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The problem is that it is only the title deed that can prove that your father-in-law was the legal owner of the RDP house. The municipality should have his application though.
You can only register and be given a tax number by reporting at a SARS office.
There are four steps to follow to submit a claim.
If the estate is under R250k you can distribute your father's assets. If it is worth more the process is considerably more complicated.
There are several different ways of buying municipal land.
You could take your mother to Legal Aid and ask them to approach the court for a declaratory order that your mother is the legal owner of the house.
If one of the parents is South African, the girls are automatically South African citizens.
Unfortunately, although government said in 2015 that they were considering extending the grant for people still at school, this did not happen.
You should notify the bank that you intend to defend yourself on the grounds of reckless lending.