Urban home loan

Buying a home can be complex and stressful, and finding extra money to pay a deposit and costs can be daunting. Let us help you with an urban home loan.

What does it offer me?

  • Highly competitive interest rates.
  • Loan to value of 90% of the property.
  • Loans are approved within three business days, subject to submission of completed application documentation.
  • Repayments calculated over 25 years depending on the age of the customer.
  • The minimum property value on which we may provide a loan is E100,000.00
  • We finance up to 90% of the valuation.
  • You will need to pay transfer and bond registration costs.
  • Repayments not to exceed 33% of net salary (depending on your credit profile).
  • If you have a vehicle financed with Standard Bank and wish to acquire property finance, repayment may not exceed 50% of net salary.
  • Consideration is given to the joint income of customer and spouse.
  • Both short-term and long-term insurance is available.

Who may apply?

You may apply for an Urban home loan provided you:

  • 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.
  • Earn a monthly net salary of minimum E5,000.00.
  • Your salary must be paid into your Standard Bank account.

What do you need to apply?

To apply for a home loan visit your nearest Standard Bank branch with the following documents:

  • Proof of residence (utility bill).
  • The deed of sale.
  • A rates clearance certificate.
  • Completed home loan application form.
  • Declaration of applicant and authority for trustees to make further enquiries.
  • Confirmation letter from the chief’s kraal stating right to occupy land if it is on Swazi National Land.


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