Better Housing Finance Solutions

Our Offered Financial Products & Services

Rural Loan (PTO)
Risima Offers
  • 100% home loans to Government employees; and
  • 90% to private sector employees.

Salient Features
  • The maximum loan duration is up to 30 years.
  • Loan amount from R50,000 to R1 m.
  • Variable Interest is linked to the prime lending rate.

Product Offering
  • Purchase of an existing house and building package

Urban Loan
Risima Offers
  • 110% home loans to Government employees and
  • 90% to private sector employees.

Salient Features
  • The maximum loan duration is up to 30 years.
  • Loan amount from R50k to R2,5m.
  • Variable Interest is linked to the prime lending rate.

Product Offering
  • Purchase of an existing house or Purchase of a site.
  • Turn-key building package.
  • Switching bond new building loan.

Incremental Loan
Risima Offers
  • Insured home loans to qualifying low- and middle-income homeowners to improve their housing condition on an incremental/gradual basis.

Salient Features
  • The maximum loan duration is up to five years.
  • Loan amount from R 10k to R250m.
  • Variable Interest is linked to the prime lending rate.

Product Offering
  • 80% of the loan amount is payable directly to the building material suppliers.

Solar Energy Loan
Risima Offers
  • Solar finance for clean, affordable energy.

Salient Features
  • Unsecured loan form R50k up to R200k.
  • Maximum loan period is five years.
  • Interest is variable and linked to prime.

Educational Loan
Risima Offers
  • Student Loan Finance to eligible, qualifying clients.

Salient Features
  • Study loan of up to R150k for five years.
  • Our interest rates are variable and linked to the prime rate.

Not sure which option fits your needs —
Talk to a Risima advisor

Call Us (015) 493 1979