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Urban Home Loan

Urban Home Loan-Product Image

Whether you’re looking at buying your first home or upgrading, we have a home loan solution for you

 

 

Some of the Benefits

Assistance

Help and advice from our team of property experts

Flexibility

Choose to repay your loan monthly, quarterly or twice a year

Easy terms

25 years to repay your home loan

Easy access

It is fast and convenient to apply for a home loan
How it works
  • You can apply for equity release or an outright purchase option. 

  • If you earn a salary, you can repay your loan for as long as 25 years. 

  • The minimum loan amount is E100,000 

  • When buying a new home you need a signed deed of sale - We will appoint a valuator to evaluate the property you wish to finance.

  • When building a new home /flats you need a proof of income (current payslip) -  we assit you secure homeowners policy. 

  • When buying a vacant land  you need National Identity document (front & back) - You may borrow an amout of up to 90% of the value of the property. 

  • When refinancing your existing home  you need a letter confirming employment / contract of employment - We offer competetive interest rates. 

  • When extending or renovating on existing property you need proof of residential address (not older than 3 months) and details of Life Policy to be ceded to the bank. 

How to get it
  • Have been with the same employer for at least 12 consecutive months. 

  • Give us a letter of introduction from your employer or a copy of your letter of employment if you have been with your employer for less than 12 months. 

  • Provide us with your last three months' pay slips. 

  • If you work on a contract basis, we need a copy of your most recent contract. 

  • Signed deed of sale.

  • Property Evaluation.  

  • Your salary must be paid into your Standard Bank account 

  • How it works
  • How to get it
  • You can apply for equity release or an outright purchase option. 

  • If you earn a salary, you can repay your loan for as long as 25 years. 

  • The minimum loan amount is E100,000 

  • When buying a new home you need a signed deed of sale - We will appoint a valuator to evaluate the property you wish to finance.

  • When building a new home /flats you need a proof of income (current payslip) -  we assit you secure homeowners policy. 

  • When buying a vacant land  you need National Identity document (front & back) - You may borrow an amout of up to 90% of the value of the property. 

  • When refinancing your existing home  you need a letter confirming employment / contract of employment - We offer competetive interest rates. 

  • When extending or renovating on existing property you need proof of residential address (not older than 3 months) and details of Life Policy to be ceded to the bank. 

  • Have been with the same employer for at least 12 consecutive months. 

  • Give us a letter of introduction from your employer or a copy of your letter of employment if you have been with your employer for less than 12 months. 

  • Provide us with your last three months' pay slips. 

  • If you work on a contract basis, we need a copy of your most recent contract. 

  • Signed deed of sale.

  • Property Evaluation.  

  • Your salary must be paid into your Standard Bank account