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A bond from SA Home Loans can be used for more than simply purchasing a home. While in South Africa bonds are used primarily for purchasing property, they can also help you to access your home’s equity for other uses. Correctly leveraged, a bond can provide you the finances required to renovate your house, send your children to university or take your family on a much needed holiday.
In basic terms, equity is the difference between the realistic market value of your property and the outstanding amount on your bond. This means that the lesser the amount outstanding on your bond, the greater the amount of equity in your property. If you have diligently made your monthly bond payments over a number of years, you should be able to access greater equity than if you have only started making payments recently.
Furthermore, because real estate generally increases in value over time, your property may have accumulated a significant amount of equity since it was first purchased; further increasing the amount of money you are able to access.
SA Home Loans offers a number of bond options which can give you immediate and future access to the equity in your home. Contact us now 0860 2 4 6 8 10 to apply for one of our home loans bonds.
As a specialist bond provider, SA Home Loans can help you access the equity present in your home through a variety of innovate products. Because, unlike banks, we focus on providing flexible and innovative house bond options to our customers, we aren’t distracted by offering unrelated services and products.
Some of our most cutting-edge products are those that give homeowners access to the accumulated equity in their properties. Our equity access products include:
After approval of your switch loan application, this product gives you the option of receiving up to R75 000 within 72 hours and up to R150 000 on signing of the documents. The benefit of this product is that it can give you immediate access to your home’s equity and there are no restrictions as to how the cash is used. Popular uses include debt consolidation and new business ventures.
Taking out a further loan on an existing property is typically the most cost effective way to obtain finance. This product is available to existing SA Home Loans clients who want to take advantage of their properties increased equity. In cases where the requested bond amount is greater than the original loan, we will register a further bond against your property.
This further lending option gives homeowners the opportunity to re-apply any additional pre-payments that have been made into their loan. . This requires minimal effort and provides a quick (within 48 hours) cash injection into your bank account.
SA Home Loans clients who initially registered for a higher bond amount than their original loan requirement can easily access additional funds. It is recommended that during the bond valuation process, you may wish to consider future financial needs and register for a higher amount than necessary - you never know when you may need additional finances.
* All Further Lending subject to Standard Terms and Conditions
Contact us now for more information on any of these innovative products and the related house bond fees.
One of the reasons that SA Home Loans is the leading bond provider in South Africa is our amazing service. Each of our property finance consultants is well versed in our product selection and can provide you with a bond quote and information on bond finance. Furthermore, you can apply via our online bond calculator applications and discover what bond finance you can afford.
Savvy homeowners know that a bond is a useful tool for not only purchasing a property, but also for improving their standard of living through home renovation, education or debt consolidation.
Contact SA Home Loans today on 0860 2 4 6 8 10 to learn more about the benefits of our range of home loan products and further lending options.
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