We are pleased to present below all posts tagged with 'home loans'. If you still can't find what you are looking for, try using the search box.
In South Africa, your credit profile is one of the most important tools lenders use to assess your ability to manage debt. But have you ever wondered how your credit information actually gets to the credit bureaus — and why sometimes, not all the bureaus have the same information?
Popular tags: home loans, bond originators, credit score, credit bureau, home loan application, home loan how to apply,
When most South Africans apply for a home loan, they're told the basics: improve your credit score, keep your debt-to-income ratio low, and ensure you can afford the repayments. But what happens behind the scenes once your application hits a bank’s credit risk engine is far more complex — and it's grounded in advanced statistical analysis, predictive modeling, and geographic risk profiling.
This article explores how banks in South Africa assess home loan applications through a lens of statistical risk mitigation, going beyond the surface-level criteria and into the data-driven processes used to manage exposure to default.
Popular tags: home loans, best bond originators in South Africa, south african banks, credit score, mitigating risk
It happens far too often: a hopeful homebuyer applies for a bond, only to be told that their application was declined—without a proper explanation. Many people assume that’s the end of the road, and they walk away discouraged, confused, and unsure of what went wrong.
But here’s the truth: You have the right to know why your application was declined. In fact, South African law is very clear on this.
Popular tags: home loans, home loan interest rate, mortgage bond, bond originators, best bond originators in South Africa,
Wondering if you can use Airbnb income in your home loan affordability assessment? Maybe, it absolutely depends on the bank’s requirements and the paper trail of evidence you have to show the average income you earn from Airbnb.
Popular tags: home loans, affordability, airbnb, short-term leases, short-term rental, future rental income, home loan approval
The prime rate has decreased three times by 25 basis points since September 2024, bringing the current prime rate down to 11%, which is good news for homebuyers. But why is it taking so long for the market to respond?
Popular tags: home loan interest rate, home loans, home loan application, home loan how to apply, home loan, home loan pre-approval, home loans South Africa,
Discovery, in partnership with SA Home Loans, has introduced a home loan offering that incorporates its signature rewards-based approach. Clients have the opportunity to receive up to a 1% interest-rate discount based on their financial behaviour and engagement with Discovery products. But is it worth pursuing?
Popular tags: discovery, discovery home loans, home loans, first time home buyer, best interest rates, comparing home loans,
We're more than just mortgage brokers. Find out what a premium mortgage broker can do for you.
Popular tags: comparing home loans, home loans, mortgage originators, South African home loan credit score requirements, South African housing market, home loan experts, , best interest rates
When selecting insurance policies, you shouldn’t just be concerned with your premiums. It’s more important to know your excesses, exclusions, and potential payouts. A tailor-made and flexible policy will ensure that you are only paying for the things you need.
Popular tags: insurance, life cover, homeowners cover, home and contents insurance, mandatory bond insurance, home loans, insurance premiums, insurance brokers
If you default on your bond repayment, your bank can potentially repossess your house and sell it to recover the money that you still owe to them. However, there are some very sound financial reasons why the bank will avoid doing this.
Popular tags: forclosure, default on home loan, repossession, affordability, home loans
When it comes to your home loan application, geography matters. Banks have an area classification risk rating that is factored into the customer’s overall risk assessment. The outcome of this risk assessment is what determines the price of your loan, or the interest rate the bank will offer you.
Popular tags: property investment, home loans, best home loan interest rates
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