Government subsidy · 2025/26

FLISP Eligibility Checker

Finance Linked Individual Subsidy Programme — a once-off government grant for first-time South African home buyers. Check eligibility and estimate your subsidy in seconds.

Your details

Gross monthly household income (ZAR)

FLISP qualifying band: R3,501 – R22,000 per month.

Age

I am a South African citizen or permanent residentI have never owned a property beforeI have a spouse or financial dependentI have a home loan approval in principle (optional)

Result

You likely qualify

Estimated subsidy

R 68 000

Once-off, based on the sliding scale. Final amount confirmed by the NHFC.

Next step

Get a home loan approval in principle before applying — FLISP requires it.

How to apply for FLISP

1
Get pre-approved
Apply for a home loan at any major SA bank (FNB, Standard Bank, Absa, Nedbank, Capitec).
2
Find a property
Sign an Offer to Purchase. The property must fall within the qualifying price band (typically under R1.8m).
3
Submit to NHFC
Apply via the National Housing Finance Corporation (NHFC) with your ID, payslips, loan approval and OTP.
4
Receive the subsidy
If approved, the subsidy is paid directly to your home loan or attorney on transfer.

Read full FLISP guide Check affordability first