Confused and disappointed

I am writing here confused about the process and requirements when applying for zakhelikhaya home finance subsidy. According to them they say you qualify is you earn from R3501 to R 22000 per month.what is not clear is that do they consider a basic salary or net income.

In my case my basic salary is R 20316, housing allowance R 1783.55, my deductions R 5850.79 and my net income ( what I survive with) R16249.76. but I was declined twice first application date is 25 January 2025 and the second 16 February 2025. E made my application at Elukwatini cash built