RURAL HOUSING
LOAN FUND
THE FINANCIAL MUSCLE BEHIND
INCREMENTAL RURAL HOUSING
What is the Rural Housing Loan Fund?
Rural Housing Loan Fund (RHLF) is a South African Government owned entity
established in 1996 with the mandate to facilitate access
to incremental housing finance by low income earners who want to improve their
housing conditions in rural areas and small towns in all provinces.
RHLF operates as a wholesale finance institution and facilitates access
to housing finance nationally through a network of housing finance lenders.
These intermediaries access funds from RHLF and on-lend to individual
borrowers throughout the country.
RHLF only works with:
• intermediary lenders that are NCR registered and who are
serving the general public;
• stokvels, cooperatives, and/or community-based organisations
who lend to their members only.
Borrowers use loans accessed from retail lenders for the following purposes:
• to build a new house,
• to improve the quality of their home,
• to extend their existing homes,
• to buy residential land,
• to connect to services, such as electricity and water,
• to improve sanitation conditions, and
• fence their homes – security.
RHLF Performance
Since establishment up to the end of March 2013, RHLF has:
• facilitated 370 524 loans for low-income
earners to improve their living conditions in rural areas;
• disbursed more than R1.1 billion to the incremental rural
housing finance market.
In the last five years to March 2013, RHLF has achieved
the following:
• annual disbursements to intermediaries
• number of loans
People who benefit
Our intermediary lenders enable RHLF to reach
all nine provinces of South Africa!
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