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There are many reasons why one may want to own a property in South Africa. Perhaps you want to give your family a home in which your children can grow up and learn about life, or you may want to invest in the real estate industry for profit.
Unfortunately, property is typically expensive. For a significant number of South Africans, the idea of buying a home with their own cash is impossible. In such cases, homebuyers often apply for bonds at their banks.
But what do you do if your bank declines your application? Firstly, don’t panic. Your bank isn’t the only bond provider available to you. SA Home Loans offers a fantastic selection of flexible bonds with competitive interest rates. Our innovative products are South African’s only true alternative to home bonds from banks.
Furthermore, SA Home Loans’ property finance consultants are dedicated to providing amazing service and to treating every bondholder and applicant as an individual; offering superior assistance from the point of first contact.
But before you reapply for a bond at another bank or SA Home Loans, there are a few things that you can do to improve your reputation with bond providers and increase your chances of qualifying for a bond in the future.
Contact SA Home Loans on 0860 2 4 6 8 10 and apply for a bond today or continue reading for tips on how you can qualify for a bond in South Africa.
In South Africa, banks are known to score home bond applicants using set requirements without taking their unique financial circumstances into account. This can lead to your application being declined even if you’re able to afford the loan for which you have applied.
The tips below have the added benefit of helping you to increase the size of loan for which you’re applying. Even if you haven’t been declined, following these tips can help you to purchase a better house than you originally thought you could.
It’s important not to get disheartened should your bank decline your application. Often, especially when applying for a loan at a bank, you could be declined because you’re in debt or your credit rating is considered insufficient. No matter what the reason for your application being declined, there is a solution. And once you have identified the problem, you can create a strategy with which to move forward.
Bond providers are free to use their own bond valuation process. It is, therefore, important for homebuyers to explore a variety of channels in order to ensure that they’re receiving the best bonds available. Choosing SA Home Loans means that you cut out the middleman. This allows you to speak to us directly about how our products can meet your unique requirements.
Even if you’re searching for a bond via a bond originator, it is wise to approach SA Home Loans directly to ensure that you fully understand our products and experience our superior level of service firsthand.
One of the most common reasons that homebuyers don’t qualify for property bonds is because they have an excessive amount of debt. While debt is often a necessary part of life, banks are typically fearful that an applicant with large amounts of debt may not be able to keep up with his or her monthly bond payments. Therefore, banks are more likely to qualify applicants who have well-managed debt than those who have significant debt.
SA Home Loans, on the other hand, assesses each application on his or her own merit and our property finance consultants will take into account every aspect of each applicant’s debt, including their credit history, type of debt and overall financial management strategy.
In order to have access to the best bonds on the market, it is imperative to save up a significant deposit. Most bond providers require that homebuyers have access to a minimum of 10% of their potential property’s value in cash. However, if you already have your deposit available, you could benefit from adding to it in a variety of ways.
Firstly, paying a larger deposit on a property means that you can pay off your bond over a shorter term and save on interest. And secondly, you could qualify for a bigger bond than originally intended and afford a better property.
It is well known that SA Home Loans offers competitive interest rates, but it’s our phenomenal service that instils a sense of loyalty in our customers. Our flexible and personal approach includes treating homebuyers as the individuals that they are. We assess each application on its own merit rather than by set criteria, which is a typical approach taken by large financial institutions such as banks.
Furthermore, our property finance consultants are experienced in helping a diverse selection of bond applicants, including first-time homebuyers, real estate investors and those purchasing their second or third properties. We can assist you by providing information on bond interest rates, the flexibility of our bond options and switching your existing bond to SA Home Loans.
Contact SA Home Loans on 0860 2 4 6 8 10 today and receive information on our products and bond interest options.
In order to make the bond application process as easy as possible, we have included convenient bond calculator tools to help you get started. Our bond calculator options include an affordability calculator, a new home purchase calculator and a switch your home loan calculator.
Choose which calculator best meets your bond quote requirements and provide the information requested to find out what size house you can afford to buy or to learn how much money you can save by switching from your current bond provider to SA Home Loans.
While bonds are often considered to be a necessary burden, the right bond from the right provider can be an effective financial tool. Choose SA Home Loans for expert assistance throughout the term of your bond. Our property finance consultants are waiting for your call. Contact us on 0860 2 4 6 8 10 for flexible bond products and amazing, personalised service.