Get started

Emergency? Call our 24 hour hotline 0861 103 740

OFF CENTER

Access funds you’ve paid over and above your required home loan instalments.

Contact us

Downloads

GEHS Home Loan Package Brochure

Download in the language of your choice.

Home Buyers Guide

Download in the language of your choice.

Home Loan Details

Our 30 Year Home Loan is exclusive to clients buying a new home and is not available to clients. This bond is only available to clients under the age of 45 years.

With a longer term, the total cost of a 30 Year Home Loan will be higher than a 20 Year Home Loan.

Term of loan
30 years
20 years
Term of loan
Home
loan amount
Indicative
Interest rate
Monthly instalment based
on 10%
Total cost of loan
30 years
R1 000 000
10%
R8 776 per month
R3 159 258
20 years
R1 000 000
10%
R9 650 per month
R2 316 052
The above amounts are indicative only.

Terms and conditions apply to all products. The availability of lending products is subject to our credit policy as amended from time to time.

Home Loan Details

  • After 36 months, the loan becomes a standard 20 Year Home Loan.
  • Bring down your capital balance with extra payments in the first 3 years, saving you interest.

Sign up for GEHS by clicking here.

Unsure about anything?
Call the GEHS Enrolment and Education Support Call Centre on 0861 12 3434.

Personal Support

Our friendly consultants want you to get approved and will go the extra mile. From helping you complete application forms, collecting documents for your credit assessment and keeping you up to date on your application status.

FLISP Subsidy

The Finance Linked Individual Subsidy Program, better known as FLISP, offered by the Department of Human Settlements grants affordable first-time housing subsidies to qualifying applicants.

FLISP gives successful applicants a subsidy amount of up to R 121 626. This can be used as a deposit on a home or as a lump sum payment into the bond account to reduce monthly instalments.

Speak to a consultant to start the application process

Apply online 0861 000 376 0861 000 376

To qualify for FLISP, you must be:

  • You may access available funds in your home loan to pay this once-off premium
  • By capping your interest rate at 1% or 2% above your current home loan intere
  • Your interest rate will still go down when national interest rates decrease. However
  • When interest rates rise above the selected CAP rate, your instalment will increase in line with the rate increase.

To qualify for FLISP, you must be:

  • Contact our Personal
  • We complete a full
  • Send us your most recent Bank
  • We’ll contact you on approval
  • Contact our Personal
  • We complete a full
  • Send us your most recent Bank
  • We’ll contact you on approval

Steps to apply

  1. Contact our Personal Loans team on 0861 000 376 or email PersonalLoans@sahomeloans.com.
  2. We complete a full affordability assessment with you.
  3. Send us your most recent Bank Statements and Payslip.
  4. We’ll contact you on approval to sign your lending agreement.

Home Loan Details

  • You may access available funds in your home loan to pay this once-off premium
  • By capping your interest rate at 1% or 2% above your current home loan intere
  • Your interest rate will still go down when national interest rates decrease. However
  • When interest rates rise above the selected CAP rate, your instalment will increase in line with the rate increase.

Call me back

Error message here
Error message here
Error message here

Need to register a claim?

Call our 24-hour emergency hotline

0860 2 4 6 8 10

Call me back

Error message here
Error message here
Error message here

Speak to a consultant

0860 2 4 6 8 10

What are Government Employee Home Loan Products?

SA Home Loans has partnered with the Department of Public Services and Administration (DPSA), the Public Investment Corporation (PIC) and the Government Employees Pension Fund (GEPF) to provide home finance opportunities for government employees. This is done under the umbrella of the Government Employees Housing Scheme (GEHS), for which SA Home Loans is the home finance partner.

Downloads

GEHS Home Loan Package Brochure

Download in the language of your choice.

Home Buyers Guide

Download in the language of your choice.

Terms and conditions apply to all products. The availability of lending products is subject to our credit policy as amended from time to time.

Your stories