Qualification - Do I qualify?

In order to qualify for an uMastandi loan you would need the following:

  1. To be in the right area - selected townships in Gauteng and parts of Cape Town. Contact at us at info@umastandi.co.za for details on the specific qualifying areas.
  2. To be a home owner and have a Title Deed
  3. A good Credit record
  4. Enough yard space to build


We will work with you to properly design, do costing and help write an application for financing. At the end of this planning, you will be able to answer these questions:

  1. How many units should I build with how many ablutions (toilet, shower and kitchen facilities)?
  2. How does the layout fit on my property?
  3. How much will it cost to build?
  4. How will I repay the loan?
  5. What will my running costs be?
  6. How much profit will I make?


  1. Apply to uMastandi for finance
  2. Credit approval
  3. Meet the conditions of the approval & sign the Loan Agreement
  4. Construction Planning

Building my Rental Business (Construction )

We will support you to have your plans approved by the relevant municipality and help you with the following:

  1. Finding a builder
  2. Signing a contract
  3. Building in stages
  4. Completing construction

Property Management

Once construction is complete, you will be able to:

  1. Sign up & manage your tenants
  2. Manage your property
  3. Pay off your loan
  4. Make your profit