Credit

home loan

Own the home you love with a Capitec home loan in association with SA Home Loans! Use our affordability calculator to see how much you could qualify for, then apply online in 4 easy steps

home loan

Whether you want to buy your first home or switch your existing home loan, Capitec Home Loans could make it a reality.

Benefits

  • It's quick and easy – apply online in 4 easy steps
  • You could get a more competitive interest rate based on your personal profile, and up to 50% off bond attorney fees
  • You're in control, track your application online at any stage of the process
  • You get a dedicated property finance consultant who will guide and support you through each step of the process
  • Use our unique affordability calculator for a detailed breakdown of all the costs you'll need to prepare for

Get a new home loan

Buying a new home is exciting! To make the best decisions, it's important to understand the process and what to expect. Before you start shopping around, you can use our affordability calculator to get an idea of how much you could qualify for. It will also give you a list of costs you need to prepare for when buying a new home.

Once you've found your dream home and have signed an offer to purchase the property, you can apply online in 4 easy steps.

Read more in frequently asked questions here.

Switch your existing home loan

If you switch your existing bond to Capitec Home Loans, we may be able to offer you a more competitive interest rate on your home loan.

By moving your bond, you could pay a lower interest rate and monthly instalment. This will free up some money in your monthly budget.

Other possible benefits include:

  • Access to any extra value in your property (known as equity – a once-off cash amount you could get out)
  • Use any equity you get to reduce your short-term debt, do home improvements or towards education
  • You don't have to worry about paying new bond or home loan registration fees upfront. You can finance these costs as part of your Capitec home loan
  • Switching your bond is a simple process. Complete the application online in 5 –10 minutes and we’ll take care of all the paperwork

Read more in frequently asked questions here.

Government employees

If you're a government employee applying for a new home loan or switching your existing bond, you could get a discounted interest rate. To qualify, you must use the Government Employee Housing Scheme (GEHS) stop order to SA Home Loans.

How to apply

Apply online in 4 easy steps or visit your nearest branch.

Capitec Home Loans is brought to you in association with SA Home Loans. Capitec Bank originates the application on behalf of SA Home Loans. SA Home Loans will assess and approve your credit application. A credit provider which is managed by SA Home Loans will enter into the credit agreement with you as the borrower.

Email these documents to Info@capitechomeloans.co.za once you've applied for your home loan and received a reference number.

Permanently employed (for both applicants, if applicable)

  • Latest 3 months' salary slips
  • Latest stamped 3 months' personal bank statements
  • Copy of SA ID document
  • Copy of marriage certificate or antenuptial contract (ANC) (if applicable)
  • Copy of the signed offer to purchase agreement
  • Personal assets & liabilities statement for loan amounts over R2.5 million

Self-employed (for both applicants, if applicable)

  • Proof of income: Letter of drawings from an accountant (latest stamped 6 months' personal bank statements
  • Personal assets and liabilities statement
  • Latest stamped 6 months' business account bank statements
  • Latest 2 years' annual financial statements
  • Where annual financial statements are older than 6 months to date, current management accounts not older than 2 months signed by the applicant and accountant must be provided in addition to the annual financial statements
  • Copy of SA ID document
  • Copy of marriage certificate or antenuptial contract (ANC) (if applicable)
  • Copy of registration documents or trust deed
  • Copy of the signed offer to purchase agreement

For frequently asked questions visit our FAQ section.

 

 

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Capitec Home Loans is brought to you by SA Home Loans. Capitec Bank originates the application on behalf of SA Home Loans. Although the home loan is branded Capitec Home Loans, it is SA Home Loans (and not Capitec) that will assess and approve your credit application.  A credit provider which is managed by SA Home Loans will enter into the credit agreement with you as the borrower. Capitec Bank is an authorised financial services provider (FSP 46669) and a registered credit provider (NCRCP13). SA Home Loans is a registered credit provider (NCRCP1735).  SAHL Investment Holdings, the holding company of SA Home Loans, is an authorised financial service provider (FSP 2428) and a registered credit provider (NCRCP1724).

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