The Traditional Home Loan is available to individuals, joint applicants and property-owning juristic persons e.g. trusts, non-trading close corporations and private companies. The term of the loan must expire before you reach the age of 75.
A First Bond application for finance through FNB is for a fully built property where no previous finance for the property is in place. The qualifying criteria on a New Home Loan must be met.
A First Time Home Buyer has never owned a property before and is approaching FNB for finance. You will need to meet the following criteria when applying for a home loan for the very first time:
- The qualifying criteria on a New Home Loan must be met.
- You must be purchasing a property for the first time.
FNB also offers the Smart Bond, which is tailor-made for individuals earning a minimum gross monthly income of R3 500 and maximum of R25 000. For joint applications, each applicant should not earn more than R25 000 gross income.
For more information on FNB home loans, click here.
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