Before listing your home for sale, make sure you’ve got all your paperwork and legal requirements in order. Here’s a clear checklist to help you prepare:

1. FICA Compliance

Have your ID and proof of residence (not older than 3 months) ready. These documents are required for compliance with South African financial regulations.

2. Bond Cancellation

If your property is bonded, you’ll need your bond account details. Make sure you’ve notified your bank to cancel the bond, as they may have notice periods that can affect transfer timelines.

3. Title Deed

For unbonded properties, ensure you have the original title deed available. Without it, transfer can’t proceed.

4. Marital Status

Confirm your marital status and supply supporting documents if applicable (especially if married in terms of foreign law, divorced, or widowed). This affects legal signing requirements.

5. Sequestration or Liquidation

If you or your spouse are currently or previously sequestrated or liquidated, disclose this upfront. It may affect the sale and transfer process.

6. Compliance Certificates

The following certificates must be up to date:

  • Electrical Certificate (not older than 2 years, or re-inspected if older)

  • Beetle Certificate (if applicable — typically coastal regions)

  • Gas Certificate (for properties with gas installations)

  • Plumbing Certificate (mandatory in Cape Town)

7. Latent Defects & Zoning

Disclose any known defects (leaks, cracks, structural issues). Verify your property’s zoning to ensure it reflects the intended use.

8. Tax Clearance

If you are a non-resident and the sale price exceeds R2 million, withholding tax may apply. It’s advisable to consult with a tax professional beforehand.

9. Lease Agreements & Special Levies

If the property has tenants, provide the lease agreement. If sectional title, confirm whether there are special levies payable. Remember: any levies raised before transfer are usually for the seller’s account unless agreed otherwise.

10. Company or Trust Sales

For company- or trust-owned properties, ensure all resolutions, FICA documents, and supporting paperwork are in place for the sale.

11. Rates, Taxes & Title Conditions

Confirm that rates, taxes, and municipal accounts are up to date. Also, check for any restrictive title conditions that could impact future use or development.

 

Selling your home involves more than just finding a buyer. Being well-prepared with the correct documents and disclosures helps ensure a smooth transfer — and avoids unnecessary delays or surprises along the way.