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The Capitec Home Loan offers low interest rates and customized repayment terms to suit your needs.

Capitec Home Loan: Low-interest rates, flexible terms, rewards program, and online application.


The Capitec Home Loan is ideal for first-time homebuyers with good credit. It features low interest rates, flexible repayment terms, no deposit required, and a cashback reward upon registration. The application process is simple and can be completed quickly with the help of Capitec’s online application guide.


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Are you looking for a home loan that can help make your dreams of owning property come true? If so, you might want to consider the benefits of taking out a Capitec Home Loan. See them next!

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

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The minimum credit score required for a Capitec home loan is 650.

Fortunately, with Capitec’s home loan, it’s not. They offer a 100% home loan option that doesn’t require any deposit, which can be beneficial for first-time homebuyers or those who may not have significant savings for a deposit. This also means that the borrower doesn’t have to dip into their savings to pay for the deposit, allowing them to have more financial flexibility. However, it’s essential to keep in mind that although a deposit may not be necessary, it may still be a good idea to put down a deposit to reduce the overall loan amount and monthly payments.

Yes, you can choose to repay your Capitec home loan early without incurring any penalties. In fact, doing so can help you save on interest payments.

Generally, Capitec aims to complete the processing within five business days. It’s important to note that the exact processing time may vary based on individual circumstances. Some factors that can affect the processing time include the complexity of the application, the completeness of the information provided, and any additional documentation required. Capitec may also need to conduct a property valuation to ensure that the loan amount requested is appropriate for the value of the property being purchased.

To be eligible for a Capitec home loan, you need to have a good credit score, a regular income, and be able to provide proof of income, employment, and identification. You also need to be at least 18 years old and a South African citizen or permanent resident.

Want to learn more about the Capitec home loan and how to apply? Click the link below to access our application guide.

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.

If you are seeking an additional loan option to compare before making a decision, we are here to assist. Take a look at the African Bank Personal Loan.

African Bank offers loans up to R350,000, depending on your needs, which can be repaid over a period of 72 months. 

The payment plans are designed to be affordable, enabling you to spread the loan expenses over an extended period, making financial management easier.

If this sounds appealing to you, click on the provided link below to discover more about this loan option.

African Bank Personal Loan

How to apply African Bank Personal Loan

The application process for the African Bank Personal Loan is quick, easy, and can get you the funds you need when you need them.

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