SINGLE APPLICANT - SALARY ONLY

You will be required to supply the following documentation:

• 3 months bank statements
• Latest payslip
• Copy of RSA ID
• Proof of residence

JOINT APPLICANTS - SALARY ONLY

Each of you will be required to supply the following documentation:

• 3 months bank statements
• Latest Payslip
• Copy of RSA ID
• Proof of residence

LEGAL MARRIAGE APPLICANTS - SALARY ONLY

If you are married in community of property then both of you have to apply individualy and have to supply a set of the below documents:

• 3 months bank statements
• Latest Payslip
• Copy of RSA ID's
• Proof of residence
• Marriage Certificate

TRADITIONAL MARRIAGE APPLICANTS - SALARY ONLY

Some banks consider a traditional marriage as marriage in community of property, with or without a certificate. When you as a couple indicate on the application form that you are married traditionally, the application is seen as a C.O.P application. If only one person wants to apply then you should not indicate that you have a traditional marriage on the form as the banks will ask for your spouse’s documents as well. Each of you will be required to produce the following documentation:

• 3 months bank statements
• Latest payslip
• Copy of RSA ID
• Proof of residence

LIFE PARTNER APPLICANTS - SALARY ONLY

Life partners are considered as a joint application. This is what some countries refer to as Common Law Marriage which is not recognised in South Africa. Each of you will be required to supply the following documentation:

• 3 months bank statements
• Latest payslip
• Copy of RSA ID
• Proof of residence

DIVORCED APPLICANTS - SALARY ONLY

Divorced applicants are seen as single applicants and should supply the below documents. A separated applicant cannot apply for a bond without his spouse (if they are married in COP) until the divorce has been finalised by a court. If the separated individual is married out of community of property, then they are seen as a single applicant and must supply the below documents:

• 3 months bank statements
• Latest payslip
• Copy of RSA ID
• Proof of residence

NEARING RETIREMENT - SALARY ONLY

If you are 59 years or younger you will be able to apply for a home lone. But bear in mind, that your installment will be calculated on the number of years remaining up and till 65 years. Thus, if you have 6 years remaining before retirement, the home will have to be paid of in 6 years, increasing the installment substantially. It is strongly advisable that you put down a substantial deposit. You will be required to supply the following documentation:

• 3 months bank statements
• Latest payslip
• Copy of RSA ID
• Proof of residence
• Marriage Certificate (if Applicable)

SINGLE APPLICANT - OVERTIME

You will be required to supply the following documentation:

• 6 months bank statements
• 6 months salary slips
• Copy of RSA ID
• Proof of residence

JOINT APPLICANTS - OVERTIME

Each of you will be required to supply the following documentation:

• 6 months bank statements
• 6 months salary slips
• Copy of RSA ID
• Proof of residence

LEGAL MARRIAGE APPLICANTS - OVERTIME

If you are married in community of property then both of you have to apply individualy and have to supply a set of the below documents:

• 6 months bank statements
• 6 months salary slips
• Copy of RSA ID's
• Proof of residence
• Marriage Certificate

TRADITIONAL MARRIAGE APPLICANTS - OVERTIME

Some banks consider a traditional marriage as marriage in community of property, with or without a certificate. When you as a couple indicate on the application form that you are married traditionally, the application is seen as a C.O.P application. If only one person wants to apply then you should not indicate that you have a traditional marriage on the form as the banks will ask for your spouse’s documents as well. Each of you will be required to produce the following documentation:

• 6 months bank statements
• 6 months salary slips
• Copy of RSA ID's
• Proof of residence

LIFE PARTNER APPLICANTS - OVERTIME

Life partners are considered as a joint application. This is what some countries refer to as Common Law Marriage which is not recognised in South Africa. Each of you will be required to supply the following documentation:

• 6 months bank statements
• 6 months salary slips
• Copy of RSA ID's
• Proof of residence

DIVORCED APPLICANTS - OVERTIME

Divorced applicants are seen as single applicants and should supply the below documents. A separated applicant cannot apply for a bond without his spouse (if they are married in COP) until the divorce has been finalised by a court. If the separated individual is married out of community of property, then they are seen as a single applicant and must supply the below documents:

• 6 months bank statements
• 6 months salary slips
• Copy of RSA ID
• Proof of residence

NEARING RETIREMENT - OVERTIME

If you are 59 years or younger you will be able to apply for a home lone. But bear in mind, that your installment will be calculated on the number of years remaining up and till 65 years. Thus, if you have 6 years remaining before retirement, the home will have to be paid of in 6 years, increasing the installment substantially. It is strongly advisable that you put down a substantial deposit. You will be required to supply the following documentation:

• 6 months bank statements
• 6 months salary slips
• Copy of RSA ID's
• Proof of residence
• Marriage Certificate (if Applicable)

SINGLE APPLICANT - COMMISSION

You will be required to supply the following documentation:

• 6 months bank statements
• 6 months salary slips
• Copy of RSA ID
• Proof of residence

JOINT APPLICANTS - COMMISSION

Each of you will be required to supply the following documentation:

• 6 months bank statements
• 6 months salary slips
• Copy of RSA ID
• Proof of residence

LEGAL MARRIAGE APPLICANTS - COMMISSION

If you are married in community of property then both of you have to apply individually and have to supply a set of the below documents:

• 6 months bank statements
• 6 months salary slips
• Copy of RSA ID's
• Proof of residence
• Marriage Certificate

TRADITIONAL MARRIAGE APPLICANTS - COMMISSION

Some banks consider a traditional marriage as marriage in community of property, with or without a certificate. When you as a couple indicate on the application form that you are married traditionally, the application is seen as a C.O.P application. If only one person wants to apply then you should not indicate that you have a traditional marriage on the form as the banks will ask for your spouse’s documents as well. Each of you will be required to produce the following documentation:

• 6 months bank statements
• 6 months salary slips
• Copy of RSA ID
• Proof of residence

DIVORCED APPLICANTS - COMMISSION

Divorced applicants are seen as single applicants and should supply the below documents. A separated applicant cannot apply for a bond without his spouse (if they are married in COP) until the divorce has been finalised by a court. If the separated individual is married out of community of property, then they are seen as a single applicant and must supply the below documents:

• 6 months bank statements
• 6 months salary slips
• Copy of RSA ID
• Proof of residence

LIFE PARTNER APPLICANTS - COMMISSION

Life partners are considered as a joint application. This is what some countries refer to as Common Law Marriage which is not recognised in South Africa. Each of you will be required to supply the following documentation:

• 6 months bank statements
• 6 months salary slips
• Copy of RSA ID's
• Proof of residence

NEARING RETIREMENT - COMMISSION

If you are 59 years or younger you will be able to apply for a home lone. But bear in mind, that your installment will be calculated on the number of years remaining up and till 65 years. Thus, if you have 6 years remaining before retirement, the home will have to be paid of in 6 years, increasing the installment substantially. It is strongly advisable that you put down a substantial deposit. You will be required to supply the following documentation:

• 6 months bank statements
• 6 months salary slips
• Copy of RSA ID's
• Proof of residence
• Marriage Certificate (if Applicable)

SINGLE APPLICANT - SALARY AND ADDITIONAL INCOME (OTHER THAN OVERTIME OR COMMISSION)

You will be required to supply the following documentation:

• 6 months bank statements
• 6 months salary slips
• Proof of additional income
• Copy of RSA ID
• Proof of residence

JOINT APPLICANTS - SALARY AND ADDITIONAL INCOME (OTHER THAN OVERTIME OR COMMISSION)

Each of you will be required to supply the following documentation:

• 6 months bank statements
• 6 months salary slips
• Proof of additional income
• Copy of RSA ID
• Proof of residence

LEGAL MARRIAGE APPLICANTS - SALARY AND ADDITIONAL INCOME (OTHER THAN OVERTIME OR COMMISSION)

If you are married in community of property then both of you have to apply individualy and have to supply a set of the below documents:

• 6 months bank statements
• 6 months salary slips
• Copy of RSA ID's
• Proof of residence
• Marriage Certificate

TRADITIONAL MARRIAGE - SALARY AND ADDITIONAL INCOME (OTHER THAN OVERTIME OR COMMISSION)

Some banks consider a traditional marriage as marriage in community of property, with or without a certificate. When you as a couple indicate on the application form that you are married traditionally, the application is seen as a C.O.P application. If only one person wants to apply then you should not indicate that you have a traditional marriage on the form as the banks will ask for your spouse’s documents as well. Each of you will be required to produce the following documentation:

• 6 months bank statements
• 6 months salary slips
• Copy of RSA ID
• Proof of residence

LIFE PARTNER APPLICANTS - SALARY AND ADDITIONAL INCOME (OTHER THAN OVERTIME OR COMMISSION)

Life partners are considered as a joint application. This is what some countries refer to as Common Law Marriage which is not recognised in South Africa. Each of you will be required to supply the following documentation:

• 6 months bank statements
• 6 months salary slips
• Proof of additional income
• Copy of RSA ID's
• Proof of residence

DIVORCED APPLICANTS - SALARY AND ADDITIONAL INCOME (OTHER THAN OVERTIME OR COMMISSION)

Divorced applicants are seen as single applicants and should supply the below documents. A separated applicant cannot apply for a bond without his spouse (if they are married in COP) until the divorce has been finalised by a court. If the separated individual is married out of community of property, then they are seen as a single applicant and must supply the below documents:

• 6 months bank statements
• 6 months salary slips
• Proof of additional income
• Copy of RSA ID
• Proof of residence

NEARING RETIREMENT - SALARY AND ADDITIONAL INCOME (OTHER THAN OVERTIME OR COMMISSION)

If you are 59 years or younger you will be able to apply for a home lone. But bear in mind, that your installment will be calculated on the number of years remaining up and till 65 years. Thus, if you have 6 years remaining before retirement, the home will have to be paid of in 6 years, increasing the installment substantially. It is strongly advisable that you put down a substantial deposit. You will be required to supply the following documentation:

• 6 months bank statements
• 6 months salary slips
• Proof of additional income
• Copy of RSA ID's
• Proof of residence
• Marriage Certificate (if Applicable)

UNEMPLOYED APPLICANTS

If you are unemployed, you will be able to apply only if you apply together with a single applicant or if you can proof sufficient long term income from sources other than employment such as investments, pension, property, etc. You will be required to produce the following documentation:

• 6 months bank statements
• Proof of additional income other than salary
• Copy of RSA ID
• Proof of residence

Please take note of the following:

Quality of documents

Where possible, all documentation must be original.

Proof or residence

Retail accounts, affidavits or print outs from the banks are not accepted as proof of residence. Original municipal accounts, letter from co-habitant with municipal account in co-habitants name, letter form a traditional leader, police station of religious minister if living in a trust area or rental agreement is allowed.

Payslips

Payslips must be original, not older than 1 month, must have the employees name, surname and employee number (where applicable) clearly shown.

Bank statements

The latest bank statement is not allowed to be older than one (1) week and must be original with the client name and surname clearly shown. If the statement was acquired directly at the banks, it must have the particular banks date stamp on.

Overtime or commission payments

The banks need 6 months’ payslips to work out an applicant’s average over-time or commission income. The payslip with the highest over-time or commission payment is omitted to calculate the average income for the remaining 5 months.

Proof of income other than from a salary

The applicant will be required to show sufficient proof from the relevant source where the income is derived over a period of a minimum of 6 months. The bank may require the applicant to proof the sustainability of the income over a longer period.

Deposit payments

Should a client which to make a deposit payment in order to reduce their instalment, or if the bank requires the client to make a deposit contribution, the client will be required to show proof of such funds. The client will be required to transfer the deposit payment into the attorney’s trust account where it will gain interest until the house registers. The interest received on the deposit will be paid over to the client on registration.