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From category archives: Phoenix Bonds News Blog

Property Investment

Mistakes to Avoid When Applying for a Home Loan in South Africa

One of the most crucial mistakes potential homebuyers make is failing to adequately prepare their finances before applying for a home loan. Failing to do so may result in loan rejections or unfavorable interest rates.

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Commercial Bonds - A Premium Origination Service

Commercial bond applications are notoriously complex and time-consuming. Submissions from bond originators are typically a ‘lead referral’, with no pre-assessment of the client. Phoenix Bonds offers a point of difference - we aim to streamline this process and ensure that only the applications with merit will be submitted, to ensure that a consistent stream of qualified buyers are delivered to our banking partners.

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Getting into the Property Market as a Foreigner in South Africa

In this blog, we will explore how consulting with expert bond originators and property professionals, such as Phoenix Bonds South Africa, can help you stay within the legal boundaries of South Africa when renting or buying property as a foreigner.

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Bond Origination in South Africa – Regulations and Compliance

In South Africa, the financial services industry is highly regulated to protect consumers and maintain stability in the economy. The main regulatory frameworks that govern our industry include the Financial Sector Regulation Act (FSRA) and the Companies Act, among others.

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Credit Analysis and Risk Management Explained

Bond origination is a complex process that requires a deep understanding of the financial market, risk management techniques and credit analysis. In this blog post, we will provide an in-depth look at credit analysis and risk management.

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The Next Interest Rate Hike: What It Means for Your Home Loan Payments

Fluctuations in property value and interest rates can also affect prospective buyers. With the current increase in interest rates, the cost of financing rises, and demand for credit weakens over time, resulting in lower house prices. As house prices decline, it can be a good time to purchase property, provided you have enough financial leeway to withstand the risk of potential further interest rate hikes.

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How Homeowners Can Survive Interest Rate Hikes

The current economic climate in South Africa has many prospective and current homeowners worried about rising interest rates and the cost of living, and applying for a bond may seem like something only a select few can afford to do.

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How Does Compound Interest Work on a Home Loan?

To understand what your home loan repayment is made up of (in terms of principal and interest), you first need to understand compound interest, and how it works in reverse for debt.

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How to Get the Most Out of Your Building Insurance

The unfortunate reality is that structural damage can happen to anyone. Such damage can be caused by fire, floods, hail, lightning, and burst geysers or pipes. Although building insurance can feel like a grudge purchase to some, having it prevents homeowners from digging into their life’s savings to pay for structural damage.

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Who Pays for What During the Transfer of Property?

When it comes to buying and selling property in South Africa, both the buyer and the seller have certain financial obligations. It is crucial to know what these obligations are before pursuing the transfer of property is crucial and will help you prepare for it before you sign a contract.

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