You may borrow up to 80% of your after-tax withdrawal benefit for the purposes of purchasing a home, or for renovations to the home that you currently own. The housing loans are provided through FNB and the interest rate is linked to the prime lending rate. Clearly, you have to build up sufficient funds in your Fund Credit before you can borrow from the Fund. Your Fund Credit acts as a guarantee for the loan. The contact details for the housing loan representative in your region and the application form can be found on Imbizo.