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Buying property is an often discussed activity in South Africa. Advice is usually given by friends, family and colleagues regarding the best time to buy a house. There are many old wives’ tales suggesting that Christmas and Easter are the best days on which buy a house, while many investment professionals prefer to watch the market closely to find the most lucrative home-buying opportunity.
Often, people think it’s the wrong time to purchase property because they have too many financial responsibilities – such as paying for their children’s educations – or believe that they don’t yet earn enough. However, the sooner one gets into the property market, the better. Property is always a good investment if one takes a long-term view on the market, does the necessary homework and buys in a good area at a market-related price. It’s important to remember that every stage in one’s life holds its own set of restrictions, causing many interested homebuyers to let opportunities pass them by unnecessarily.
SA Home Loans is a home finance specialist with over ten years of experience in the property finance industry and we can help you access the funds you need to purchase real estate. Whether you’re a first-time homebuyer climbing up the corporate ladder, or a successful investor seeking to purchase a second or third home, SA Home Loans has the new home loan that can help you to buy a house now.
Because houses are typically large purchases, very few people find themselves with enough money to purchase one for cash. Furthermore, everyone has different financial responsibilities at different stages of their lives, which presents its own set of challenges and requirements. Because we understand that one’s life changes over time and that each stage has its own unique challenges, SA Home Loans has products to meet the typical requirements of homebuyers throughout the life of their home loan.
If you are at a stage of your life when your finances are stretched – such as the beginning of a promising career, or find yourself with less disposable income owing to purchasing a car, sending your children to university, or welcoming a baby into your family – then we have products that will assist you in maximising your cashflow. This will make it easier to manage the financial implications of these situations and maintain control over your cash flow.
If you’re at a time in your life when you need to know what your expenses will be for the next few years, opt for the SA Home Loans Risk Reducer package. By placing a ceiling on your bond repayments, , you can plan future payments without worrying about the threat of rising interest, but you still benefit from lower rates when interest rates drop.
Have you just been promoted to a better paying position? Or have your children finally moved out, leaving you with lower expenses? By accelerating your payments you can maximise your investment and reduce the amount of interest you’ll pay on your real estate finance over the term of the loan.
Your home loan is a powerful financial tool that can be used to leverage significant financial benefits. If you have equity in your home, you can use our equity access products to renovate your house, pay for an overseas holiday, or buy that big ticket item you’ve always dreamed of. With SA Home Loans, purchasing a home doesn’t mean that you have to give up on all of life’s more expensive luxuries.
SA Home Loans knows that there is no wrong time to buy a house. If you submit a loan application, we will assess your financial situation thoroughly in order to assess whether you qualify for one of our innovative products. Unlike banks, we assess each application on its own merit rather than set criteria. This means that even if you’ve been rejected by your bank, or another bank, you may still be able to obtain a home loan from SA Home Loans.
Furthermore, we pride ourselves on offering each and every one of our clients amazing service, whether they’re buying a house, flat or investment property. To make the application process as convenient as possible, we give Internet users the ability to check their suitability via an affordability calculator, which also functions as the first step of the application process.
Use our affordability calculator now to see what size home loan you can afford. Alternately, contact SA Home Loans on 0860 2 4 6 8 10 to speak directly to an experienced property finance consultant about which product or package best suits your current stage in life.
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