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Self-employed individuals in South Africa can absolutely obtain a home loan. However, the process may require more documentation and present additional challenges compared to salaried individuals.
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A credit score is a numerical representation of a borrower's creditworthiness. It is calculated based on various factors such as credit history, payment behavior, outstanding debts, and other financial indicators. In South Africa, credit scores are determined by credit bureaus, which collect and analyze credit-related data from various sources.
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