Rural Housing Loan Fund (RHLF)

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10 South Boulevard
Mpumalanga  2026
South Africa
+27 11 621 2513
+27 11 621 2520
Email contact form

Rural Housing Loan Fund (RHLF)

The RHLF's core business is providing loans, through intermediaries, to low income households for incremental housing purposes. Incremental housing is a people driven process; and RHLF's core business is to empower low income families in rural areas to access credit that enables them to unleash the potential of their self help, savings and local ingenuity to build and improve their shelter over time.

RHLF was a incubated within the NHFC and remained part of the organization as a subsidiary until 31 March 2002. From 1 April 2002 it became a separate entity. The Rural Housing Loan Fund has channeled funds to homeowners in dozens of rural areas in all 9 provinces in South Africa through 20 medium and small retail lenders.

RHLF’s mandate is to facilitate housing loans for low income people who are building in the rural areas, including on communal land. RHLF is a social venture capital fund. Traditionally RHLF has facilitated loans for rural housing through approved housing lenders who are willing and able to on-lend to people who want to build and improve their living conditions in rural areas. In addition, RHLF has invested in a number of its approved intermediary lenders. RHLF is also embarking on new strategic directions to enhance greater housing impact at much lower cost of credit.

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