Tips

5 Tips when working with an originator

  1. Provide correct information.
  2. Research home loan process
  3. Demand good service.
  4. Get help when filling in an application form from your originator.
  5. Do a follow up

7 Tips when buying your new home

  1. Decide what kind of house suits your needs: consider Security, Size, location, municipal services and fees, plus proximity to work and schools.
  2. Review your budget and how much you qualify for and include monthly instalments, insurance, maintenance, water and lights and other levies.
  3. Make provision for a cash deposit on your home. Depending on the home loan you qualify for, you might need to consider paying a deposit plus costs.
  4. Contact an Expert from 123Bond who can assist you to secure the best interest rate and best home finance option to suit your needs.
  5. Look for your home knowing very well what you can afford, how far you are prepared to travel everyday and the value for money in the area.
  6. Sign an offer to purchase and complete a home loan application.
  7. Ensure that you don’t miss a single repayment on your loan. Rather make extra payments to your loan, if you can, to reduce the period and interest charged considerably.
Important: When deciding on getting a Home Loan, it is your own responsibility to get the best Home Loan option available in the market.

Some of the things you can look out for include getting access to surplus home loan funds 24 hours a day, 7 days a week if you have a transactional account linked to your home loan with your Bank.

6 Tips on how to Manage Debt

  1. Reduce your living expenses by cutting off some of the luxuries like dining out, drinking, smoking, etc
  2. Cut all, but one, credit cards and close all store accounts.
  3. Don’t incur any further debt than you have already.
  4. Focus your efforts on paying all short-term, high interest bearing debt first.
  5. Once you’ve paid off a debt, redirect the amounts you were paying onto another debt.
  6. Repeat this until you’ve settled all your debt.
Prime Interest Rate: 9.00%


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