42
9th floor, Samora House, 2 Samora
20 Machel Street R 7 500 R 64 675
R 7 301 20
20 RR11
7 301
301 7 500
R 11 500 R 64 675175
R 41
(Aliwal Street), Durban. Website: www.kzndhs.gov.za
 Step Step
t
ount
Number
Step
Lower
Lower
Higher
Higher
Amount
Amount
Number
Step
Lower
Lower
Higher
Higher
Amount
Amount
human settlements
0 NumberR 7 501
21 R 7 700 R 63 500 Number
41 R 11 501 R 11 700 R 40 000
Department:
57 000 22 21 R7R 7 501 R 7 R
701 7 700 R 62
900 R 325
63 500 42 41 R 11
R 11 501
701 RR
1111 700
900 RR3840825
000
Human Settlements
05 825 23 22 R7R 7 701 R 8 R
901 7 900 R 61
100 R 150
62 325 43 42 R 11
R 11 701
901 RR
1211 900
100 RR3738650
825 PROVINCE OF KWAZULU-NATAL
54 650 24 23 R8R 7 901 R 8 R
101 8 100 R 59
300 R 975
61 150 44 43 R 11
R 12 901
101 RR
1212 100
300 RR3637475
650
03 475 25 24 R 8
R 8 301 101 R 8
R 8 500 300 R 59 975
R 58 800 45 44 R 12
R 12 101
301 RR
1212 300
500 RR3536300
475
UHLELO LOKUXHASA UMUNTU NGAYEDWA
52 300 26 25 R8R 8 301 R 8 R
501 8 500 R57R 625
700 58 800 46 45 R 12
R 12 301
501 RR
1212 500
700 RR3435125
300 NGEMALI OLUBHEKELELA ABAQALAYO
01 125 27 26 R8R 8 501 R 8 R
701 8 700 R 56R57
900 450625 47 46 R 12
R 12 501
701 RR
1212 700
900 RR3234950
125 UKUBA NGABANIKAZI BEMIZI
59 950 28 27 R8R 8 701 R 9 R
901 8 900 R 55
100 R 275
56 450 48 47 R 12
R 12 701
901 RR
1312 900
100 RR3132775
950 Uhlelo Lokuxhasa Umuntu Ngayedwa Ngemali (FLISP)

PROOF
lwasungulwa nguNgqongqoshe Wezokuhlaliswa Kwabantu
08 775 29 28 R 8
R 9 101 901 R 9
R 9 300 100 R 55 275
R 54 100 49 48 R 12
R 13 901
101 RR
1313 100
300 RR3031600
775
Kazwelonke ngokwezihlinzeko zeSigaba 3(5) zoMthetho
57 600 30 29 R9R 9 101 R 9 R
301 9 300 R 52
500 R 925
54 100 50 49 R 13
R 13 101
301 RR
1313 300
500 RR2930425
600
Wezezindlu, we-1997 (UMthetho uNo. 107 we- 1997) lwabe
6 425 30 R 9 301 R 9 500 R 52 925 50 R 13 301 R 13 500 R 29 425 seluqala ukusebenza kusukela mhla lulu- 01 kuMbasa
0 31 R 9 501 R 9 700 R 51 750 51 R 13 501 R 13 700 R 28 250
5 250 31 R 9 501 R 9 700 R 51 750 51 R 13 501 R 13 700 R 28 250 wezi-2012.
5 32 R 9 701 R 9 900 R 50 575 52 R 13 701 R 13 900 R 27 075
4 075 32 R 9 701 R 9 900 R 50 575 52 R 13 701 R 13 900 R 27 075
0 33 R 9 901 R 10 100 R 49 400 53 R 13 901 R 14 100 R 25 900
2 900 33 R 9 901 R 10 100 R 49 400 53 R 13 901 R 14 100 R 25 900 LUYINI UHLELO LOKUXHASA UMUNTU
5 34 R 10 101 R 10 300 R 48 225 54 R 14 101 R 14 300 R 24 725 NGAYEDWA NGEMALI (FLISP)?
1 725 34 R 10 101 R 10 300 R 48 225 54 R 14 101 R 14 300 R 24 725
0 35 R 10 301 R 10 500 R 47 050 55 R 14 301 R 14 500 R 23 550 Uhlelo Lokuxhasa Umuntu Ngayedwa Ngemali (FLISP) yindlela
0 550 35 R 10 301 R 10 500 R 47 050 55 R 14 301 R 14 500 R 23 550
5 36 R 10 501 R 10 700 R 45 875 56 R 14 501 R 14 700 R 22 375 yokuxhasa ngemali elekelela abanikazi bemizi abafanelekile
9 375 36 R 10 501 R 10 700 R 45 875 56 R 14 501 R 14 700 R 22 375 ngokuba bahlinzekwe ngesigaxa semali esikhokhelwa labo
0 37 R 10 701 R 10 900 R 44 700 57 R 14 701 R 14 900 R 21 200
8 200 37 R 10 701 R 10 900 R 44 700 57 R 14 701 R 14 900 R 21 200 abangabanikazi bemizi asebethole imalimboleko yokuthenga
5 38 R 10 901 R 11 100 R 43 525 58 R 14 901 R 15 000 R 20 000
7 025 38 R 10 901 R 11 100 R 43 525 58 R 14 901 R 15 000 R 20 000 imizi abaqalayo ukuthenga umuzi.
0 39 R 11 100 R 11 300 R 42 350
5 850 39 R 11 100 R 11 300 R 42 350
5 40 R 11 301 R 11 500 R 41 175 KUNGABE I-FLISP IBALEKELELA KANJANI
4 675 40 R 11 301 R 11 500 R 41 175 LABO BAHLOMULI ABAFANELEKILE
UKUTHOLA LOLU XHASO?
I-FLISP yelekelela abahlomuli abafanelekile ukuluthola lolu
xhaso asebethole imalimboleko yokuthenga imizi ebhange:

Ukuze babengabanikazi bemizi evele isikhona.

¯
Ukuze bathole izitende okungakhiwe lutho kuzona
¯
esezihlinzekwe ngazo zonke izinsiza eziyizidingongqangi
abasenkontilakini yokwakhiwa kwezindlu nabakhi
bezindlu ababhaliswe eMkhandlwini Wokubhaliswa
Kwabakhi Bezindlu Kazwelonke (NHBRC) noma
Ukuze bakhe izindlu ngokulekelelwa abakhi bezindlu
¯
ababhaliswe ku- NHBRC, ezitendeni esezihlinzekwe ngazo
zonke izinsiza eziyizidingongqangi, abavele
sebengabanikazi bazo.
OBANI ABAZOHLOMULA KU- FLISP?
Abanikazi bemizi abahola imali yabo isiphelele ephakathi
kuka-R3 501 kuya ku-R15 000 futhi abayizakhamuzi
zaseNingizimu Afrika noma abanezimvume zokuhlala
kuleli ezisemthethweni.
SINGAKANANI ISAMBA SOXHASO
ESITHOLAKALAYO?
Kuya ngezinga lomholo, umhlomuli ofanelekile angakwazi
ukuthola uxhaso oluphakathi kuka- R20 000 kuze kufinyelele
ku-R87 000 njengalokhu kukhonjiswe esikalini sezinga
Ofaka isicelo noma ashade naye akumele ukuba wake UHLELO LOKUXHASA UMUNTU
wahlomula ngaphambilini ohlelweni loxhaso lwezindlu noma
kunoma yiluphi olunye uxhaso lukahulumeni noma ake NGAYEDWA NGEMALI
alekelela ohlelweni loxhaso lwezindlu kudingidwa imihlomulo
yobunikazi, yokuba netayitela noma yokuba nencwadi
eyilungelo lokwakha. Imikhawulo yoxhaso
Uxhaso lungafinyelela ku- R87 000.00
K̄ube ngukuthi akakaze agunyazelwe isicelo sakhe soxhaso Uxhaso luqala ku-R20 000.00
lukahulumeni lwendlu ngaphambilini.
K̄ube ngukuthi akakaze kwakona abe nomuzi
ngaphambilini.

PROOF
lamaholo. Ēsimweni lapho isicelo sifakelwe uxhaso ngoshade
ngokusemthethweni noma ngumasihlalisane, ehhovisi
NGINGASIFAKA KANJANI ISICELO SOXHASO Step
lamatayitela kudingeka ukuba indlu ibhalisweHigher
ngabo Amount Step
Step S
Lower Lower Higher
Higher Amount
Amount
Number Number
Number Nu
LWE-FLISP? bobabili.
1
Ābe ngonelungelo lokwenza R 3 501
isivumelwano –Roneminyaka
3 700 R 87 000 11 3 501
R7 RR 37 700
700 R 87 000500
R 63
Uma kungukuthi usemshikashikeni wokuthenga indlu
¯ yobudala engaphezu kweyi-18
2 noma oshadeR 3 900 R 85 825
R 3 701 22 3 701
R7 RR 37 900
900 R 85 825325
R 62
futhi uzokwazi ukuthola imalimboleko yokuwuthenga ngokusemthethweni noma owehlukanise
njengalokhu kuyikona okudingekayo ukuze ukwazi 3 R 3 901 R 4 100 R 84 650 33 3 901
R7 RR 48 100
100 R 84 650150
R 61
ngokusemthethweni futhi ophile kahle ngokomqondo.
ukuthola lolu xhaso lwe- FLISP. Ābe ngoshadile noma 4onomasihlalisane.
R 4 101 R 4 300 R 83 475 44 4 101
R8 RR 48 300
300 R 83 475975
R 59
Ukufaka isicelo kumele ushayele noma uye mathupha
¯ Ābe ngongashadile onabantu
5 abondlayo.
R 4 301 R 4 500 R 82 300 55 4 301
R8 RR 48 500
500 R 82 300800
R 58
etafuleni losizo (help desk) loMnyango Wezokuhlaliswa
6 R 4 501 R 4 700 R 81 125 66 4 501
R8 RR 48 700
700 R 81 125
R57 625
Kwabantu kanye nasebhange Uma kungukuthi ibhange lisichithile isicelo sakho
7 R 4 701 R 4 900 R 79 950 77 4 701
R8 RR 48 900
900 R 79 950450
R 56
semalimboleko yokuthenga indlu kuyobe-ke sengukuthi
YINI INHLOSONGQANGI YALOLU HLELO? angeke wakwazi ukuthola8uxhaso kulolu
R 4 901
hlelo i-RFLISP.
5 100 R 78 775 88 4 901
R8 RR 59 100
100 R 78 775275
R 55

Inhlosongqangi yalolu hlelo ukwehlisa isamba semalimboleko Uma sekungukuthi uvele 9sewuthengile umuzi, futhi
R 5 101 lowo muzi
R 5 300 R 77 600 99 5 101
R9 RR 59 300
300 R 77 600100
R 54
yokuthenga umuzi ukuze ibe ncane imali ekhokhwa ngenyanga sewuvele sewubhalwe egameni
10 lakho kusukela
R 5 301 mhla
R 5 500lulu- R 76 425 10
10 5 301
R9 RR 59 500
500 R 76 425925
R 52
ngesikhathi esibekelwe ukuba ikhokhwe, noma isikhathi 01kuMbasa wezi- 2012 nawe unalo ilungelo lokufaka isicelo
11 R 5 501 R 5 700 R 75 250 11
11 5 501
R9 RR 59 700
700 R 75 250750
R 51
semalimboleko yokuthenga indlu, noma ingasebenza ibe soxhaso lwe-FLISP inqobo nje uma uhlangabezana nako konke
okudingekayo okunqunyiwe.12 R 5 701 R 5 900 R 74 075 12
12 5 701
R9 RR 59 900
900 R 74 075575
R 50
yidiphozithi lapho uthenga indlu.
Bayaluthola lolu xhaso nabasebenzi
13 bakahulumeni
R 5 901 inqobo
R 6 100 Rnje
72 900 13
13 5 901
R9 6 100
R 10 100 R 72 900400
R 49
INQUBO ESETSHENZISWAYO UKUZE uma iholo labo seliphelele
14 kubandakanya
R 6 101nesibonelelo
R 6 300 R 71 725 14
14 RR10
6 101
101 6 300
R 10 300 R 71 725225
R 48
UFANELEKE UKUTHOLA LOLU XHASO sezindlu alevile ku-R15 000 ngenyanga, singasibali isibonelelo
15 R 6 301 R 6 500 R 70 550 15
15 RR10
6 301
301 6 500
R 10 500 R 70 550050
R 47
sokusebenza amahora angeziwe kanye nekhomishini.
Ofaka isicelo kumele: 16 R 6 501 R 6 700 R 69 375 16
16 RR10
6 501
501 6 700
R 10 700 R 69 375875
R 45
Ahole phakathi kuka-R3 501 kuya ku-R15 000.
¯
Uma unemibuzo uyacelwa ukuba uxhumane noMnyango
17 R 6 701 R 6 900 R 68 200 17
17 RR10
6 701
701 6 900
R 10 900 R 68 200700
R 44
Abe yisakhamuzi saseNingizimu Afrika esinomazisi
¯
Wezokuhlaliswa Kwabantu KwaZulu-Natali kulezi zinombolo
zocingo ezilandelayo: 18 R 6 901 R 7 100 R 67 025 18
18 RR10
6 901
901 7 100
R 11 100 R 67 025525
R 43
osemthethweni, noma abe ngumhlali wakuleli
ngokugcwele onemvume esemthethweni 031 336 5300 / 031 336 5396
19 / 031 336
R 7 5277
101 / 031R 7336
3005262R/65 850 19
19 RR11
7 101
100 7 300
R 11 300 R 65 850350
R 42
031 336 5285 / 031 336 5418
20 noma uzifikele
R 7 301 mathupha
R 7 500 R 64 675 20
20 RR11
7 301
301 7 500
R 11 500 R 64 675175
R 41
emahhovisi ethu aku:-9th floor, Samora House, 2 Samora
Machel Street (Aliwal Street), eThekwini. Kusizindalwazi
(Website): www.kzndhs.gov.za