Her gün binlerce kullanıcının bahsegel giriş giriş yaptığı, yüksek performanslı sunucularıyla kesintisiz erişim sağlar.
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Dijital ortamda kazanç sağlamak isteyenler Casinomhub sistemlerini tercih ediyor.
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Rulet, blackjack ve slot oyunlarını deneyimlemek için bettilt sayfasına giriş yapılmalı.
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Avrupa’da bahis oynayan kullanıcıların %40’ı ortalama haftada iki kez oyun oynar ve bettilt güncel link bu ritme uygun promosyonlarla hizmet verir.
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Türk bahis severler en çok Avrupa futbol liglerine ilgi gösterir, bettilt giriş adresi geniş maç arşiviyle hizmet verir.
The Government Institutions Pension Fund (GIPF) is proud to introduce the Pension Backed Home Loan Scheme (PBHLS) – a groundbreaking initiative designed to help active members unlock their housing dreams. With PBHLS, your pension savings act as collateral, giving you access to finance for purchasing land, building, or improving your home, while protecting your retirement future.
What is the PBHLS?
The Pension Backed Home Loan Scheme (PBHLS) allows active GIPF members to borrow up to 33.33% of their pension credit (withdrawal/ transfer benefit) as collateral for a housing loan. Unlike traditional mortgages, no bond is registered over your property – instead, your pension serves as the guarantee.
This innovative scheme makes it possible to:
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Purchase a new home
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Buy land (in proclaimed or unproclaimed areas)
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Build a new home
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Renovate or improve an existing property
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Transfer or settle an existing home loan with another bank or fund
Why Choose PBHLS?
- Access housing finance without waiting for retirement
- No property bond required – your pension acts as collateral
- Flexible repayment – up to 20 years or until retirement
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Competitive interest rate – Repo rate 6.50% + 2.5% (currently 9.00%)
- Retirement security – designed to ensure your pension benefits remain protected
- Nationwide access – applicable in both proclaimed and unproclaimed areas
Who Qualifies?
The PBHLS is available to:
- All active qualifying GIPF members (currently employed and contributing monthly to the Fund)
- Members with sufficient pension credit t o qualify for the minimum loan of N$5,000
- Members whose total salary deductions will not exceed one-third of their earnings (as required by law)
The application process
KULENI FINANCIAL SERVICES
- Obtain your Benefit Statement by sending an email to: pensionhomeloan@gipf.com.na (The Robot), and provide your employee code.
- Obtain, complete and submit application forms via your respective Human Resources (HR) Offices or via the Kuleni Financial Services website.
Kuleni Financial Services (Pty) Ltd | Tel: +264 61 205 1757 | Email: homeloan@kuleni.com.na | www.kuleni.com.na
FIRST CAPITAL TREASURY SOLUTIONS
- Obtain your Benefit Statement by sending an email to: pensionhomeloan@gipf.com.na (The Robot), and provide your employee code.
- Obtain, complete and submit application forms at the FCTS offices in Windhoek, Ondangwa, Katima Mulilo and Swakopmund or through the online portal on their website.
First Capital Treasury Solutions | Tel: 061-446700/061-426400 | Cell: 081 772 2949 | Email: homeloan@firstcapitalnam.com | www.firstcapitalnam.com
No application forms to be collected or handed in at GIPF offices for both administrators
Loan Terms
- Maximum Loan Amount: 33.33% of your pension credit
- Minimum Loan Amount: N$5,000
- Interest Rate: Repo rate 6.50% + 2.5% (currently 9.00%)
- Repayment Period: Up to 20 years or until retirement, whichever is shorter
- Repayments: Monthly instillments including capital and interest
What Can the Loan Be Used For?
What the Loan Cannot Be Used For?
Media Resources
Watch the PBHLS Explainer Video (Coming Soon)
Listen to the PBHLS Podcast (Coming Soon)
Frequently Asked Questions (FAQs)
Your pension benefits serve as a guarantee for the loan. No bond is registered over your property.
- On resignation: the outstanding loan is deducted from your pension credit.
- On retirement: the loan should be fully repaid before retirement age.
- On death: the outstanding loan is deducted from your pension credit before benefits are paid to beneficiaries (members are encouraged to take life cover).
Up to 33.33% of your pension credit, provided deductions do not exceed one-third of your salary.
- Benefit statement from GIPF
- Certified ID copy
- Latest payslip
- Quotation signed by service provider and member
- Deed of sale / title deed (if applicable)
- Certificate of customary land right (for unproclaimed areas)
- Additional documents if refinancing or as requested by administrators
The PBHLS is administered by First Capital Treasury Solutions and Kuleni Financial Services, appointed through a transparent selection process.
For more info
Have questions about the Pension Backed Home Loan Scheme?
Fill in the form below and KULENI FINANCIAL SERVICES will get back to you.
Have questions about the Pension Backed Home Loan Scheme?
Fill in the form below and FIRST CAPITAL TREASURY SOLUTIONS will get back to you.
Secure Your Future, Build Your Home
With the Pension Backed Home Loan Scheme, your pension becomes the key to affordable housing. Take the first step towards owning or improving your home, without compromising your retirement security.