We are pleased to present below all posts archived in 'October 2025'. If you still can't find what you are looking for, try using the search box.
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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Confused why your bond is registered for more than your home loan amount? Learn in simple terms what the “additional amount” on a registered bond means, why banks do it, and why you don’t pay for it.
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.
South Africa’s 105% home loans are unique in the global market. Discover when they started, why they exist, and what they mean for first-time buyers. Learn the pros, cons, and what makes them rare worldwide.
Discover how amortisation works on your home loan, why early repayments matter, and how long it takes to reduce your balance from 105% to 100%. Real examples at 10% and 11% interest rates.
Banks in South Africa have BEE reporting requirements for home loans. Learn how this affects approvals and why race is asked on bond applications.
In South Africa, banks focus on income and affordability, not collateral, when approving home loans. Learn why serviceability is key.
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