Buying a home is a pretty big step, but we're here to walk the path with you. Here's what you need to consider whether you are thinking of buying, looking for the right property, or, ready to seal the deal.
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Complete or track your home loan application
Manage your home loan account
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The interest rate is based on the current prime lending rate in South Africa. Please note that your interest rate will be based on factors such as your credit score and the size of your deposit.
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| cond | condValue | debtBuffer | expenseBuffer | debtStress | expenseStress | surplusBuffer |
|---|---|---|---|---|---|---|
| LESS_THAN_EQUAL_TO | 10000 | 0.1026017010000 | 1.36306636 | 1.02 | 1.07 | 0.6 |
| LESS_THAN_EQUAL_TO | 15000 | 0.1013535500000 | 1.319440431 | 1.02 | 1.07 | 0.6 |
| LESS_THAN_EQUAL_TO | 20000 | 0.1001053980000 | 1.321738176 | 1.02 | 1.07 | 0.6 |
| LESS_THAN_EQUAL_TO | 25000 | 0.109908105000 | 1.306609407 | 1.02 | 1.07 | 0.6 |
| LESS_THAN_EQUAL_TO | 30000 | 0.1157256980000 | 1.282877395 | 1.02 | 1.07 | 0.6 |
| LESS_THAN_EQUAL_TO | 40000 | 0.1318541410000 | 1.276345131 | 1.02 | 1.07 | 0.6 |
| LESS_THAN_EQUAL_TO | 45000 | 0.1394430720000 | 1.263615732 | 1.02 | 1.07 | 0.6 |
| LESS_THAN_EQUAL_TO | 50000 | 0.1413963310000 | 1.261481222 | 1.02 | 1.07 | 0.6 |
| GREATER_THAN | 50000 | 0.1603055010000 | 1.234109795000 | 1.02 | 1.07 | 0.6 |
| cond | condValue | minMFixedAmount | minPercentage | bandMMinimum |
|---|---|---|---|---|
| LESS_THAN_EQUAL_TO | 800 | 0 | 1 | 0 |
| LESS_THAN_EQUAL_TO | 6250 | 800 | 0.0675 | 800.01 |
| LESS_THAN_EQUAL_TO | 25000 | 1541.67 | 0.09 | 6250.01 |
| LESS_THAN_EQUAL_TO | 50000 | 3375 | 0.082 | 25000.01 |
| GREATER_THAN | 50000 | 5425 | 0.0675 | 50000.01 |
Although we do our best to give you accurate calculations, they will not be binding on us. Our calculations are only examples of how interest rates and fees can affect your repayments. Our transfer and bond cost calculations are also estimates.
See terms and conditions for our USSD affordability calculator that you can access via Cellphone Banking by dialling *120*001*123#
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The interest rate is based on the current prime lending rate in South Africa. Please note that your interest rate will be based on factors such as your credit score and the size of your deposit.
Although we do our best to give you accurate calculations, they will not be binding on us. Our calculations are only examples of how interest rates and fees can affect your repayments. Our transfer and bond cost calculations are also estimates.
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Although we do our best to give you accurate calculations, they will not be binding on us. Our transfer and bond cost calculations are also estimates. If you are planning to buy property in a new development, some costs may be included in the price. Ask the seller or estate agent for the details of these costs, or check your sales agreement.
Get a loan of up to 100% of the property value.
Get an interest rate discount of up to 0.25% on your home loan if you bank with us.*
Get up to R15,000* cash back if you apply online or through the call centre.
Get up to R5,000* cash back if you earn less than R26,100 a month.
*See details on our R15,000 cash back for an online home loan application, or find out more about our R5,000 cash back if you earn less than R26,100 a month.
Terms and conditions apply. See 50% attorney discount terms and conditions.
Ready to apply for your home loan?
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If you qualify, you can lower your home loan repayments through the Finance Linked individual Subsidy Programme (FLISP).
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Buying an EDGE-accredited home guarantees you savings of up to 20% on your monthly water and electricity bill.
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As a Nedbank Home Loan client, you’ll have access to financed energy solutions that can help reduce your monthly electricity bill.
Find out moreUse our new Home-buying Toolkit on the Money app to get pre-approval, apply for a loan, search for properties and see property reports, from anywhere, anytime.
We keep our fees transparent and as low as possible, so you know exactly what you’re paying for, including once-off, monthly and transactional fees.
Download pricing guide (PDF)
Now you have control to approve debit orders before we process them. This will help you know which payments are coming out of your account, so you are in control of your money.
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