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How To buy a house
Assessment and pre - qualification
The first step in buying a new house is to assess what your requirements and preferences are i.e. size of land and unit, area, and affordability level.
To perform this pre – qualification, the following is required personal information.
- payslip,
- identity document,
- details of employer housing benefits (if applicable),
- if applicable, the same documentation will be required from your co-applicant.
Consultation
This consultation is structured to assess your specific needs and requirements.
- Your consultant will set up an appointment to discuss your credit profile and your level of affordability,
- Various options in terms of size and price of houses and stands will be discussed,
- A detailed breakdown of monthly repayments and obligations regarding this home-loan will be provided,
- Once an agreement is reached about the contract price, house-plans, etc, we may proceed to the next step.
Physical selection of property
Once you and your consultant have chosen the package best suited to you, he/she will physically escort you to the development area of preference where the stands will be shown to you.
- You will select a stand on which your application at the bank will be based.
- Your consultant will also show you a house like the one you have chosen as example.
- As all our houses are built according to your needs, the layout might be different, but the finishes will be the same.
Interviews & bank applications
The next step is signing the bank application forms which includes the following:
- Price structure
- Building contract
- Deed of Sale,
- House plan, schedule of finishes, NHBRC enrolment certificate, etc.
- We will ensure that all your documentation is included.
- Our consultant will explain the process in more detail concerning the bank application, attorney procedure, lodgement at the deed’s office and registration, plan approval, NHBRC enrolment and connection fees, construction, and occupation.
Bank submissions and approvals
- Your complete application is submitted to the bank via Comcorp.
- This is the crucial step – the bank will assess your application and will do a credit check, qualification calculation and affordability assessment.
- If your application is complete and supported with all the relevant documents, you stand a good chance of obtaining a loan.
- Once your application is approved, the bank issues an approval letter and instructions to the attorneys to draw up the necessary legal documentation for your building loan to be registered.
Instruction and registration
After approval and instructions, the attorneys will proceed to prepare the necessary documentation.
These legal documents consist of two parts:
- The first part is the transfer of the specific property into your name,
- Register a bond in favour of the bank over the property,
- You will be required to sign these documents with the attorneys, who will then proceed to lodge these at the deed’s office for registration.
Construction
- On registration, Trustgro will commence with the construction process.
- Our team of professional project managers will supervise the whole process on your behalf.
The process includes the following:
- The architect prepares your plans as selected with any special requests that you might have. This plan is then submitted to the local authority for approval.
- All connection fees i.e. water and electricity are paid by Trustgro at the local authority.
- On approval of you plan, we apply for your NHBRC certificate.
- Now we are ready to register your transaction.
- Construction can commence after registration
- Numerous quality checks are performed during the construction process, including those by the structural engineer, Council inspector, the NHBRC, our own project managers and valuators employed by the relevant bank.
Occupation
- On completion, our project manager will contact you to do the handover,
- Your agent will arrange to meet you at the property and perform a final inspection with you as the owner. Defects, if any, will be attended to before occupation.
- A three-month retention period is applicable, after which time all latent defects will be rectified to your satisfaction.
Talk to an agent
Our developments
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- Modern design
- Unrivalled accessibility
- Cosmopolitan living
- Own garden
- Close to Shops, Schools, Entertainment
- Complete Structural Plans
This development is situated in Mid Vaal with close access to schools, transport and great shopping experiences. Quality, well-priced homes with big stands and opportunity to add more features at a low cost.
NOW SELLING
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- Unrivalled accessibility
- Cosmopolitan living
- Own garden
- Close to Shops, Schools, Entertainment
- Complete Structural Plans
This development is located to the west of Soweto, to the north of Protea Glen and to the south of Slovoville, forming a natural western extension of Soweto. The development was planned to physically, economically and socially integrate with Soweto.
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Alliance Modderbee
- Modern design
- Unrivalled accessibility
- Cosmopolitan living
- Own garden
- Close to Shops, Schools, Entertainment
- Complete Structural Plans
This development is situated in Benoni. This area, alongside Springs and Brakpan, with quick access to the N12 Highway, is central and has several good schools nearby, as well as various large retail centres.
NOW SELLING
- Modern design
- Unrivalled accessibility
- Cosmopolitan living
- Own garden
- Close to Shops, Schools, Entertainment
- Complete Structural Plans
This development is situated in Lenasia South and is very close to all amenities such as Lenmed Hospital and Trade Route Mall (within 4km’s). It is also located close to the N12 Highway for quick access to all major centres.
NOW SELLING
- Modern design
- Unrivalled accessibility
- Cosmopolitan living
- Own garden
- Close to Shops, Schools, Entertainment
- Complete Structural Plans
This development of Tirong is situated in the north of Johannesburg close to Cosmo City. Tirong is well located for work opportunities in adjacent Kya Sand area as well as the Cosmo City commercial township. It is within 2 km of the Cosmo Mall, a large new shopping centre adjacent Cosmo City.