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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.
Popular tags: prequalification certificate South Africa, home loan affordability factors, Debt Service Ratio SA banks, income generating assets mortgage, bank-ready prequalification SA, Phoenix Bonds prequalification, mortgage strategy South Africa, buying property prequalification, home loan application tips
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