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Sectional Title Finance, Sectional Title Loans, Body Corporate Finance, Body Corporate Loans

Who we are and how we can help you

ZDFin is a specialist finance company providing smart solutions for residential juristic entities, be they Sectional Title Bodies Corporate, Home Owners’ Associations or Share Block companies.

All Community Schemes are affected – these are defined per the Community Ombud Service Act (including non-profit companies & voluntary associations governed by a constitution).

New legislation came into effect in October 2016 and gave some direction to property schemes especially insofar as budgeting is concerned. But the practical reality is that schemes are still challenged in raising adequate reserves to fund large maintenance and capital projects, which may or may not form part of their 10-year maintenance plans.

Rising levels of indebtedness, exacerbated by a weak economy, are also compromising the ability of schemes. Their financial wellbeing is under threat and often funds ring-fenced as reserves – as per legislative directive – are utilized out of necessity to fund administrative shortfalls.

At the end of the day, schemes have to carry out both routine and planned maintenance and costs spiral out of control, which leads to the erosion of value for owners.

ZDFin has a wealth of practical experience in property and financial management. We understand these challenges. Our financial products address a range of challenges and can be tailor-made for your scheme.

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THE SMART FINANCE COMPANY FOR (ALL) COMMUNITY SCHEMES

ADDING VALUE, ONE SOLUTION AT A TIME

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Sectional Title Finance, Sectional Title Loans, Body Corporate Finance, Body Corporate Loans

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While the new legislation that was promulgated and came into effect on the 7 October 2016 gives some direction to specifically sectional title bodies corporate insofar as budgeting is concerned (this through the Sectional Title Schemes Management Act; as implied not the case for homeowners’ associations or share block companies), the practical reality is schemes are still challenged in raising adequate reserves to fund large maintenance and capital projects, these which may or may not form part of their 10-year maintenance plan(s).

Ongoing and increasing levels of indebtedness, exacerbated by a weak economy, are also compromising the ability of schemes’ financial wellbeing and often funds ring-fenced in the scheme’s reserve fund – per legislative directive – are utilized out of necessity to fund administrative fund shortfalls which further compromises the ability of the scheme to carry out both routine and planned maintenance which, ultimately, leads to the erosion of value for all owners alike.

ZDFin, with a wealth of practical experience in property and property financial management, understands these challenges; our financial product range has been formulated, is and remains tried and tested, to address a range of financial challenges all tailor-made for your scheme.

RESTORATION OF VALUE FOR ALL OWNERS

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Licenses & Member Associations

Sectional Title Finance, Sectional Title Loans, Body Corporate Finance, Body Corporate Loans

The mission of the National Credit Regulator (NCR) is to support the social and economic advancement of South Africa by regulating for a fair and non-discriminatory market place for access to consumer credit; and promoting responsible credit granting and credit use, and effective redress. (https://nationalgovernment.co.za/units/view/126/national-credit-regulator-ncr)

The FSCA is the market conduct regulator of financial institutions, that provide financial product​s and financial services, financial institutions that are licensed in terms of a financial sector law, inclu​ding banks, insurers, retirement funds and administrators, and market infrastructures. ​(https://www.fsca.co.za/Pages/Vision-and-Mission.aspx)

Sectional Title Finance, Sectional Title Loans, Body Corporate Finance, Body Corporate Loans
Sectional Title Finance, Sectional Title Loans, Body Corporate Finance, Body Corporate Loans

NAMA is a voluntary, Non-Profit organisation that promotes and advances the interest of Managing Agents and Community Scheme Management in South Africa.  (https://nama.org.za/)

PLANNING AND FINANCING REQUIRES SPECIALIST SKILLS, FROM ENGINEERING TO ACCOUNTING.

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Sectional Title Finance, Sectional Title Loans, Body Corporate Finance, Body Corporate Loans
Sectional Title Finance, Sectional Title Loans, Body Corporate Finance, Body Corporate Loans
Sectional Title Finance, Sectional Title Loans, Body Corporate Finance, Body Corporate Loans
Sectional Title Finance, Sectional Title Loans, Body Corporate Finance, Body Corporate Loans
Sectional Title Finance, Sectional Title Loans, Body Corporate Finance, Body Corporate Loans
Sectional Title Finance, Sectional Title Loans, Body Corporate Finance, Body Corporate Loans
Sectional Title Finance, Sectional Title Loans, Body Corporate Finance, Body Corporate Loans
Sectional Title Finance, Sectional Title Loans, Body Corporate Finance, Body Corporate Loans

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    14 Kingswood Crescent
    Riverclub
    Sandton
    Gauteng
    2149