. How to apply for a home loan in South Africa

Home Loan

You are ready to apply for your homeloan and would like to know what documentation the banks will require-

Private Individuals earning a salary from an Employer:

  • Your latest 3 months payslips.
  • Three months Bankstatements showing the last 3 salary credits. (Not Internet Statements)
  • Copy of your Id.
  • Copy of your Marriage certificate.
  • List of asssets and liabilities.
  • List of monthly expenses.
  • Copy of the signed offer to purchase.
  • If you are a commission earner 6 months salary slips.

Phone Henter Kriel on 0742888527 for more info and advice

Private Individuals who are Self-Employed

  • 12 months current non internet Bank statements.
  • Copy of Id.
  • Copy of Marriage Certificate.
  • Confirmation of income from auditor
  • 12 months current Business ┬ábank statements.
  • 12 Months cashflow forecast.
  • Three years audited financials.
  • If the latest financials are older than 4 months, the latest management accounts as well.
  • Signed personal assets and liabilities.
  • List of monthly expenses.
  • Completed offer to purchase signed by all parties.

Phone Henter Kriel on 0742888527 for more info and advice

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