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South African Home Loans 

Are you a first-time buyer in the market for a new house or apartment?  Perhaps you are an existing property owner looking to get in on the property market while the going is good?  Or perhaps you are looking to remortgage your existing property with the aim of extending or refurbishing? 

Whichever the case, whatever the scenario, the vast majority of South Africans do not have the available money to finance these endeavours by themselves, and so have to find an alternative financial solution.  This solution, then, generally falls into one category - the home loan.

For many South Africans those two words represent a financial 'limbo', where they are tied into repayment after repayment, with the 'light' awaiting them at the end of that financial tunnel of property ownership seeming unreachable in the many years ahead. 

But that doesn't have to be the case at all, for in the eyes of most South Africans, owning a house, or even an apartment in a urban or suburban high-rise, is a statement of independence and of material security, an indication of their ambitions in life, or a stable environment in which they can start their own family.

Thus, for the great many of us who are not lucky enough to be able pay for the property upfront in cash, a home loan is one of those necessities in life that we all need to plan for, and which, in itself, can become a symbol of our responsibilities to our life and our family.

In this regard, more and more South African banks and other financial institutions and service providers are offering easy to follow, financially viable home loan plans that enables you, the home owner, to feel secure in the knowledge that your primary asset:  your house or apartment, is indeed, yours, from the moment you sign the purchase deeds.

With the credit act firmly in place within South Africa's financial market, South Africa's four major banks, ABSA, Standard, First National and Nedbank, and indeed, any financial service providers, like Sanlam or Bond Choice, acknowledge their responsibility to you, their client and home owner, to assist you in taking out a home loan option that is best suited to your current financial position, and one which you can efficiently pay back over the required terms.

These home loans are calculated from a number of factors, including all 'household' income, your existing financial position, especially with regard to any other loans and available credit, as well as the value of the property you wish to purchase or upgrade. 

Many of these institutions also offer you the opportunity to switch home loan providers, with minimal interest rate fluctuations, allowing you to take advantage of the various market trends to ultimately secure for yourself a stable and financially viable home loan package. 

So for more information on how to go about acquiring for yourself a home loan best suited to the property you have in mind, then contact one of the many home loans providers listed for a free quotation today.    




Personal Loans

Unsecured personal loans for South Africans. Up to R50 000 - Low interest rates!



Sold your Home?

With Bridging Finance you can get up to 80% of your profit while awaiting registration.



How to save to buy a home

South African Home Loans


Home Loan Protection Plan

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