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Purchasing property is one of the best decisions that one can make. A house provides more than shelter, it is a building in which you can raise a family and create treasured memories. However, in South Africa buying a home can also be a lucrative property investment that can enhance your monthly income considerably over time.
Whether you’re family orientated, or want to own property for the express reason of making money, SA Home Loans can be your home finance partner. Our selection of products and packages are innovative, flexible and can be tailored to your specific investment needs.
Furthermore, we offer amazing service from the time of first contact to the day you make the final capital payment on your loan. Our experienced property finance consultants are trained to provide you with in-depth information on all of our products and packages, and are prepared to answer any questions that you may have.
No matter what your reason for buying a home, there are many financial benefits to making this decision. Read on to discover some of the more popular reasons why buying a home is a good investment.
Homebuyers purchasing a home in which to raise a family may be primarily concerned with the emotional value that a well chosen property has. This is a building in which you and your family will experience joy, sadness, growth and a wide array of other emotions over the course of your lives. Carefully considered home buying can greatly enhance your life experience.
However, over and above the emotional connection that is attributed to one’s home, a property also has financial value, which can be leveraged in a number of ways. This is particularly true if you have owned it for a number of years. When choosing to buy a house, it is important to plan for the future. While your family may be small – or you have not had any children yet – you may want to choose an affordable property that can be renovated at a later date to accommodate your growing family.
Because your home increases in value over time and you will likely have paid off a substantial amount of capital over the years, it will have accumulated equity. SA Home Loans offers a number of property finance products that can help you to increase the value of your home even further through renovations. These products include the Further Loan, Rapid Re-Advance and Further Advance options – each of which can be used to access the amount of equity present in your home.
Your equity can be used to add an additional room to accommodate a new arrival, increase the house’s level of luxury by adding a swimming pool, or even fund a family holiday.
Of course, when you buy a house, it’s important to ensure that it meets all of your current real estate needs. But home purchasing is most effective when you consider how the value of the property will grow over time. Buy a house to last you a lifetime and reap the rewards.
Buying a house isn’t only for people who want a home for their families, but can also be utilised to increase your monthly income significantly. A second home, whether it is a house or an apartment can be purchased for the sole reason of making money. One of the most popular ways in which property can be leveraged for profit is by renting it out.
While this may not seem like the most lucrative investment at the outset because the income will likely match or be slightly lower than the bond repayments, over time, as the outstanding total on your bond decreases, your income should greatly exceed your monthly loan payments. This can be a very profitable way to earn money, but it also takes a lot of work. As the owner of the property, you would be responsible for the upkeep of the building, including sorting out electrical and plumbing issues.
Another way in which purchasing real estate can be financially profitable is by choosing properties that need a little care, renovate them and sell them for profit. These properties are usually quite affordable and once renovated and restored can sell for much more than they were bought for. Depending on the state of the house when it is purchased, it can be relatively time-consuming and should not be taken on lightly. However, if you have a knack for restoring worn-down real estate, you could make a lot of money this way.
If you’re seeking to make money through purchasing an additional property, it is imperative that you explore the possibilities fully. Buying property is seldom a quick way to make money and you must consider how long it will take you to settle the house loan. It often takes a lot of time, labour and patience before a clear return on investments is seen.
SA Home Loans specialises in helping homebuyers obtain the funds needed when buying a house. To make the home loan application process as simple as possible, we have included a home loan calculator on our website. This convenient application can help you to ascertain what size loan you’re able to afford and whether purchasing a second property is financially viable.
Choose SA Home Loans as your financial partner when buying a home by submitting an application via our home loan calculator. Alternately, contact one of our property finance consultants on 0860 2 4 6 8 10 for more information on any of our products or packages.
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