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work out loan affordability
Affordability is about how much money you have left after all your necessary expenses and financial obligations have been paid, which could be used to repay the loan you apply for.
Credit providers use the information on your salary slip and bank statements to see whether you'll be able to repay. Here's how you can work out your own affordability.
- Take your income after statutory deductions such as UIF, pension and tax
- Subtract all your necessary expenses such as your bond or rent, transport and food
- Subtract your other financial obligations such as other debt repayments, insurance and policy payments
- The amount you have left after all your deductions and necessary expenses is what can be used to the repay the credit you're applying for
the one cost you can avoid this festive season
The festive season is known to stretch everyone’s bank accounts. The 55 day interest-free period on our credit card can help you prevent a financial hangover in January.
live better with our credit card
You get access to all your accounts and a credit limit of up to R250 000.
the only way to hack Black Friday 2019
If you plan to make this year’s mega shopping event a solution rather than a problem, there’s only one way to do it…
using your credit card
Your credit card gives you more ways to get what you need. Use it for everyday purchases and online shopping.
