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Sectional title property schemes in South Africa explained

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Sectional title property schemes in South Africa explained

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Sectional title properties refer to a specific form of ownership. An individual may own a section or unit of a larger building or shared residential development. In addition to this ownership, they also have a vested interest in the common areas of the property such as gardens, swimming pools and parking bays which are shared among the other sectional title owners. 

Sectional title property schemes are a popular option for many buyers across the world. It fosters a sense of community and safety that is important to maintain in an expanding, busy society. Many South Africans prefer investing in sectional title property schemes in upmarket areas. Gated communities and elite lifestyle estates offer on-site amenities which make them a modern, convenient choice for parents with young families or retirees

How is my ownership outlined?

Purchasing a unit in a sectional title property scheme entitles you to full outright ownership of your specific property. It encompasses your home's complete square footage, including areas on your property such as visible balconies, outdoor entertainment areas and your garden. Your sectional title document will outline the details your individual property entails and the shared boundaries of the common property area. Your sectional plan is registered with the Deeds Office and is legally binding. 

What about shared ownership? 

Your portion of ownership in the communal property entails its separate rights and responsibilities. Common property may include all parts of the complex that aren’t part of individual units such as recreational facilities and amenities like parks and leisure centres, corridors and walkways. Exclusive use areas include areas that are intended for the use of a specific owner i.e. reserved parking bays or allocated parking spaces within the sectional title scheme. 

What does my levy cover? 

Levies are required to be paid to the body corporate of your sectional title property scheme each month. These levies cover maintenance costs, managing the estate/complex and providing adequate security and safe infrastructure for all residents. 

Sectional title homeowners would be wise to budget for levy contributions in their monthly expenses. Levy amounts vary depending on the size of the property, the maintenance services offered and the available amenities. It’s important to choose a sectional title property which you can comfortably afford as special levies may also apply. This includes unexpected expenses such as repairs or upgrades to the sectional title property. 

Why do we need a body corporate? 

As a sectional title homeowner, you automatically become a member of the body corporate. It consists of all owners living in the estate/complex/building. The group selects a board of trustees who are responsible for ensuring that the rules and regulations of the sectional title are met and all finances are up-to-date, along with the management of the property. The trustees play an integral role in ensuring that daily operations are carried out. 

What should I prioritise before investing in a sectional title property? Do your due diligence: make sure the property meets your requirements for a residential area. Your home is the most important decision and should always be approached with clear thought and consideration. 

Review the figures: contact the body corporate to understand the financial standing of the sectional title. Ensure you will not be responsible for outstanding debts etc before committing. 

Understand the rules: request a copy of the regulations all owners have to abide by to decide if you can stick to the policies i.e. pet ownership. 

Inspect the area: apart from your specific unit, make sure the conditions match your standards. Look for well-maintained sectional title options that speak to your expectations. 

REALGLEN Properties has several ideal sectional title property options available. Simply contact one of our trusted professionals and we will help you find the right home for you and your family. 

Author REALGLEN Properties
Published 28 Feb 2025 / Views -
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