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Transfer and Bond Calculators
Property Finance

Fixed vs variable interest rates[post_view before=""]

You’ve finally found your perfect home, made an offer and applied for finance to assist with your purchase. But when you receive the mortgage letter from the bank, you’re left trying to understand unfamiliar terms and concepts including prime interest rates, repo rates, and fixed or variable interest. Here’s what you need to know to make sense of it all.

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Transfer and Bond Calculators
Property Finance

Transfer and Bond Calculators[post_view before=""]

Buying a home is an overwhelming enough task without being hit by unforeseen costs. The best way of avoiding unpleasant and costly surprises is by carefully looking at your affordability and making use of convenient tools such as transfer cost calculators and bond calculators to simplify the process.

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Your bond application: A key ingredient to the property transfer
Property Finance

Your bond application: A key ingredient to the property transfer[post_view before=""]

Buying a new property is simultaneously an exciting and stressful experience. One of the important processes that can be quite overwhelming for buyers is the bond application process which is a key element of most property purchases which is why you should get your ducks in a row to have the best chance of success.

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Your bond application: A key ingredient to the property transfer
Property Finance

Your bond settlement amount – a brief guide[post_view before=""]

The sale of a property can often bring with it unforeseen expenses, but this needn’t be the case. To take the mystery out of bond settlement costs, we have put together this brief overview so that sellers can plan appropriately and avoid being caught off guard.

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Your bond application: A key ingredient to the property transfer
Property Finance

Multiple mortgages[post_view before=""]

Extending finance on a home loan is possible in two ways: accessing funds under security of the already registered bond or, should the security provided under this bond not be sufficient, a second bond can be registered.

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Transfer and Bond Calculators
Property Finance

Approval in principle[post_view before=""]

Buying a home can be a stressful process, particularly in a competitive market where you need to move quickly or run the risk of losing out on buying the property of your dreams. Being given an ‘approval in principle’ from a financial institution can play a significant role in moving ahead with the property agreement contract.

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Property Finance

VAT or Transfer Duty?[post_view before=""]

Buying a property comes with a number of expenses in addition to the basic sale price, one of which will be either VAT or Transfer Duty. Every property transaction will incur one of these two forms of tax, but it is important to understand the difference and know which will be applicable as they have different consequences for the buyer and seller in a transaction.

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Transfer and Bond Calculators
Property Finance

Deposits on new developments[post_view before=""]

Purchasing a property off plan is often considered a good investment. But before putting down a deposit, it’s important to understand what this means…

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Property Finance 2016 A Year In Review | Property Blog Articles
Property Finance

2016 – a year in review[post_view before=""]

2016 is fast approaching its end, providing an opportunity for us to reflect upon what has been an exciting and successful year, although it has not been without its challenges.

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Buying tenanted properties - don’t get caught out
Property Finance

Buyers beware of the “subject to bond approval” clause[post_view before=""]

The ins and outs of “subject to bond approval” clauses.

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Historical monuments and renovation restrictions
Property Finance

What lurks beneath the repo surface?[post_view before=""]

The pros and cons of investing in repossessed property.

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Minors and immovable property
Property Finance

Must-knows about new developments[post_view before=""]

New developments bring a level of unknown into the property purchasing equation. Exciting or intimidating, there are a number of things to consider before taking the plunge.

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Your bond application: A key ingredient to the property transfer
Property Finance

Homeowners insurance is required for a bond[post_view before=""]

Financial institutions will typically require a buyer to take out homeowners insurance before approving a bond application.

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Your bond application: A key ingredient to the property transfer
Property Finance

How to get a bond if you’re self employed[post_view before=""]

While there may be additional information required to successfully be granted a home loan, being self-employed should not be seen as an obstacle to accessing finance.

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Transfer and Bond Calculators
Property Finance

Repainting a rented property – who should pay?[post_view before=""]

Maintenance of houses and apartments can be a costly aspect for any property owner, but when it comes to renting, who is responsible for these costs – the owner or the tenant?

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Transfer and Bond Calculators
Property Finance

All rental income should be declared to SARS[post_view before=""]

Income received from investment and rental properties falls into the category of taxable income, and as such should be declared to SARS and included in your annual tax return.

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Beware of Capital Gains Tax when you sell
Property Finance

Beware of Capital Gains Tax when you sell[post_view before=""]

At first glance, Capital Gains Tax (CGT) may seem like yet another thing to worry about when completing a tax return, but it needn’t cause confusion.

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Property Blog Articles | Advice | Contractual Matters | Market News
Property Finance

A bank may require notice to cancel a bond[post_view before=""]

Paying off a home loan ahead of schedule can be beneficial, but paying close attention to the agreement is important to avoid additional fees…

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Can a minor inherit immovable property?
Property Finance

Non-Residents[post_view before=""]

May Non-Residents buy a property in South Africa?

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Beware of Capital Gains Tax when you sell
Property Finance

Transfer Duty[post_view before=""]

To whom is Transfer Duty Payable and how is it calculated?

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