Property finance

Whether it’s a home or building loan for you, or commercial property acquisition for your business, we can offer you a customised finance solution.

Residential and Commercial Property Finance

Commercial property finance

Commercial property finance

What are the benefits?

  • Expedite your business’s property acquisitions
  • Finance up to 70% of the value of the property
  • Get a customised offering tailored to your specific needs and goals
  • Flexible lending structures built around your business’s cash flow
  • Negotiable repayment terms of up to 10 years
 

  • Owner-occupied/owner serviced properties
  • Commercial investment properties
  • Commercial, industrial or retail property developments
  • Residential development

  • A Capitec Business account
  • A minimum of 2 years operating as a business

Depending on the nature and context of the transaction and the amount of financing required by the business, we may require some form of collateral/security, such as:

  • Personal suretyships of the principal(s)  
  • Bonds over immovable property 
  • Pledge and cession of rental income 
  • Copy of lease agreements, if acquired for investment purposes  

Depending on the nature of the transaction and the amount of financing needed, we may require some or all of the following:   

  • Signed financial information
    • Latest signed annual financial statements
    • Up-to-date management accounts (not older than 3 months)
    • Statement of personal assets and liabilities
    • Statement of personal income and expenditure
  • Other
    • Most recent 6 months’ bank statements (new clients only)
    • Rent roll including all basic information (tenant list and lease details)

Residential home loan

What are the benefits?

  • Competitive rates to finance your dream home
  • Up to 100% home loan
  • Repayment terms up to 30 years
  • We offer a loan to cover bond registration fees and transfer costs
  • No penalties for early settlements
 

Yes, you can finance the construction of a dwelling or additions and improvements to an existing property. The loan is paid out as the construction of the building progresses for the work that has been completed.

You can get access to the capital amount you have already paid. This is the difference between your current outstanding balance and the registered bond amount. Seeing that no bond needs to be registered, there will be no attorney fees payable.

Yes, you can apply for an amount in addition to your registered bond amount. The additional amount will be based on an updated property valuation and a credit assessment. Because it’s a second bond registered over the property and lodged with the deeds office, there will be attorney fees payable.

Depending on the nature of the transaction and the amount of financing needed, we may require some or all of the following:   

  • Signed financial information
    • Latest signed annual financial statements
    • Up-to-date management accounts (not older than 3 months)
    • Statement of personal assets and liabilities
    • Statement of personal income and expenditure
  • Other
    • Most recent 6 months’ bank statements (new clients only)

Residential home loan