Capitec Home Loan review: get a loan easily

No collateral requirements and no penalty for early payment. Learn all you need to know about this loan in our Capitec home loan review.


Capitec Home Loan: Low interest rates, flexible repayment terms, and no monthly service fees

Capitec home loan
This is your chance to get a new home. Source: The Post New.

Welcome to this comprehensive Capitec home loan review. In this review, we will explore the loan’s low-interest rate, flexible repayment terms, and no initiation fee.

Capitec home loan

How to apply for Capitec home loan

Read to get a loan with low interest and flexible repayment options? Then follow our Capitec home loan application guide.

The Capitec home loan is best for South African individuals with good credit and seeking affordable and flexible mortgage options. Read on and learn more about it!

  • Interest Rate: Not Specified
  • Loan Purpose: Home Loan
  • Loan Amount: Not Specified
  • Repayment Terms: Not Specified
  • Credit Needed: Good to Excellent
  • Initiation Fee: Not Specified

How does Capitec home loan work?

Capitec Home Loans offers a quick and easy process to apply for a home loan or switch an existing home loan. 

You can apply online in four easy steps or visit a branch. The benefits of a Capitec home loan are many. You’ll get a competitive interest rate, and up to 50% off bond attorney fees. 

Additionally, you have access to a dedicated property finance consultant who guides and supports you throughout the process. 

Capitec also offers an affordability calculator to help you prepare for all the costs. If you switch your existing home loan, you may pay a lower interest rate and monthly installment. 

Also, you may have access to any extra value in your property. Capitec can also help finance the costs of registering a new bond or home loan. 

Furthermore, government employees applying for a home loan or switching an existing bond can qualify for a discounted interest rate. 

Just use the Government Employee Housing Scheme (GEHS) stop order to SA Home Loans. 

Further, Anyone between 18 and 60 years old, permanently employed or self-employed, with a good credit record and not under debt counselling can qualify for a Capitec home loan. 

Also, the maximum home loan amount on offer for permanently employed clients is R5 million and R3.9 million for self-employed clients. 

The Capitec Home Loans affordability calculator provides an estimate, but the final offer is subject to a full risk, affordability, and credit assessment. 

You do not have to be a Capitec client to apply for a home loan, and Capitec can assist with financing investment properties. 

However, the maximum loan will only be up to 80% of the value of the property, and you will have to pay a 20% deposit upfront.

Capitec home loan: should you apply for it?

Capitec home loan
Get a home loan with competitive low interest rates. Source: Canva.

To close our Capitec home loan review, let’s put pros and cons side by side for comparison. Check out the list we’ve prepared below.


  • Low interest rate
  • Flexible repayment terms
  • No penalty for early payment
  • No collateral needed


  • Limited loan amount
  • High initiation fee
  • Strict credit requirements
  • No information on customer service quality

What is the required credit score?

The Capitec home loan requires applicants to have Good or Excellent credit in order to be eligible for this loan.

Learn how to apply for Capitec home loan

If you’re ready to apply for the Capitec home loan, we’ve got you covered. Follow our quick and easy application guide by clicking the link below.

Capitec home loan

How to apply for Capitec home loan

Read to get a loan with low interest and flexible repayment options? Then follow our Capitec home loan application guide.

About the author  /  Danilo Pereira

Danilo is a copywriter with a passion for learning. Deeply interested in philosophy, politics and arts.

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