Whether the Government had any engagement with the banking and housing sector to define (a) stakeholder involvement and (b) the role in the disbursement of the proposed guarantee fund of R1 billion to incentivise the private banking and housing sector to develop new products to meet the housing demands; if not, what is the position in this regard; if so, (i) how will such an incentive be implemented and (ii) to what extent is it in line with the banking charter on providing access to credit?