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Yes you can have more than one type of loan at the same time - but before you apply for the short term loan check the required monthly payments for both loans and make sure you can afford paying both off at the same time – If you can’t afford both repayments then don’t take the short term loan.

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The loan amount you qualify for depends on a whole host of different things and it is determined by your credit profile. So, the simple answer is: we can’t tell you until you have done an application and your credit profile has been assessed.

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All DirectAxis loan applicants must possess a valid bar-coded South African Identity document. In the instance where an applicant is approved for an amount of more than R15 000, the following documents are required:
•  A certified copy of the Identity document 
•  Proof of residence (not older than three months)
 
For self-employed customers these additional documents will be required:
•  Three months bank statements (not older than three months)
•  Proof of employment

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Interest is calculated monthly and needs to be paid monthly. Lenders will typically base their rate on your credit profile. Ask your consultant about the interest you will be paying and what fees and charges you are liable for as well. If you have a good credit record you should generally get a good rate of interest on your loan.

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If you are blacklisted, it's highly unlikely that you will get a loan since you are a credit risk, lenders will be very cautious about providing you with further credit.If you want to pay off your debt, your best option is to opt for debt management. You can apply for 

If you want to pay off your debt, your best option is to opt for debt management. You can apply for debt management here.

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There two possible scenarios:

1. If you and your spouse have a joint account and you are not the main account holder; you must submit proof from the bank to show that you have signing power and  rights to the account. Furthermore, your salary must be paid into that account and a debit order authorization will be required from your spouse to prove that the instalment may be debited from the account.
2. If you have a joint account with someone other than you spouse, you must be the main account holder and your salary must be paid into the account.

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