🏠 RDP vs First Home Finance: Which Government Housing Subsidy Is Right for You?

South Africa has two major housing support programs — but they serve very different people.

Whether you’re unemployed, working part-time, or earning a stable income but struggling to afford a deposit, understanding the difference between RDP Housing and First Home Finance could be the first step toward owning your home.

🏡 What Are These Programs?

RDP Housing (Breaking New Ground Initiative)

• Free house from the government

• For people earning R3,500/month or less

• You apply and wait until a home is built and allocated to you

First Home Finance (formerly FLISP)

• Once-off subsidy (between R38,911 – R169,265)

• For people earning between R3,501 – R22,000/month

• Used to reduce your home loan, cover a deposit, or help build a home

✅ What You Get

RDP Housing:

• Fully built home

• Usually 2 bedrooms, lounge, kitchen, bathroom

• You own it 100%, no repayment

First Home Finance:

• A lump sum subsidy

• Used to:

  • Reduce the bond amount

  • Pay your deposit

  • Build on serviced land

• You choose the home

🧭 Flexibility & Control

RDP Housing:

• No choice in location or timing

• You’re placed on a waiting list

• It can take years

First Home Finance:

• You choose the home (new build, existing house, or plot & plan)

• Bond process is faster

• You could move in within months

👥 Real-Life Scenarios

• Lorato earns R2,800/month and is a single mother — she qualifies for RDP Housing, not First Home Finance.

• Sipo and Lindyway both earn R7,500/month — they qualify for First Home Finance and can receive up to R92,481 toward their bond.

📝 How to Apply

For RDP Housing:

• Visit your local housing office

• Fill out the housing subsidy application form

• Register on the National Housing Needs Register (NHNR)

• Submit ID, proof of income, and dependent details

For First Home Finance:

• Get bond pre-approval from a bank or apply with an accredited developer

• Gather documents (ID, payslips, bank statements)

• Apply through the bank, NHFC, or The Property Guys

• Once approved, receive your subsidy and purchase your home

📞 Need help applying?
We can assist you with the entire process — from bond pre-approval to finding a home and submitting your subsidy application.

💬 Final Thoughts

Both RDP Housing and First Home Finance work — but they are designed for different income levels:

• RDP = for those with very low or no income

• First Home Finance = for the working class who need a boost to buy their first home

Don’t miss out on a life-changing opportunity just because you didn’t know what you qualified for.

📲 Ready to Begin?

📞 WhatsApp us: Click to Chat
📧 Email: info@thepropertyguys.org

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