Rural Housing Loan Fund SOC NPC (RHLF) was established in 1996 by the national Department of Housing, South Africa with initial grant funding from the German development bank, KFW. RHLF was set up as a wholesale development finance institution with the mandate of enabling low income earners to access small loans that they could afford to repay. Borrowers use these loans to incrementally improve their housing conditions.
As a wholesale finance institution, RHLF facilitates housing micro loans through intermediaries who may be retail, community based or NGO housing finance lenders. These partners borrow funds from RHLF and on-lend to individual borrowers throughout the rural areas of South Africa, including small towns and secondary cities. Our intermediary lenders enable RHLF to reach all nine provinces of South Africa efficiently.