What we offer to employers
In the short term, SAHC’s primary customer focus is employers who have the vision, wisdom and resources to provide employee housing schemes and assistance. Our aim is to provide a total turnkey solution to facilitate and manage this non-core aspect of your business.
What we offer to employers
The underlying philosophy of the SAHC is that acquiring a home must be a life changing experience for every employee – not only in terms of improving their families living conditions, but because they are fundamentally empowered by managing their housing process and achieving their planned results.
The SAHC offers a unique housing service that is specifically focused on employees working for large public and private sector employers. The SAHC has a particular focus on employees earning below R20,000 per month and has a deep understanding of the needs of such employees and the housing market within which they transact. In addition the SAHC understands how housing markets work both in urban and rural areas, as well as the financial challenges that employees face and has developed methodologies and processes to enable employees to overcome them.
- The SAHC support process is based on two key underlying principles.
- Employees are responsible for and must own (take full responsibility for) their decisions
- The housing transaction should enhance and not undermine or threaten the employee’s financial sustainability.
In particular SAHC has developed numerous, proprietary services to enhance the employee’s ability to pursue their housing aspirations cost effectively and at the same time mitigating many of the risks inherent in the affordable housing market:
- One on One Advisory Engagements in the preferred language of employee
- Special interactive financial sustainability tools
- Interactive building cost estimating tools
- Personalised housing action plans setting out the desired affordable house, the preferred location and house transaction and any prior interventions required to resolve creditworthiness inhibitions to implementing the action plan
- Developed business processes to assess and resolve individual employee creditworthiness challenges
- SAHC business processes for assessing the feasibility and desirability of proposed housing transactions
- SAHC business processes to support employees in successfully completing a housing transaction
- Post housing transactional monitoring and engagement process .
Furthermore the SAHC has a detailed understanding of a wide range of housing related financial products available both in South Africa and internationally and where necessary will engage with credit providers to develop new products to meet the needs of their members.
While the SAHC offers specific services and operates within a defined operational processes it is focused on meeting the needs of each employer and employee. Within the SAHC there is a high degree of flexibility and a focus on understanding the particular needs and circumstances of an employer and each of their employees and providing its service in a manner that will best meet these needs.
What we offer to employees
SAHC’s pioneering and innovative process enables employees to enjoy the unique benefits of their particular company’s housing programme, ensuring that ownership is realistic, sustainable and with minimal risk to the individual. We manage this process on a one-to-one personalised basis through the support of a dedicated Housing Advisor and call centre.
What we offer to employees
The SAHC works with employees, on an individual basis, to identify a feasible housing solution. The appropriate housing solution could be the purchase or build of a new home, the upgrade or completion of an existing home or even a rental solution. The final housing decision is made by the employee and based upon their personal requirements and financial capability. The pathway towards this goal is mapped carefully and is tailored specifically for the circumstances of each employee. Most importantly the employee is taken along this pathway with the personalized assistance of a SAHC Housing Advisor who becomes their ally, coach and guardian from start to finish.
×What we offer to employers
In the short term, SAHC’s primary customer focus is employers who have the vision, wisdom and resources to provide employee housing schemes and assistance. Our aim is to provide a total turnkey solution to facilitate and manage this non-core aspect of your business.
What we offer to employers
The underlying philosophy of the SAHC is that acquiring a home must be a life changing experience for every employee – not only in terms of improving their families living conditions, but because they are fundamentally empowered by managing their housing process and achieving their planned results.
The SAHC offers a unique housing service that is specifically focused on employees working for large public and private sector employers. The SAHC has a particular focus on employees earning below R20,000 per month and has a deep understanding of the needs of such employees and the housing market within which they transact. In addition the SAHC understands how housing markets work both in urban and rural areas, as well as the financial challenges that employees face and has developed methodologies and processes to enable employees to overcome them.
- The SAHC support process is based on two key underlying principles.
- Employees are responsible for and must own (take full responsibility for) their decisions
- The housing transaction should enhance and not undermine or threaten the employee’s financial sustainability.
In particular SAHC has developed numerous, proprietary services to enhance the employee’s ability to pursue their housing aspirations cost effectively and at the same time mitigating many of the risks inherent in the affordable housing market:
- One on One Advisory Engagements in the preferred language of employee
- Special interactive financial sustainability tools
- Interactive building cost estimating tools
- Personalised housing action plans setting out the desired affordable house, the preferred location and house transaction and any prior interventions required to resolve creditworthiness inhibitions to implementing the action plan
- Developed business processes to assess and resolve individual employee creditworthiness challenges
- SAHC business processes for assessing the feasibility and desirability of proposed housing transactions
- SAHC business processes to support employees in successfully completing a housing transaction
- Post housing transactional monitoring and engagement process .
Furthermore the SAHC has a detailed understanding of a wide range of housing related financial products available both in South Africa and internationally and where necessary will engage with credit providers to develop new products to meet the needs of their members.
While the SAHC offers specific services and operates within a defined operational processes it is focused on meeting the needs of each employer and employee. Within the SAHC there is a high degree of flexibility and a focus on understanding the particular needs and circumstances of an employer and each of their employees and providing its service in a manner that will best meet these needs.
What we offer to employees
SAHC’s pioneering and innovative process enables employees to enjoy the unique benefits of their particular company’s housing programme, ensuring that ownership is realistic, sustainable and with minimal risk to the individual. We manage this process on a one-to-one personalised basis through the support of a dedicated Housing Advisor and call centre.
What we offer to employees
The SAHC works with employees, on an individual basis, to identify a feasible housing solution. The appropriate housing solution could be the purchase or build of a new home, the upgrade or completion of an existing home or even a rental solution. The final housing decision is made by the employee and based upon their personal requirements and financial capability. The pathway towards this goal is mapped carefully and is tailored specifically for the circumstances of each employee. Most importantly the employee is taken along this pathway with the personalized assistance of a SAHC Housing Advisor who becomes their ally, coach and guardian from start to finish.
×5 Good reasons to use us
Experience
Our collective experience is well in excess of 100 years, addressing every aspect of home ownership and customer satisfaction. The combined skills of our permanent and contracted staff as well as our array of retained specialists provides our Clients, both employer and employee alike, with affordable and unsurpassed access to a knowledge base that is quite unique.
×Experience
Insight
The level of insight provided ranges from a sound understanding of meeting the employer’s needs, whether it relates to governance, ethics or reporting requirements to true appreciation of the challenges facing the employee, commonly ranging from debt consolidation to lack of housing stock or the inability to raise finance. Our structure, reporting and management tools and techniques mirrors that of your organisation at every level to ensure that the outcome is on a win:win basis for employer and employee alike.
×Insight
Unique Toolkit
Whilst many seemingly competitors to SAHC may claim to offer similar services, the tools that we have developed are the result of the collective experience and insight that we have accumulated over decades. Our toolkit incorporates every phase of the interactive process from the initial analytics and evaluation phases through to the “post instalment” of the employee into their new or completed homes. Whilst our toolkit and processes are proprietary, they are at the same time sufficiently flexible to accommodate an employer’s unique needs based on the structure and nature of their scheme.
×Unique Toolkit
Customer Focus
Balanced best describes our approach to customer focus. After all not only do we need to ensure that the employer and employee are equally satisfied with our facilitation but our ability to deliver the most satisfactory outcome means that we have to motivate every materials provider, builder, inspector, financier and a wealth of other third party providers, to treat our customers with the same level of preferred status.
×Customer Focus
Objectivity
A core operating principle of SAHC is that we do not ourselves supply any housing projects or products or provide any financial services. We also do not accept commissions for recommending any product or service to the employees who participate in the SAHC support programmes.
Any discounts received are disclosed and passed on to our members.
Consequently any recommendations or advice we provide is in no way influenced by SAHC commercial interests.
×Objectivity
Live Projects
Our work with PPC began in 2013 developing an intervention support framework together with PPC’s management. This framework outlined the basis by which PPC would support its employees to access home ownership. Whilst the planning phase began in September the roll out began in ernest in May 2014. Of a total of 471 employees who qualified, 246 have elected to participate in this first phase of implementation. In just more than a year’s period 37 have completed their housing transactions and are now proud homeowners and a further 61 are in various stages of a housing transaction process ranging from pre funding inspections right through to awaiting bond approvals or are in mid project.
The programme was developed and finalized with De Beers Consolidates Mines (DBCM) and De Beers Siteholder Sales South Africa (DBSSSA) in November 2014 with the implementation and roll out kick starting in May 2015. A total of 439 employees were identified as eligible for the programme of which 228 have elected to participate. Three employees are already enjoying the benefits of completed installations.