Property Loans

Key Features

✅ Loan Types:

• Home Loans (Bonds): R100k – R5M (Primary residence)

• Buy-to-Let: Up to R10M (Rental properties)

• Land Loans: Up to 70% of land value

• Renovation Finance: R50k – R2M (Post-purchase upgrades)

✅ Interest Rates:

• Prime – 0.5% (Best clients)

• Prime + 1–3% (Standard)

• Fixed Rate Options: 2–5 year lock-ins

✅ Deposit Requirements:

• First-Time Buyers: 5%

• Investors: 7%

Target Market

• First-Time Homebuyers (DA Young Professionals)

• Property Investors (Building portfolios)

• Retirees (Downsizing or equity release)

• Land Developers (Serviced stands)

How Kamina’s Property Loans Stand Out

🔹 Faster Approvals: 72-hour pre-approvals (vs. banks’ 14+ days)
🔹 Alternative Qualification:

• Rental income considered

• Foreign applicants welcome
  🔹 Special Programs:

• “Rent-to-Own” – 3-year path to ownership

• “Green Home Discount” – 0.25% rate reduction for energy-efficient homes

Compliance & Risk Management

⚠ Regulatory Requirements:

• NCR affordability assessments

• Property valuations via SAIVS-registered appraisers

• FICA documentation

⚠ Kamina Safeguards:

• 12-Month Payment Holiday Option (Job loss protection)

• Equity Protection Guarantee (Prevents negative equity)