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When choosing a bond, it’s important to consider the various products and providers available in the market before you decide what bond option is best suited for you. A good product should not only cover the costs of purchasing real estate, but should also work hard for you throughout its term.
Because different bonds have different repayment options, it’s essential to evaluate your options carefully before making a decision so that you ensure that the bond you choose meets your needs effectively. Remember that just because your bank may offer extensive banking services, doesn’t mean that they also offer extensive bond options that satisfy your specific lifestyle needs.
SA Home Loans currently offers four types of house bond options, each with its own unique payment structure, ensuring that, at every stage of your life, we have the products to meet your needs.
Our Variable bond is our core product that offers homeowners a standard monthly repayment structure of up to 20 years. This instalment is calculated using the standard variable interest rate.
The payment structure on this product expects homeowners to pay only the interest on their bond each month, requiring that you only settle the capital portion at the end of the agreed term. However capital repayments can be made into your bond at anytime which will also lower your interest instalments.
The Edge bond is another innovative product that SA Home Loans offers. Homeowners benefit by paying the lowest possible instalment, covering only the interest, for the first 3 years. In year 4, the loan reverts to a standard variable instalment for the remaining 20 years. This makes Edge an ideal product for investment buyers looking to get a rental income stream in place before you start paying off capital on your property. It reduces the financial burden of the first three years of repayments, as well as allowing you to qualify for a higher initial loan amount – as the loan is for an extended period of 23 years.
Bonds from SA Home Loans are designed to meet the differing needs of homebuyers across South Africa. Each bond application is assessed on its own merits, ensuring that your loan suits your unique circumstances both now and in the future.
In order to help you assess what bond you can afford, our website features a handy bond calculator. Simply fill in your income and loan details and it’ll do the calculations for you.
Find your nearest SA Home Loans branch and speak directly to an experienced property finance consultant about which bond payment structure is best for you.
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