Welcome to GPF Mortgage!
If you want ensure that your mortgage gets approved then you have come to right place.
Why struggle to get your home loan approved…fighting with call centre consultants and pulling your hair out in frustration becomes nobody at the bank seems to really understand what you’re telling them?..
Don’t you just hate it when you ask a simple question and they transfer you from one person to the next and you end up dealing with people who are only trained to deal with one aspect of the home loan process.
Why should you spend so much time on your absa home loan application and then the bank decline your loan? Don’t these people realize that are busy and you don’t have time to waste?
And the really sad part is that the majority of declined home loans could have been ‘rescued’ if it wasn’t for:
- Incompetence of consultants
- Lack of accountability for poor performance
- Consultants not properly trained
- Not knowing how to structure home loans properly
- Lack of communication between consultants and the banks’ credit managers
- Consultants don’t know how to motivate a home loan approval
- Customers’ supporting documents ‘disappearing’
- Just being lazy, plain and simple…
My name is Zulika van Heerden and as 9+ year veteran of the home loan business I’ve seen homeowners just like YOU approaching their bank for a loan only to be frustrated and disappointed if they don’t get the loan they wanted…
So, you have 2 options…approach your own bank for a loan if you are used to poor service, incompetency and you are confident that you can handle disappointment.
OR
Get an expert on your site who understands how to evaluate all available options to get your home loan approved. You just sit back and relax at home, while we do all the grunt work on your behalf!
So, get your free quote now, by clicking on the link below:
Get Your Free Home Loan Quote Now
Absa Homeloans Overview
With a market share in the mortgage industry of about 31%, ABSA is the largest mortgage and home loan lender in South Africa. They offer different home loan packages such as:
Absa Traditional Home Loan
Absa MyHome Loan
Absa Building Loan
Absa First Time Home Loan
Absa Pension Backed House Loan
Absa Debt Consolidation and MultiPlan
Other Options Include
Fixed and variable interest rates
Further Advance Loans
Absa FastForward
Absa FlexiReserve
Absa ReAdvance
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Absa Traditional Home Loan Financing
ABSA will finance a home loan of up to 100% of the purchase price. This means that there is no need for you to save up for a deposit as long as you are an ABSA account holder..
It is possible to register a bond greater than the loan amount so that you can apply to increase the loan later without additional costs and time delays for registration.
If the value of your property has increased enough so that there is at least R100 000 – R150 000 equity you will be able to apply for this extra amount, called a further advance. The funds can be used for whatever you need it for, like consolidating debt, buying a car, home improvements etc.
Absa Home Loans also allows you to choose between fixed and variable interest rates. Interest rates can be fixed for up to ten years.
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Electronic Access
You will be able to access the funds in your home loan account through Internet and Telephone Banking. This allows you to transfer funds into and out of the account. This will save you time and money.
You are allowed to deposit additional funds into the account at any time. Doing this will help you pay off your home loan faster, in addition to saving on.
If you choose an Flexi Reserve bond you can transfer additional funds into the account. While the funds are in the account you will save on interest, but, should you need it you can withdraw it at any time.
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Qualifying criteria
To qualify for the Absa Home Loan, you need to earn a minimum of R 7,500 per month and meet the minimum credit requirements as set out by the National Credit Act. The maximum loan term is 30 years.
The Absa Home Loan only applies to the purchase of residential properties and does not cover upfront registration and transfer costs.
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The MyHome Home Loan
The ABSA MyHome Home Loan assists people who earn up to R15 498 per month. This makes the seemingly unreachable goal of owning a home a reality with Absa’s MyHome package.
Features and Benefits
100% home loan that covers the full purchase price of the property
Your legal costs covered, up to an additional 10
Home Loan Management training, free
Lower monthly service when taking out comprehensive home owners insurance
Repayments over any term up to 30 years
Option of fixing your rate for the duration of the home loan
If you qualify, no deposit require
Qualifying criteria
Earn R15 498 or less per month (either as a single or joint income)
Are in possession of a South African Identity Document
Can show proof of regular income
12 months minimum employment at current employer
The maximum amount that you can apply for on a MyHome homeloans is R 500,000. It is also important to note that life cover is compulsory to qualify for the loan.
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Absa Building Loan
To qualify for a building loan from Absa you must use a builder that’s registered with the NHBRC (National Home Builders’ Registration Council)
Progress payments will be made your builder as the work progresses. The first progress payment will be made after the foundation has been laid. The second payment will happen at window height, the next one at roof height and the last one when the work is completed.
Although you will only start repaying the loan once your house has been completed (your loan has been paid out if full), it’s important to keep in mind that interim interest will be charged on progress payments made to your builder.
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Absa First Time Home Loan
The Absa first time home loan was structured to assist first-time home buyers to help them with the costs associated with buying a property. For more information speak to one of GPF’s consultant.
Absa Pension Backed Housing Loans
With pension-supported housing loans you can use your pension or provident fund as security for your home loan. In other words the amount you borrow is guaranteed against your fund.
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Absa Debt Consolidation and MultiPlan
If you’re struggling to keep up with all your debt payments you can consolidate your debt into your home loan and reduce your monthly debt repayments.
MultiPlan
Although consolidating debt is the first step to bring relief if your budget is stretched you need to manage your debt better. By creating multiple, different debt accounts within your bond account – each one with their own interest rates and repayment terms – you can make the most of the financial options available to you.
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