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Main-banked home loans offer
Terms and conditions
Introduction
- If you meet the qualifying criteria below, we will give you a preferential interest rate on your Nedbank Home Loan.
- We will include this reduced rate in your home loan quotation, which will form part of your home loan agreement with us.
- If, at any time during your home loan agreement, you no longer meet the qualifying criteria, we will change the interest rate back to the stand-alone interest rate on your quotation, and that rate will then apply.
Qualifying criteria
- To qualify for the interest rate discount, your primary account must be a Nedbank account, which means you must do your main banking with Nedbank. To become a main-banked client, you must do the following:
- Maintain your existing or open a new, qualifying Nedbank transactional account (savings, current or money market account).
- Arrange that your salary is paid into this account or ensure that a deposit of at least R5 000 is paid into this account every month for the duration of your home loan.
- Do at least one transaction a month using the debit card linked to this account.
- Pay your home loan debit order from this account (after you have verified the debit order with a DebiCheck).
- If you miss any of you monthly payments, you will no longer qualify for the interest discount.
- If you have a joint home loan, at least one applicant must meet all the criteria to qualify.
Terms
- You must comply with the criteria within two months from the registration of your bond.
- We may review and change the qualifying criteria at any time.
- You will also be liable for any tax payments due for any benefit in terms of this addendum to your home loan agreement.
- If we find that you are no longer a favourable client, for example, if you use your home loan in an unlawful way, breach any of the terms and conditions of your home loan agreement or miss any instalments, we may cancel the interest rate discount immediately and the rate on page 1 of your quotation will then apply.
- Our main-banked offer applies to home loans for retail clients (individuals) only.