Before Construction
Upon approval a proof of plan (draft plan) will be sent to you. At this stage you are welcome to adjust the plan or request minor changes at no extra cost to you.
Should you require assistance or clarity, our Project Manager will assist with design suggestions and provide clarity on specification, general requirements, and other questions you may have.
You will be contacted to sign relevant Bond and Transfer documents with Attorneys, and CHD’s building documentation with a CHD representative. During this period, we will also discuss and finalise the plan of your new home. The required documentation will be submitted to the NHBRC, City Council and the financial institutions for approval, issuing of certificates and proceed to lodge the transaction for registration of the bond, and transfer of the land, at the Deeds Office.
During Construction
Unfortunately, these additions/alterations are not permitted, but special arrangements can be made with the Project Manager (conditional).
The bank needs to do their final inspection based on the project of the approved loan and builder/developer paid in full before additional work may commence
During the construction process the City Council’s building Inspector, the NHBRC, our Structural Engineer, the Bank, our Contractor and CHD’s own Project Manager inspects the property. This to ensure we adhere to the Engineer’s design specifications, and the NHBRC regulations and Bank’s requirements.
You are allowed to visit the site, but we request that this is arranged with CHD prior to your visit.
After registration, approval of the plan, issuing of the NHBRC enrolment certificate etc. construction will commence on your property. Construction may take four to five months to complete.
Please note that all timeframes may change due to finishes required and weather, material shortage, strikes etc. Please make sure we have all the correct contact details as you may receive updates on the construction progress during the construction process period.
When the construction is nearing completion, you will be contacted to meet a representative at your property to do the final inspection and to finalise required documents. These documents will be sent to the Bank so their valuator can do a final inspection and, in most cases, contact you, the client, to approve final payment. When final payment is received, we will contact you again, this time to collect the keys to your new home!
Copies of the Occupation Certificate, Electrical Certificate (COC) and the Approved Building Plan will be available upon request.
You will be contacted to sign relevant Bond and Transfer documents with Attorneys, and CHD’s building documentation with a CHD representative. During this period, we will also discuss and finalise the plan of your new home. The required documentation will be submitted to the NHBRC, City Council and the financial institutions for approval, issuing of certificates and proceed to lodge the transaction for registration of the bond, and transfer of the land, at the Deeds Office.
After Construction
Retentions are defects regarding the construction of the property you may notice after occupation of the property. This may be reported in writing by simply completing a retention form at your nearest CHD office or by sending an email to admin@chd.co.za with all relevant information.
Please note that the date on the Occupation Certificate is the date when the property was habitable, not the date when the property was occupied.
Retention periods (from date of Occupation Certificate):
- Hand-over retention (all items listed at the final inspection) – 7 days
- General retention (plumbing, electrical work including geyser element and settlement/surface cracks) – 3 Months.
- Roof leakages and geyser (tank only) – 1 Year.
- Structural defects (crack wider than 4mm) – 5 Years.
The full contract amount must be paid to the developer (or an arrangement made) before any retentions will be attended to.
You will be contacted to sign relevant Bond and Transfer documents with Attorneys, and CHD’s building documentation with a CHD representative. During this period, we will also discuss and finalise the plan of your new home. The required documentation will be submitted to the NHBRC, City Council and the financial institutions for approval, issuing of certificates and proceed to lodge the transaction for registration of the bond, and transfer of the land, at the Deeds Office.
General
This should be paid from date of registration.
CHD may open an account for metered services like Water, Sanitation, etc., but, although City Council will open an account for Rates and Taxes.
We advise the client to open his/her own Rates and Taxes account as delays in opening of this account (and payments) may increase balance when first statement/invoice is eventually received.
Yes, interim interest should be paid on any amount paid from the loan amount after registration of the bond.
Interim interest which is not serviced/paid will be deducted from the funds available to finance the construction of the dwelling, which will result in a shortfall when builder receives final payment.
We advise clients to contact the financial institution (Bank) to receive correct amounts payable at the end of every month as these amounts change daily.
