Rural Housing Loan Fund

If you’re a low-income earner and you’re having trouble getting a housing loan, Rural Housing Loan Fund is here to help.

What is Rural Housing Loan Fund?

Rural Housing Loan Fund is a financial institution that was founded back in 1996. It was established by the Department of Housing using initial funds it got from the German Development Bank and other donors.

RHLF was created to provide low-income earners access to affordable house loans. The intention is for borrowers to use the money to gradually improve their living conditions.

Rural Housing Loan Fund enables retail, NGOs, and community-based intermediaries to become micro-lenders of house loans. These smaller partners borrow funds from the RHLF stash and lend it to individual clients living in rural regions of the country. This includes secondary cities and smaller towns. Thanks to this symbiotic relationship between the government and private institutions, the RHLF is able to reach all 9 provinces, giving loan access to more people throughout the nation.

Aside from this, RHLF also provides free education about housing loans to their clients.

RHLF loans can be used to buy, fix, build, or improve the properties of their clients.

Getting Your Loan

You cannot apply directly to RHLF to get a loan. You have to approach, instead, their intermediaries who will process your request and lend you the amount you need.

Take a look at their partners and select one which you think is the right match for you.

Interest & Fees

Interest and fees may vary, depending on the RHLF intermediary you’re dealing with. The interest rates imposed are closely monitored by RHLF’s Pricing Policy, so rest assured you’re getting a fair deal.

All their intermediaries are accredited by the National Credit Regulator and follow the rules operating under the National Credit Act.

To get a better rate, get loan quotes from different intermediaries and compare which one best suits your financial capability.

Rural Housing Loan Fund gives low-interest rates to intermediaries so that they can also offer low-interest loans to their clients. Intermediaries are prescribed to charge interest rates lower than the maximum allowed by the National Credit Act to keep the loans affordable.

Repayment Schedule

Working with intermediaries allow RHLF to collect repayments more effectively. However, the repayment term these partners offer may vary, depending on the size of loan you’re applying for.

To avoid plunging their clients into deeper debts, RHLF intermediaries make sure your repayments do not exceed more than 30% of your household income.


Requirements may also vary from one lender to another. However, based on what creditors usually require from their applicants, you must at least have the following documents ready:

  • ID book to prove you’re a South African citizen
  • Payslips for the past 6 months
  • Proof of residence, i.e., bills for the past 3 months
  • Bank statement for the past 3 months


RHLF imposes strict regulations on how the loaned amount is used. Materials based on asbestos are prohibited from being bought using the loan.

Contact Details

You can get in touch with Rural Housing Loan Fund using their feedback form online. You can also call or fax them using the following numbers:


Phone: + 27 (0) 11 644 9898

Fax: + 27 (0) 11 621 2520


Their office is found at the following address:


Office Address: Isle of Houghton Office Park, 1st Floor, Old Trafford 3 NHFC Building, 11 Boundary Road, Houghton 2198


Take note of their office hours if you want to visit or contact them:

Monday to Thursday: 8:00 AM to 5:30 PM

Friday: 9:00 AM to 5:30 PM

Saturday: 9:30 AM to 1:00 PM