hmmm, re read my post and even I am confused.
Simple rules.
If you rent above or below RFZ just put aside 16.5% of your actual salary/13th month/edn allowances and you will cover your tax liability.
If you are a purchaser, then assume you need to put away 15% of your salary/13th month/edn allowance AND housing assistance and your tax liability will be covered.
Clearer than slightly muddied water?