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	<title>Mortgage &#38; Property Talk SA &#187; calculating</title>
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	<link>http://mortgagepluscc.co.za/blog</link>
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		<title>Home Loan and Mortgage Bond Calculators NEW!</title>
		<link>http://mortgagepluscc.co.za/blog/2011/08/home-loan-and-mortgage-calculators-new/</link>
		<comments>http://mortgagepluscc.co.za/blog/2011/08/home-loan-and-mortgage-calculators-new/#comments</comments>
		<pubDate>Mon, 15 Aug 2011 11:59:01 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[a free pre-approval]]></category>
		<category><![CDATA[affordability]]></category>
		<category><![CDATA[affordability calculator]]></category>
		<category><![CDATA[amortization]]></category>
		<category><![CDATA[amount]]></category>
		<category><![CDATA[based]]></category>
		<category><![CDATA[bond]]></category>
		<category><![CDATA[bond calculator]]></category>
		<category><![CDATA[Bond Calculator Objectives]]></category>
		<category><![CDATA[bond calculators]]></category>
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		<category><![CDATA[bond cost calculator]]></category>
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		<category><![CDATA[bond repayment]]></category>
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		<category><![CDATA[bond repayments]]></category>
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		<category><![CDATA[bondcalculators.co.za]]></category>
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		<category><![CDATA[Using a Bond Calculator]]></category>
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		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=3462</guid>
		<description><![CDATA[Mortgage Plus Home Loan calculators help you make the right decision* 
Bond Calculator Objectives 
The most common calculation objectives when using bond calculators are calculating monthly bond repayments &#38; interest, determining levels of affordability, calculating the income qualification benchmark based on a required bond amount and analyzing optimal bond repayment options.
All of these objectives can [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bond Calculator Objectives &#124; Bond Calculators SA</title>
		<link>http://mortgagepluscc.co.za/blog/2011/08/bond-calculator-objectives-bond-calculators-sa/</link>
		<comments>http://mortgagepluscc.co.za/blog/2011/08/bond-calculator-objectives-bond-calculators-sa/#comments</comments>
		<pubDate>Wed, 03 Aug 2011 13:15:56 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[additional bond calculations]]></category>
		<category><![CDATA[affordability]]></category>
		<category><![CDATA[bond affordability]]></category>
		<category><![CDATA[bond calculations]]></category>
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		<category><![CDATA[bond calculator excel]]></category>
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		<category><![CDATA[required bond amount]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=3452</guid>
		<description><![CDATA[Bond Calculator Objectives &#124; Bond Calculators
The most common calculation objectives when using bond calculators are calculating monthly bond repayments &#38; interest, determining levels of affordability, calculating the income qualification benchmark based on a required bond amount and analyzing optimal bond repayment options.
All of these objectives can be met by using our bond calculators. We also [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What to Consider before Seeking a New Home Loan</title>
		<link>http://mortgagepluscc.co.za/blog/2011/04/what-to-consider-before-seeking-a-new-home-loan/</link>
		<comments>http://mortgagepluscc.co.za/blog/2011/04/what-to-consider-before-seeking-a-new-home-loan/#comments</comments>
		<pubDate>Wed, 20 Apr 2011 08:56:37 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[100% loans are available]]></category>
		<category><![CDATA[a bond originator]]></category>
		<category><![CDATA[a fixed rate bond]]></category>
		<category><![CDATA[A fixed rate mortgage]]></category>
		<category><![CDATA[able]]></category>
		<category><![CDATA[afford]]></category>
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		<category><![CDATA[apply]]></category>
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		<category><![CDATA[arranging a home loan]]></category>
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		<category><![CDATA[The bond originator]]></category>
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		<category><![CDATA[transfer duty]]></category>
		<category><![CDATA[very]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=3163</guid>
		<description><![CDATA[Buying a home is often the single biggest investment most people make. As a result it is essential for home buyers to ensure they are fully prepared before getting on to the property ladder. South Africa&#8217;s leading bond originators, answers ten questions  for new homebuyers to consider:
1.      How much can I afford to spend on [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2011/04/what-to-consider-before-seeking-a-new-home-loan/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Calculate Home Loan repayments &#124;Interest rate margins</title>
		<link>http://mortgagepluscc.co.za/blog/2011/03/calculate-home-loan-repayments-interest-rate-margins/</link>
		<comments>http://mortgagepluscc.co.za/blog/2011/03/calculate-home-loan-repayments-interest-rate-margins/#comments</comments>
		<pubDate>Thu, 31 Mar 2011 09:02:17 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[advice]]></category>
		<category><![CDATA[african]]></category>
		<category><![CDATA[bond]]></category>
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		<category><![CDATA[bonds]]></category>
		<category><![CDATA[calculating]]></category>
		<category><![CDATA[calculating repayments]]></category>
		<category><![CDATA[current rate of 9%]]></category>
		<category><![CDATA[end]]></category>
		<category><![CDATA[expenditure]]></category>
		<category><![CDATA[financial difficulties]]></category>
		<category><![CDATA[Further]]></category>
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		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=3078</guid>
		<description><![CDATA[When calculating repayments leave a margin for interest rate rises
With South African interest rates at almost record low levels, there is, says Lanice Steward, Managing Director of Anne Porter Properties, a danger (as has happened more than once in South Africa&#8217;s history) of inexperienced buyers forgetting that interest rates will inevitably rise in the end, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to get a home loan approved &#124; Home Buyers</title>
		<link>http://mortgagepluscc.co.za/blog/2011/03/how-to-get-a-home-loan-approved-home-buyers/</link>
		<comments>http://mortgagepluscc.co.za/blog/2011/03/how-to-get-a-home-loan-approved-home-buyers/#comments</comments>
		<pubDate>Tue, 22 Mar 2011 13:09:57 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[100% free service]]></category>
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		<category><![CDATA[apply online]]></category>
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		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=3033</guid>
		<description><![CDATA[How to get a home loan approved 
Even though property prices have soared in recent years, you can probably still obtain a home loan to buy your own home if you are earning a regular salary. Here are some ways that you can get that home loan you need to become a home owner without [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Ten tips for new property buyers and First time buyers</title>
		<link>http://mortgagepluscc.co.za/blog/2011/03/ten-tips-for-new-property-buyers-and-first-time-buyers/</link>
		<comments>http://mortgagepluscc.co.za/blog/2011/03/ten-tips-for-new-property-buyers-and-first-time-buyers/#comments</comments>
		<pubDate>Thu, 10 Mar 2011 10:08:26 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
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		<category><![CDATA[putting down a deposit]]></category>
		<category><![CDATA[qualify criteria]]></category>
		<category><![CDATA[rate]]></category>
		<category><![CDATA[repayment on property]]></category>
		<category><![CDATA[repayment-to-income ratio]]></category>
		<category><![CDATA[required loan amount]]></category>
		<category><![CDATA[South African homebuyers]]></category>
		<category><![CDATA[South Africa’s leading]]></category>
		<category><![CDATA[very]]></category>
		<category><![CDATA[your bond originator]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=2979</guid>
		<description><![CDATA[Buying a home is often the single biggest investment most people make. The largest proportion of home buyers seek a mortgage bond. As a result it is essential for buyers to ensure they are fully prepared for making a bond application.
The better prepared, the better the chance of getting the application approved. Rhys Dyer, Chief [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2011/03/ten-tips-for-new-property-buyers-and-first-time-buyers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>First time buyers &#124; Advice on how to get a mortgage approved.</title>
		<link>http://mortgagepluscc.co.za/blog/2010/10/first-time-buyers-advice-on-how-to-get-a-mortgage-approved/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/10/first-time-buyers-advice-on-how-to-get-a-mortgage-approved/#comments</comments>
		<pubDate>Mon, 18 Oct 2010 10:56:23 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[a statement of assets]]></category>
		<category><![CDATA[affordability]]></category>
		<category><![CDATA[answers]]></category>
		<category><![CDATA[apply for]]></category>
		<category><![CDATA[approach multiple banks]]></category>
		<category><![CDATA[bank fees]]></category>
		<category><![CDATA[bank statements]]></category>
		<category><![CDATA[banks criteria]]></category>
		<category><![CDATA[bigger deposit]]></category>
		<category><![CDATA[bond applications]]></category>
		<category><![CDATA[bond registration fees]]></category>
		<category><![CDATA[borrow]]></category>
		<category><![CDATA[budgeted]]></category>
		<category><![CDATA[buying a home]]></category>
		<category><![CDATA[calculate the transfer and registration costs]]></category>
		<category><![CDATA[calculating]]></category>
		<category><![CDATA[credit profile]]></category>
		<category><![CDATA[criteria]]></category>
		<category><![CDATA[determining what you can afford]]></category>
		<category><![CDATA[exact costs]]></category>
		<category><![CDATA[facilitating bond negotiations]]></category>
		<category><![CDATA[financial situation]]></category>
		<category><![CDATA[first step]]></category>
		<category><![CDATA[first time buyers' FAQs]]></category>
		<category><![CDATA[first-time home buyer]]></category>
		<category><![CDATA[fix your interest rate]]></category>
		<category><![CDATA[Fixed rates]]></category>
		<category><![CDATA[get the best interest rate]]></category>
		<category><![CDATA[help you]]></category>
		<category><![CDATA[home loan criteria]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[insolvent]]></category>
		<category><![CDATA[legal costs]]></category>
		<category><![CDATA[lending funds]]></category>
		<category><![CDATA[less hassle and minimal paperwork]]></category>
		<category><![CDATA[liabilities]]></category>
		<category><![CDATA[loan amount]]></category>
		<category><![CDATA[loan documentation required]]></category>
		<category><![CDATA[Loan-to-Value ratio]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[monthly repayments]]></category>
		<category><![CDATA[multiple lenders]]></category>
		<category><![CDATA[negotiating the best]]></category>
		<category><![CDATA[negotiating the best deal]]></category>
		<category><![CDATA[net disposable income]]></category>
		<category><![CDATA[new home]]></category>
		<category><![CDATA[New Home Loans in South Africa]]></category>
		<category><![CDATA[obtain fast approval]]></category>
		<category><![CDATA[paying a deposit]]></category>
		<category><![CDATA[positive outcome]]></category>
		<category><![CDATA[potential first time buyers]]></category>
		<category><![CDATA[Prequalification]]></category>
		<category><![CDATA[properties]]></category>
		<category><![CDATA[provides bond answers]]></category>
		<category><![CDATA[provides home loan answers]]></category>
		<category><![CDATA[provides mortgage answers]]></category>
		<category><![CDATA[purchase price]]></category>
		<category><![CDATA[residential property market]]></category>
		<category><![CDATA[salary slips]]></category>
		<category><![CDATA[save you thousands]]></category>
		<category><![CDATA[self employed]]></category>
		<category><![CDATA[service is free to homebuyers]]></category>
		<category><![CDATA[services of a bond originator]]></category>
		<category><![CDATA[shop around]]></category>
		<category><![CDATA[Shopping around]]></category>
		<category><![CDATA[Should I use a bond originator?]]></category>
		<category><![CDATA[submit to the bank]]></category>
		<category><![CDATA[the best rate]]></category>
		<category><![CDATA[the latest]]></category>
		<category><![CDATA[transfer duty]]></category>
		<category><![CDATA[upfront costs]]></category>
		<category><![CDATA[variable rates]]></category>
		<category><![CDATA[your bond originator]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=2354</guid>
		<description><![CDATA[First time buyers&#8217; FAQs
With the recovery in the residential property market looking set to continue, an increasing number of potential first time buyers are considering making what will be the largest purchase of their lives so far.
Craig Deats, provides answers to some of the most commonly asked questions by these first-time buyers:
How much can I [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/10/first-time-buyers-advice-on-how-to-get-a-mortgage-approved/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>First-time buyers &#8211; Increasing energy costs</title>
		<link>http://mortgagepluscc.co.za/blog/2010/10/first-time-buyers-increasing-energy-costs/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/10/first-time-buyers-increasing-energy-costs/#comments</comments>
		<pubDate>Tue, 12 Oct 2010 11:30:30 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[become homeowners]]></category>
		<category><![CDATA[buy a bargain]]></category>
		<category><![CDATA[calculating]]></category>
		<category><![CDATA[electricity charges]]></category>
		<category><![CDATA[electricity meter]]></category>
		<category><![CDATA[energy-efficient]]></category>
		<category><![CDATA[energy-saving improvements]]></category>
		<category><![CDATA[expenditure on electricity]]></category>
		<category><![CDATA[finding rental accommodation]]></category>
		<category><![CDATA[First time buyers]]></category>
		<category><![CDATA[go house hunting]]></category>
		<category><![CDATA[home purchase deposit]]></category>
		<category><![CDATA[Increasing energy costs]]></category>
		<category><![CDATA[International property]]></category>
		<category><![CDATA[loan consultant]]></category>
		<category><![CDATA[Many first-time buyers]]></category>
		<category><![CDATA[newly-built homes]]></category>
		<category><![CDATA[prepaid meter]]></category>
		<category><![CDATA[property to purchase]]></category>
		<category><![CDATA[qualify for a home loan]]></category>
		<category><![CDATA[resale homes]]></category>
		<category><![CDATA[viewing existing homes]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=2308</guid>
		<description><![CDATA[First-time buyers be ‘energy’ savvy
Increasing energy costs like rising electricity charges are problematic for everyone, but can be especially so for those who are trying to become homeowners. 
However, says Berry Everitt, CEO of the Chas Everitt International property group, there are steps that can be taken to make sure that energy costs don’t put paid [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/10/first-time-buyers-increasing-energy-costs/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tips on getting that home loan</title>
		<link>http://mortgagepluscc.co.za/blog/2010/04/tips-on-getting-that-home-loan/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/04/tips-on-getting-that-home-loan/#comments</comments>
		<pubDate>Wed, 07 Apr 2010 12:31:07 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[20-year home loans]]></category>
		<category><![CDATA[a higher loan amount]]></category>
		<category><![CDATA[a home loan]]></category>
		<category><![CDATA[banks in South Africa]]></category>
		<category><![CDATA[better interest rate]]></category>
		<category><![CDATA[buy your own home]]></category>
		<category><![CDATA[buying a home with a partner]]></category>
		<category><![CDATA[calculating]]></category>
		<category><![CDATA[cheaper properties]]></category>
		<category><![CDATA[deposits on the home loans]]></category>
		<category><![CDATA[First time buyers]]></category>
		<category><![CDATA[For Sale]]></category>
		<category><![CDATA[getting that]]></category>
		<category><![CDATA[gross income]]></category>
		<category><![CDATA[home loan amounts]]></category>
		<category><![CDATA[home loan products]]></category>
		<category><![CDATA[home owner]]></category>
		<category><![CDATA[home seller]]></category>
		<category><![CDATA[kind of home loan]]></category>
		<category><![CDATA[monthly repayments]]></category>
		<category><![CDATA[personal income]]></category>
		<category><![CDATA[property prices]]></category>
		<category><![CDATA[prospective home buyers]]></category>
		<category><![CDATA[that home loan]]></category>
		<category><![CDATA[the property market]]></category>
		<category><![CDATA[your home loan]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=1510</guid>
		<description><![CDATA[Tips on getting that home loan with which you can buy your own home
Even though property prices have soared in recent years, you can probably still obtain a home loan to buy your own home if you are earning a regular salary. Here are some ways that you can get that home loan you need [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
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