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First Bond


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.

First Time Home Buyer


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.

Buy Vacant Land


A Vacant Land application is submitted when a customer requires finance for a portion of land where no building exists.

You will need to meet the following criteria when applying for Vacant Land finance from FNB Home Loans:

  • The qualifying criteria on a Traditional Home Loan must be met.
  • The vacant land must have existing municipal service connections.

Understanding the costs involved


Expense Description Amount
Purchase price deposit This is a payment made to secure the property. The amount will be stated in the Offer to Purchase contract Amount varies according to property value
Attorney bond costs A fee that is paid by you to the attorney to register a mortgage bond in favour of the Bank Amount that varies as per the legal conveyancing fees schedule
Attorney transferring costs A fee that is paid to the attorney nominated by the seller to transfer ownership of the property Amount that varies as per the legal conveyancing fees schedule
Transfer duty and VAT This is a government tax, which you will need to pay, based on the purchase price or the open market value of the property, whichever is higher. In property sales, either transfer duty or VAT will be applicable depending on whether the seller's line of business is property trading. Transfer duty is not applicable in respect of Tribal land however the transaction may attract VAT, depending on the type of seller Depending on whether or not a purchaser is a citizen or non citizen, transfer duty is charged as follows;

Citizen
5% of the purchase price for citizens after an expemption of P200,000.

Non-Citizens
5% of the purchase price
Initiation fee A fee charged by FNB to process your home loan application See annual pricing guide for details. FNB will debit this fee to your home loan on registration

Traditional Home Loan


Get the most out of your home loan

At FNB, we believe that home is where your roots are. It's the foundation of special moments, from the first picture you drew to a lifetime of memories in the making. The Traditional home loan is a loan to assist the customer with finance when purchasing an existing residential property.

What's hot


Personalise your home loan

The traditional home loan may be combined with a range of additional facilities and options to personalise your home loan.

First Bond

Apply for a fully built property

Read more

First Time Home Buyer

A First Time Home Buyer has never owned property before

Read more

Buy Vacant Land

Finance for a portion of land where no building exists

Read more

What it costs


Understanding the costs involved

Expense Description Amount
Purchase price deposit This is a payment made to secure the property. The amount will be stated in the Offer to Purchase contract Amount varies according to property value
Attorney bond costs A fee that is paid by you to the attorney to register a mortgage bond in favour of the Bank Amount that varies as per the legal conveyancing fees schedule
Attorney transferring costs A fee that is paid to the attorney nominated by the seller to transfer ownership of the property Amount that varies as per the legal conveyancing fees schedule

Getting it made easy


Traditional Home Loan

Qualifying criteria

  1. Available to individuals, joint applicants and property-owning juristic persons e.g. trusts, non-trading close corporations and private companies
  2. The term of the loan must expire before you reach the age of 75

How to get it

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Other ways to apply

Contact us

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Documents needed

  • Copy of Offer to Purchase
  • 3 months recent payslip and 6 months bank statements
  • If self-employed: Audited financial statements or management accounts for the past three years
  • Marriage certificate, if applicable
  • Proof of residence - Water or Electricity bill in own name, letter of reference (employer or bank account holder) or Affidavit
  • Valid ID - Passport, Drivers License
  • Completed application form
  • Two passport size photos (can be taken at the branch)
  • Declaration of debts
  • Letter from employer