1: What are the sizes of the houses and how much do they cost?
The sizes vary from 40m2 to 80m2. Please go to the gallery to view the different options available.

2: Amount of deposit payable?
No deposit payable should you qualify for a 100% housing loan.

3: Will I be liable for any additional cash payments?
No. Trustgro pays for all local authority fees (plan approval, water, electricity and consumer deposits and connection fees).

4: What is the amount of the housing loan that I qualify for?
The banks impose a 30% limit of your monthly gross salary as the maximum monthly repayment. Please refer to the bond calculator for assistance.

5: What would my monthly instalment be?
Go to the bond calculator for an easy and convenient tool to help you calculate your monthly instalment.

6: What is the term of the loan?
Typically, 20 years. It is also possible to obtain loans for 25 or 30 years. The banks may restrict you to 10 years, should you be older than 55 years.

7: Could my status with a credit bureau, for example TransUnion, influence my application?
Yes. All outstanding debt and judgments should be settled, and a clean ITC record obtained before the bank will grant a housing loan.

8: Do I start repaying my loan upon registration of the bond?
No, Trustgro bears the accrued interest during the construction period. You will only start paying once you take occupation of the property.

9: How am I protected by the National Home Builders Registration Council (NHBRC)?
Your house will be enrolled with the NHBRC. This will entitle you to apply to them for assistance to certify a major structural defect in certain circumstances.

10: Should I obtain insurance to cover my bond/housing loan?
It is compulsory -in the event of your death; your house will be fully paid for, enabling your family to remain in the house. They will merely have to maintain payments for electricity, water, and rates.

11: How long before I can move in?
You should typically allow 4 months from the time of registration of your bond. Delays in obtaining Council approval for plans, water, and electricity connections could however add to this period.

12. What happens with my municipality account after registration.
You are liable to start servicing your municipality account (rates & taxes, water and electricity, and refuse availability)