<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>Mortgage &#38; Property Talk SA &#187; applying for a mortgage</title>
	<atom:link href="http://mortgagepluscc.co.za/blog/tag/applying-for-a-mortgage/feed/" rel="self" type="application/rss+xml" />
	<link>http://mortgagepluscc.co.za/blog</link>
	<description>South Africa&#039;s Leading Bond Originator and Home Loan Advisors</description>
	<lastBuildDate>Thu, 09 Feb 2012 10:38:45 +0000</lastBuildDate>
	<generator>http://wordpress.org/?v=2.9.2</generator>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
			<item>
		<title>Mortgage and Home Loan Terms Glossary</title>
		<link>http://mortgagepluscc.co.za/blog/2012/01/mortgage-and-home-loan-terms-glossary/</link>
		<comments>http://mortgagepluscc.co.za/blog/2012/01/mortgage-and-home-loan-terms-glossary/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 09:05:06 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[a mortgage loan]]></category>
		<category><![CDATA[affordability]]></category>
		<category><![CDATA[applying for a mortgage]]></category>
		<category><![CDATA[assist buyers]]></category>
		<category><![CDATA[body corporate]]></category>
		<category><![CDATA[bond]]></category>
		<category><![CDATA[Bond Registration]]></category>
		<category><![CDATA[Bond Term]]></category>
		<category><![CDATA[BRIDGING FINANCE]]></category>
		<category><![CDATA[Building Loan]]></category>
		<category><![CDATA[capital gains tax]]></category>
		<category><![CDATA[commercial property]]></category>
		<category><![CDATA[deed of sale]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[financial institution]]></category>
		<category><![CDATA[first mortgage]]></category>
		<category><![CDATA[fixed interest rate]]></category>
		<category><![CDATA[guarantee]]></category>
		<category><![CDATA[homeloan]]></category>
		<category><![CDATA[mortgage originator]]></category>
		<category><![CDATA[Mortgagee]]></category>
		<category><![CDATA[Mortgagor]]></category>
		<category><![CDATA[offer to purchase]]></category>
		<category><![CDATA[repo rate]]></category>
		<category><![CDATA[Repossession of Property]]></category>
		<category><![CDATA[Second Bond or Mortgage]]></category>
		<category><![CDATA[Transfer Costs]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=4359</guid>
		<description><![CDATA[

Act A form of legislation passed by the courts for the government.
Addendum A  supplementary and separate agreement to an original sale contract, and  should it contradict the original contract, it is presumed to overrule  it.
Administration Fee The monthly cost that the bank charges to handle a mortgage loan.
Affordability Analysis An analysis of [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2012/01/mortgage-and-home-loan-terms-glossary/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Home buying tips and Mortgage information</title>
		<link>http://mortgagepluscc.co.za/blog/2010/07/home-buying-tips-and-mortgage-information/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/07/home-buying-tips-and-mortgage-information/#comments</comments>
		<pubDate>Fri, 16 Jul 2010 10:05:09 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[applying for a bond]]></category>
		<category><![CDATA[applying for a home loan]]></category>
		<category><![CDATA[applying for a mortgage]]></category>
		<category><![CDATA[authorised financial service provider]]></category>
		<category><![CDATA[authorised financial services provider]]></category>
		<category><![CDATA[bigger bond approved]]></category>
		<category><![CDATA[bigger home loan approved]]></category>
		<category><![CDATA[bigger mortgage approved]]></category>
		<category><![CDATA[bond calculator]]></category>
		<category><![CDATA[bond companies]]></category>
		<category><![CDATA[bond contribution]]></category>
		<category><![CDATA[bond cover]]></category>
		<category><![CDATA[bond information]]></category>
		<category><![CDATA[bond originator]]></category>
		<category><![CDATA[bond premiums]]></category>
		<category><![CDATA[bond solutions]]></category>
		<category><![CDATA[bond terms glossary]]></category>
		<category><![CDATA[bond type]]></category>
		<category><![CDATA[buying a bigger property]]></category>
		<category><![CDATA[Buying a cheaper property]]></category>
		<category><![CDATA[buying a home]]></category>
		<category><![CDATA[buying a more expensive property]]></category>
		<category><![CDATA[buying property]]></category>
		<category><![CDATA[cheap properties]]></category>
		<category><![CDATA[experiencing cash flow problems]]></category>
		<category><![CDATA[financially secure]]></category>
		<category><![CDATA[fixed-rate bonds]]></category>
		<category><![CDATA[Home buying tips]]></category>
		<category><![CDATA[home loan calculator]]></category>
		<category><![CDATA[home loan information]]></category>
		<category><![CDATA[home loan terminology]]></category>
		<category><![CDATA[home loans to suit your needs]]></category>
		<category><![CDATA[income protector]]></category>
		<category><![CDATA[interest rate hikes]]></category>
		<category><![CDATA[interest rate increases]]></category>
		<category><![CDATA[interest rated linked home loans]]></category>
		<category><![CDATA[life assurance cover]]></category>
		<category><![CDATA[lifestyle requirements]]></category>
		<category><![CDATA[liquid investment]]></category>
		<category><![CDATA[maintenance and bond cover]]></category>
		<category><![CDATA[maximum bond amount]]></category>
		<category><![CDATA[mortgage bond information]]></category>
		<category><![CDATA[mortgage calculator]]></category>
		<category><![CDATA[Mortgage information]]></category>
		<category><![CDATA[mortgage premiums]]></category>
		<category><![CDATA[property investors]]></category>
		<category><![CDATA[Property levies]]></category>
		<category><![CDATA[property related levies]]></category>
		<category><![CDATA[property taxes]]></category>
		<category><![CDATA[property-related needs]]></category>
		<category><![CDATA[regular monthly expenses]]></category>
		<category><![CDATA[repaying a bond]]></category>
		<category><![CDATA[Second mortgages]]></category>
		<category><![CDATA[South African bond companies]]></category>
		<category><![CDATA[starting a home business]]></category>
		<category><![CDATA[the property market]]></category>
		<category><![CDATA[the right type of bond]]></category>
		<category><![CDATA[the right type of home loan]]></category>
		<category><![CDATA[the right type of mortgage]]></category>
		<category><![CDATA[total expenses]]></category>
		<category><![CDATA[total income]]></category>
		<category><![CDATA[types of home loans]]></category>
		<category><![CDATA[Variable Rate Mortgages]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=1971</guid>
		<description><![CDATA[Home buying tips and Mortgage information
When it comes to buying property and applying for a bond, knowledge is power. Buying a home is a serious financial commitment, and certainly not one you should rush into blindly. Do your homework properly; speak to an authorised financial service provider such as your banker or broker, but also get [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/07/home-buying-tips-and-mortgage-information/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A Mortgage Negotiator Between You And The Bank</title>
		<link>http://mortgagepluscc.co.za/blog/2010/07/a-mortgage-negotiator-between-you-and-the-bank/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/07/a-mortgage-negotiator-between-you-and-the-bank/#comments</comments>
		<pubDate>Wed, 07 Jul 2010 12:05:48 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[a better rate]]></category>
		<category><![CDATA[a bond originator]]></category>
		<category><![CDATA[a down payment]]></category>
		<category><![CDATA[a loan]]></category>
		<category><![CDATA[Applying for a loan]]></category>
		<category><![CDATA[applying for a mortgage]]></category>
		<category><![CDATA[Approach a financial institution for a mortgage]]></category>
		<category><![CDATA[bond originator]]></category>
		<category><![CDATA[Bond originator’s]]></category>
		<category><![CDATA[buying a home]]></category>
		<category><![CDATA[different banks]]></category>
		<category><![CDATA[financial institutions]]></category>
		<category><![CDATA[Get approved for a mortgage]]></category>
		<category><![CDATA[granted]]></category>
		<category><![CDATA[Mortgage Negotiator]]></category>
		<category><![CDATA[mortgages rates]]></category>
		<category><![CDATA[professionals]]></category>
		<category><![CDATA[provide mortgages]]></category>
		<category><![CDATA[purchase your first home]]></category>
		<category><![CDATA[securing a home loan]]></category>
		<category><![CDATA[Simplifies the home loan process]]></category>
		<category><![CDATA[The bank originator]]></category>
		<category><![CDATA[The best possible rate]]></category>
		<category><![CDATA[The loan applicant]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=1819</guid>
		<description><![CDATA[A Bond Originator Works As A Mortgage Negotiator Between You And The Bank
Everyone dreams of buying a home and typically will save for a while in order to secure a down payment. Traditionally once you are ready to purchase your first home you will approach a financial institution for a mortgage. Then you would wait [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/07/a-mortgage-negotiator-between-you-and-the-bank/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Everything You Need to Know Before Buying Your First Home.</title>
		<link>http://mortgagepluscc.co.za/blog/2010/06/everything-you-need-to-know-before-buying-your-first-home/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/06/everything-you-need-to-know-before-buying-your-first-home/#comments</comments>
		<pubDate>Thu, 03 Jun 2010 10:37:23 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[a monthly bond installment]]></category>
		<category><![CDATA[a pre-approved bond]]></category>
		<category><![CDATA[Agents]]></category>
		<category><![CDATA[application]]></category>
		<category><![CDATA[Applying for a first time home buyer loan]]></category>
		<category><![CDATA[applying for a home loan]]></category>
		<category><![CDATA[Applying for a loan]]></category>
		<category><![CDATA[applying for a mortgage]]></category>
		<category><![CDATA[applying for a mortgage loan]]></category>
		<category><![CDATA[Applying for a new loan]]></category>
		<category><![CDATA[Applying for a property loan]]></category>
		<category><![CDATA[approved]]></category>
		<category><![CDATA[Banks']]></category>
		<category><![CDATA[before buying your first home]]></category>
		<category><![CDATA[bond instalment]]></category>
		<category><![CDATA[bond you can qualify for]]></category>
		<category><![CDATA[Buying Your First Home]]></category>
		<category><![CDATA[Conveyancing Attorneys]]></category>
		<category><![CDATA[Deeds Office]]></category>
		<category><![CDATA[Electrical Clearance Certificate]]></category>
		<category><![CDATA[first home]]></category>
		<category><![CDATA[first home loan]]></category>
		<category><![CDATA[first-time home buyer]]></category>
		<category><![CDATA[free application]]></category>
		<category><![CDATA[High interest rates]]></category>
		<category><![CDATA[house insurance]]></category>
		<category><![CDATA[interest rate calculation]]></category>
		<category><![CDATA[larger loan amount]]></category>
		<category><![CDATA[life policy]]></category>
		<category><![CDATA[maximum loan term]]></category>
		<category><![CDATA[money to buy]]></category>
		<category><![CDATA[monthly expenses]]></category>
		<category><![CDATA[mortgage (bond) protection insurance]]></category>
		<category><![CDATA[mortgage bond]]></category>
		<category><![CDATA[new home]]></category>
		<category><![CDATA[new properties]]></category>
		<category><![CDATA[obtaining a home loan]]></category>
		<category><![CDATA[occupational rent]]></category>
		<category><![CDATA[offer to purchase]]></category>
		<category><![CDATA[Offer to Purchase will terminate]]></category>
		<category><![CDATA[owning your own home]]></category>
		<category><![CDATA[payment terms]]></category>
		<category><![CDATA[Pre-approved]]></category>
		<category><![CDATA[pre-approved bond]]></category>
		<category><![CDATA[pre-approved bonds in sa]]></category>
		<category><![CDATA[purchase price]]></category>
		<category><![CDATA[qualify for a home loan]]></category>
		<category><![CDATA[renting a home]]></category>
		<category><![CDATA[repossessed homes]]></category>
		<category><![CDATA[requirements]]></category>
		<category><![CDATA[start looking at homes]]></category>
		<category><![CDATA[the best interest rate]]></category>
		<category><![CDATA[the Best interest rates in SA]]></category>
		<category><![CDATA[the perfect house]]></category>
		<category><![CDATA[the property market]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=1652</guid>
		<description><![CDATA[Buying Your First Home: Everything You Need to Know Before Taking the Leap
Buying your first home can be a daunting experience; with all the hype in the news about high interest rates, repossessed homes, and the near impossibility of obtaining a home loan most people are running, sprinting, towards renting a home instead of running [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/06/everything-you-need-to-know-before-buying-your-first-home/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How are Mortgages, Bonds and Home Loans Approved?</title>
		<link>http://mortgagepluscc.co.za/blog/2010/01/how-are-mortgages-bonds-and-home-loans-approved/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/01/how-are-mortgages-bonds-and-home-loans-approved/#comments</comments>
		<pubDate>Tue, 05 Jan 2010 10:00:30 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[additional finance]]></category>
		<category><![CDATA[additional finance on your home loan]]></category>
		<category><![CDATA[applying for a mortgage]]></category>
		<category><![CDATA[calculating your affordability]]></category>
		<category><![CDATA[Click Here]]></category>
		<category><![CDATA[compare the repayments]]></category>
		<category><![CDATA[consolidating debt]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[CREDIT HISTORY]]></category>
		<category><![CDATA[experienced mortgage broker]]></category>
		<category><![CDATA[FREE quote]]></category>
		<category><![CDATA[granting a mortgage]]></category>
		<category><![CDATA[gross income]]></category>
		<category><![CDATA[improved cash flow]]></category>
		<category><![CDATA[Investment Income]]></category>
		<category><![CDATA[Just apply]]></category>
		<category><![CDATA[lower bond amount]]></category>
		<category><![CDATA[mortgage application]]></category>
		<category><![CDATA[mortgage payments]]></category>
		<category><![CDATA[MORTGAGE QUALIFICATION CRITERIA]]></category>
		<category><![CDATA[nationally recognized lenders]]></category>
		<category><![CDATA[Personal Loans]]></category>
		<category><![CDATA[Property]]></category>
		<category><![CDATA[PROPERTY VALUATION]]></category>
		<category><![CDATA[qualifying for a mortgage]]></category>
		<category><![CDATA[Regular Commissions]]></category>
		<category><![CDATA[Regular Incentives]]></category>
		<category><![CDATA[rental income]]></category>
		<category><![CDATA[Retirement Income]]></category>
		<category><![CDATA[Salaries & Wages]]></category>
		<category><![CDATA[short application form]]></category>
		<category><![CDATA[store cards]]></category>
		<category><![CDATA[TOTAL DEBT]]></category>
		<category><![CDATA[value of the property]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=1165</guid>
		<description><![CDATA[
Lenders will take the following into account with every mortgage application.
INCOME
When applying for a mortgage, lenders will look at your total income before any deductions (gross income) to access if you would be able to afford the mortgage payments. Lenders will consider the following as income:
-Salaries &#38; Wages
-Regular Incentives
-Investment Income
-Retirement Income
-Regular Commissions
-Rental Income
CREDIT HISTORY
To qualify [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/01/how-are-mortgages-bonds-and-home-loans-approved/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to get the best home loan in South Africa.</title>
		<link>http://mortgagepluscc.co.za/blog/2009/11/how-to-get-the-best-home-loan-in-south-africa/</link>
		<comments>http://mortgagepluscc.co.za/blog/2009/11/how-to-get-the-best-home-loan-in-south-africa/#comments</comments>
		<pubDate>Tue, 10 Nov 2009 14:40:10 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[Apply at www.mortgagepluscc.co.za]]></category>
		<category><![CDATA[applying for a bonds]]></category>
		<category><![CDATA[applying for a home loan]]></category>
		<category><![CDATA[applying for a mortgage]]></category>
		<category><![CDATA[benefits]]></category>
		<category><![CDATA[Expert advice]]></category>
		<category><![CDATA[financial needs]]></category>
		<category><![CDATA[Free service]]></category>
		<category><![CDATA[home loan application]]></category>
		<category><![CDATA[home loans in South Africa]]></category>
		<category><![CDATA[major banks]]></category>
		<category><![CDATA[mortgage originators]]></category>
		<category><![CDATA[New home loans]]></category>
		<category><![CDATA[Quick results]]></category>
		<category><![CDATA[Save Thousands]]></category>
		<category><![CDATA[securing the best home loan]]></category>
		<category><![CDATA[securing the best home loan deal]]></category>
		<category><![CDATA[South Africa]]></category>
		<category><![CDATA[the best home loan]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=600</guid>
		<description><![CDATA[By now you have found the house you really want and all that is left is for you to get the best home loan deal. Here is a way to get the best home loan deal in South Africa.
 
 

The major factors to consider when applying for a home loan in South Africa are, the type [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2009/11/how-to-get-the-best-home-loan-in-south-africa/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
	</channel>
</rss>

