Rating based on 16 reviews



  • Property finance up to R250,000
  • Low-interest starting from 9.25%
  • Repayment up to 30 years

In-page navigation

Capitec homepage

Author Capitec. Screenshot of Capitec website. [Accessed April 30, 2018]

About Capitec

Capitec Bank is one of South Africa's newest banks having launched in 2001 and has, since then amassed a huge customer base.

Our simple and all-inclusive banking solutions are revered for their innovative approach, simplicity and affordability and, in addition to being able to transact customer can take out a personal loan.

Powerful partnerships that move you forwards

Our banking system is based on the GlobalOne technology and has allowed us to simplify banking like never seen before in South Africa. We have partnered with Visa and MasterCard as well as developed a strong relationship with SA Home Loans who offers our customers up to 100% home loans that can be applied for online. You can apply individually or with a joint applicant to ensure affordability and success.

What Capitec can offer you

Our GlobalOne technology has allowed customers to conduct international transactions with zero purchase fees, access to simplified banking, affordable personal loans of up to R 250,000 and competitive savings plans to help you reach your financial goals faster.

Our home loans

Through SA Home Loans Capitec offers you a 100% or 90% home loans which you can apply for online or via any one of our nationwide branches. The interest rate you will be offered will be based on your individual credit profile and we offer a loan term of 30 years for maximum affordability.

Capitec Property finance

  • Loan Type Property finance
  • Interest Rate from 9.25%
  • Loan Amount up to R250,000
  • Repayment 10 years to 30 years

Benefits of Capitec

  • Quick and easy loan applications
  • Get a loan based on your affordability
  • Get approved within 5 working days

Capitec offers our clients the best deals on property loans in SA

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.

man holding thumbs up

Capitec is a trusted & reliable provider of property finance

In our review, Capitec adheres to the compliance criteria in accordance with NCA regulations, where the granting the loan will not cause financial distress to the consumer.

Capitec is a registered credit provider in South Africa: NCRCP13

Customer Reviews & Testimonials

February 2019

The staff at the branch were very helpful to me. They helped me to fill out my loan application form and answered all of my questions. Very happy with the service

Fikiswa N
— Port Elizabeth —

March 2019

The online platform and application were very convenient and easy to use. SA Home Loans got back to me later on the same day

Jarryd T
— Johannesburg —

Capitec Contact Details

Physical Address

  • 212, Zevenwacht Mall, Polkadraai Rd & Van Riebeeck Road Cape Town Kuils River 7579 South Africa
  • Get Directions

Opening Hours

  • Monday 09:00 – 18:00
  • Tuesday 09:00 – 18:00
  • Wednesday 09:00 – 18:00
  • Thursday 09:00 – 18:00
  • Friday 09:00 – 18:00
  • Saturday 08:00 – 14:00
  • Sunday 09:00 – 13:00