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OUR BRANCHES OUR AREAS OF FINANCE

GAUTENG JOHANNESBURG • 12th Floor, Libridge Building 8th Floor, Olivetti House • • Rouxville 25 Ameshoff street 100 Pretorius Street • Bellevue • Johannesburg CBD • Selby Cnr Pretorius & Schubart Str • • Springs CBD Johannesburg, 2001 Pretoria, 0117 • Benoni • Judiths Paarl • +27 (10) 595 9000 +27 (10) 595 9000 • Berea • Kempton Park CBD • Turf Club WELCOME • Bertrams • Kenilworth • • Bezuidenhout KWAZULU NATAL • Kensington • Westdene Valley • Krugersdorp • Witpoortjie 27th Floor, Embassy Building • Boksburg North • La Rochelle • TO TUHF 199 Anton Lembede Street • Braamfontein Durban, 4001 • Langbaagte • Brakpan +27 (31) 306 5036 • PRETORIA • Brixton • Marshall Town • Arcadia • City and Suburban • Melville • Capital Park CBD EASTERN CAPE • • Gezina CBD 2nd Floor, BCX Building • Fairview • Newtown • Hatfield 106 Park Drive • Florida • • Pretoria CBD St. George’s Park • Forest Hill • Orange Grove • Pretoria North CBD Port Elizabeth, 6000 • • Primrose • Pretoria West +27 (41) 582 1450 • Highlands • CBD • Silverton CBD • Highlands North • • Sunnyside WESTERN CAPE KWAZULU NATAL 5th Floor South Block, Upper East Side 31 Brickfield Road DURBAN • Montclair • Wentworth Woodstock, • Albert Park • Overport Cape Town, 7925 • Bluff • Pinetown Central PIETERMARITZBURG +27 (21) 204 8843 • Clairwood • Seaview • Pietermaritzburg • Durban Central • Umbilo Central • Jacobs • Warwick Avenue FREE STATE FINANCING 7 Collins Road EASTERN CAPE PROPERTY ENTREPRENEURS Arboretum PORT ELIZABETH • Sidwell • East London CBD Bloemfontein, 9301 • Central • Sydenham • North End East DOWNTOWN +27 51 011 8843 • Korsten London • North End EAST LONDON • Quigney • Port Elizabeth CBD • Arcadia • Southernwood • Richmond Hill • Belgravia • Uitenhage

WESTERN CAPE • Brooklyn • Salt River • Voortrekker • Observatory • Ysterplaat Corridor from • Rugby • Woodstock Koeberg to Bellville BLOEMFONTEIN 086 000 8843 (TUHF) • www.tuhf.co.za • [email protected] • Arboretum • Hamilton • Park Wes TUHF LIMITED, TUHF BRIDGE (PTY) LTD AND INTUTHUKO EQUITY FUND (PTY) LTD • Bloemfontein Central • Hilton • Universitas ARE REGISTERED CREDIT PROVIDERS. • Brandwag • Navalsig • Westdene © Copyright TUHF 2017. All Rights Reserved • Buitesig • Oranjesig • Willows OUR PRODUCTS HOW WE WORK OUR REQUIREMENTS

PROPERTY FINANCE TUHF ENTREPRENEURS: • Single loan facility over 15 years for acquisition and development • have a minimum of 20% of the total project cost to put down as equity • Prime-linked interest rate • have an honest and reliable character • Once-off raising fee • know the inner city • No monthly service fees STEP 1 STEP 2 • have the property management skills and network of contacts • Financial structuring such as grace periods to accommodate Select an inner city area in Find a building or site for their project’s size the property development and tenanting stages which you would like to invest. for a new building. • can provide good customer service and firm credit control • are proud of owning well-maintained, clean buildings FINANCING FOR: • will make sufficient profit • Purchase only – Finance for the acquisition of the property only. • have the interests of urban regeneration at heart No construction or refurbishment finance necessary. TUHF PROJECTS: • Purchase plus construction, including refurbishment – Finance for the acquisition of the property including construction work thereafter. STEP 3 STEP 4 • are in major city centres that are in urban decline • Construction only – Finance for refurbishment or a new build Identify the owner or agent and Contact TUHF to • are close to schools, transport systems and places of work project. No acquisition finance necessary. request building information. evaluate the project and • are economically sustainable - able to generate sufficient income • Conversion only – Finance for the conversion of office space or apply for finance. to repay expenses, as well as service the loan and make a profit light industrial to residential. No acquisition finance necessary. • will upgrade buildings in the selected inner city area providing • Equity release - A loan against increased or residual value of your affordable and decent residential rental units existing property towards the improvement or purchase of a property. • have a positive effective on the areas in which they are based. • Refinance - An increase on an existing loan or release of a third- party bondholder of the property. STEP 5 STEP 6 WHAT MAKES US DIFFERENT ? INTUTHUKO EQUITY FUND Credit review. Meet the conditions of the Starting with the entrepreneur’s own equity contribution, this fund approval & sign loan agreement. We walk right beside you on your property investment journey. provides the balance of the equity required to obtain Property Guarantees are issued. We provide advice in finding the correct building and area that’s Finance from TUHF. The fund is only available to previously a good fit for you. We support you regarding the decision- disadvantaged individuals for realising opportunities of first time making of your service providers such as building contractors property investment. and property managers. We also inspect the work and ensure everything is completed to the highest standard. BRIDGING FINANCE Our bridging finance loans are short term unsecured loans that STEP 7 STEP 8 assist you in covering short term expenses while acquiring the Registration of property takes Construction complete, rent property - such as obtaining the rates and clearance certificates, place. Construction starts when up, cyclical processes, loan covering the payment balance of the purchase price, construction construction compliances such as repayments & property loans and for the rehabilitation of sectional title projects in the plan approvals are met. management. medium term. Please keep in contact throughout the process. We can help you make informed decisions and support you with helpful information.