The "Shell Structure" Jumpstart!

We specialize in helping you secure a grant to build a solid “shell structure”. This high-quality base provides you with a safe, permanent home immediately, allowing you to move in and finish the rest at your own pace!

What's Included:

A professionally built, structurally sound exterior and interior walling.

What's Excluded:

To keep your initial costs low and your grant approval fast, this shell structure does not include plumbing, electricity, tiles, or ceilings.

Feature Top-Ups:

If you want to add the plumbing, electricity, and tiles right away, we can assist you in applying for a top-up loan to cover these features, ensuring your home is move-in ready from day one!

Core Eligibility Requirements

• ​Income: Your gross monthly household income must be between R3,501 and R22,000.

• ​Citizenship: You must be a South African citizen or a permanent resident with a valid permit.

• ​Legal Status: You must be at least 18 years old and legally competent to enter into a contract.

• ​**First-Time Buyer: You must never have owned a fixed residential property before.

• ​Subsidy History: You (and your spouse, if applicable) must never have received a government housing subsidy before.

• ​Family Status: You must meet one of the following:

  • ​Be married or cohabiting.

  • ​Be single or divorced with at least one financial dependent (e.g., a child or family member who relies on your income).

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Required Documents for Your Application 📄

ID Documents: Your RSA bar-coded ID or Smart ID card (and your spouse’s ID, if applicable).

Birth Certificates: For all financial dependants living with you (children or others you support).

Marriage/Status Proof: Marriage Certificate or Civil Union Certificate.

Cohabiting Affidavit or Proof of Partnership: if you are living together but not married.

Divorce Settlement or Spouse’s Death Certificate (if applicable).

Financial Records

Proof of Income: “Employed” Your 3 most recent original payslips.

Self-Employed: 6 months of recent bank statements and an ITA34 (from SARS).

SASSA Earners: Official proof of your social grant or an affidavit confirming your income.

Employment Details: A letter from your employer confirming your employment status.

Property & Building Documents

Proof of Ownership: A certified copy of the Title Deed or Permission to Occupy (PTO) for the stand.

Approved Plans: A copy of the house plans already approved by the municipality.

Building Contract: A signed contract with “Us” an NHBRC-registered builder.

The Quote: A detailed quotation from the builder for the construction of the structure.

Dignissim Inc Professional Tip

If you don't have all of these yet? Don't worry! We specialize in helping you organize your house plans, getting municipal approvals, and ensure your application is perfect before submission

Key Steps for Builders

1. ​**Get a Quote: Obtain a formal building quote from an NHBRC-registered contractor.

1. ​Secure Finance: Get an "Approval in Principle" for a loan or prove you have the savings to cover the portion of costs the subsidy won't meet.

1. ​Apply for Subsidy: Submit your application via the National Housing Finance Corporation (NHFC) portal or a provincial Department of Human Settlements office.

1. ​Payment: The subsidy is paid directly to the builder or the financial institution—you do not receive the cash in your personal bank account