Property Investment
South Africa’s property market is recovering as construction costs fall and buyer confidence rises. Phoenix Bonds explores how rate cuts, currency strength, and government reforms could boost affordability and home loan opportunities in 2025.
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Home loan quotations in South Africa must disclose more than just the interest rate. Learn what banks are legally required to communicate - from fees and insurance to the total cost of credit - under the National Credit Act.
Thinking about buying instead of renting? Discover why homeownership in South Africa is a powerful wealth-building tool, why rent is “dead money,” and the long-term benefits of investing in property.
In South Africa, banks focus on income and affordability, not collateral, when approving home loans. Learn why serviceability is key.
Not all prequalification certificates are equal. Learn why most are useless, how banks calculate affordability using Debt Service Ratio and assets, and how Phoenix Bonds gives you a strategy, not just a number.
Future rental income is one of the most overlooked factors in home loan applications. Learn how South African banks assess it, why it must be a full property, and how Phoenix Bonds uses it to boost affordability.
Are foreign buyers treated unfairly in South Africa’s property market? Discover the truth about the 50% deposit rule, banking bias, and how Phoenix Bonds helps international buyers secure home loans.
On July 31, 2025, the SARB cut its key policy (repo) rate by 25 basis points to 7%, also marking a shift in its inflation target preference. Going forward, the bank will aim for the bottom of its inflation band (3%–6%), effectively pushing for a 3% target rather than the mid-point of 4.5%.
The 2008 Global Financial Crisis exposed critical weaknesses in the global banking system. Banks around the world—including some of the largest—were undercapitalized, over-leveraged, and heavily reliant on short-term funding. When property markets collapsed and mortgage-backed securities went sour, these weaknesses triggered a domino effect of financial failures.
To restore confidence, ensure financial stability, and protect economies from future shocks, the Basel Committee on Banking Supervision introduced Basel III, an internationally agreed set of banking regulations.
When it comes to long-term wealth building, property investment remains one of the most reliable and accessible strategies—especially in South Africa where demand for rental housing continues to grow. One powerful approach to property investment is using rental income to cover your bond and related costs, a model that, if planned carefully, can generate wealth through both cash flow and capital appreciation.
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