Capitec – Property finance

Capitec bank has made it it's business to become one of the best banks in South Africa and have partnered with SA Home Loans to bring our customers the best value for money.

With a home loan from Capitec, provided by SA Home Loans our clients have the option of their applying in one of our branches, where they can get up to 90% of their home loan amount approved or they can apply online and get up to 100% of their loan amount approved. It really is that simple.

Using our online loan calculator

One of the first steps to buying a home is working out how much you can afford and you can do this by using our affordability calculators online.

Once you have a figure in mind you can fill out our online loan application or apply in-branch where you will receive personalized and direct assistance with your application.

Minimum requirements to apply for a home loan

To apply for a home loan with Capitec and SA Home Loans you must be aged between 18 and 60, be a South African citizen or permanent resident with a valid ID document, be employed or be earning a stable income which can be verified using your monthly payslips and bank statements and you cannot be under debt counselling or be bankrupt or blacklisted.

How to apply

At Capitec our clients are offered the option of either coming into one of our branches or filling out our online application form which can be found on our website. This application will take you only a few minutes to complete and submitting the required documentation won’t take long.

Once an application has been successfully submitted with the necessary supporting documentation, SA Home Loans will be in contact with the applicant within 2 working days to discuss and finalise the home loan agreement.