If you meet all the requirements, you can apply for a government subsidy, but you must first apply for a home loan. You used to have to apply for a home loan and have the application approved before you could apply for FLISP, but as of April 2022, this is no longer necessary. You can now use other sources of finance to apply, including: • The beneficiary’s pension/provident fund loan. • A co-operative or community-based savings scheme, i.e. stokvel. • The Government Employees Housing Scheme. • Any other Employer-Assisted Housing Scheme. • Certified copy of the deed of sale. • An unsecured loan. • An Instalment Sale Agreement or Rent-to-own Agreement. • You can then discuss an application with your financial institution, contact the nearest municipality for advice, or submit an application form at the Department of Human Settlements.