How do I apply for FLISP?

Author
MyProperty
South Africa's #1 independent property portal

If you meet all the requirements, you can apply for a government subsidy, but you must first apply for a home loan. You used to have to apply for a home loan and have the application approved before you could apply for FLISP, but as of April 2022, this is no longer necessary. You can now use other sources of finance to apply, including: • The beneficiary’s pension/provident fund loan. • A co-operative or community-based savings scheme, i.e. stokvel. • The Government Employees Housing Scheme. • Any other Employer-Assisted Housing Scheme. • Certified copy of the deed of sale. • An unsecured loan. • An Instalment Sale Agreement or Rent-to-own Agreement. • You can then discuss an application with your financial institution, contact the nearest municipality for advice, or submit an application form at the Department of Human Settlements.

Property questions?
Get quick answers about buying, selling, renting, and more from our AI powered real estate bot
Home Loans Property News
Should you fix your home loan interest rate?
Market & Opinion
Should you fix your home loan interest rate?
26 Jan 2026
Homeowners and prospective home buyers often consider fixing the interest rate on their home loans, and with inflation concerns, rising living costs, and an upcoming repo rate announcement, this has once again become a key talking point.
read more
Home loan checklist: Get pre-approved before February
Market & Opinion
Home loan checklist: Get pre-approved before February
13 Jan 2026
For many South Africans, the start of the year marks the time when serious home-buying decisions are made. January and February traditionally mark a period of renewed market activity, with new listings and motivated sellers. If you are planning to buy property in 2026, one of the smartest moves you can make is to get pre-approved for a home loan before February.
read more
Affording a home in 2026 - the real numbers South African buyers need to know
Market & Opinion
Affording a home in 2026 - the real numbers South African buyers need to know
08 Jan 2026
For most South Africans, buying a home in 2026 is no longer just about finding the right property; it’s also about navigating affordability in a high-cost, high-pressure environment. Food prices remain elevated, electricity and municipal charges continue to rise, and while interest rates have eased from their peak, they’re still high enough to shape what buyers can realistically afford.
read more
Is 2026 the year you finally buy a home? Here’s how to know
Market & Opinion
Is 2026 the year you finally buy a home? Here’s how to know
29 Dec 2025
For many South Africans, the idea of buying a home has become a “next year” goal that keeps rolling over. Rising costs, interest rate uncertainty, and day-to-day expenses make it easy to delay what feels like a huge financial step.
read more
Real Estate Tools
Get pre-qualified
Make offers with confidence knowing what you can afford. Then shop for the best home loan
Bond Calculator
Calculate the estimated repayments on a home loan and savings with extra payments