Government Employees
Housing Scheme
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Non-Mortgage Housing Loan


(Un-bonded)

The non-mortgage housing loan is a loan accessed from a registered financial institution for purposes of buying, building and/or renovating your house. Generally, such loans have the following features:

  • No bond registration costs (which are normally associated with mortgage-based home loans).
  • Shorter repayment terms (3-7 years).
  • Average loan amounts of up to R250 000 – subject to affordability and lenders qualification terms.
  • Evidence of property existence and/or ownership.
  • Employees may access this type of housing loan through lenders who participate in GEHS.
In this section Housing Allowance Individual Linked Savings Account (ILSF) Non Mortgage Housing Finance (un-bonded) Mortgage-based Housing Loan (Bond) FAQs