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	<title>Mortgage &#38; Property Talk SA &#187; experienced mortgage broker</title>
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	<description>South Africa&#039;s Leading Bond Originator and Home Loan Advisors</description>
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		<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>
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		<category><![CDATA[CREDIT HISTORY]]></category>
		<category><![CDATA[experienced mortgage broker]]></category>
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		<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>
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		<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>
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		<category><![CDATA[short application form]]></category>
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		<category><![CDATA[TOTAL DEBT]]></category>
		<category><![CDATA[value of the property]]></category>

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		<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>
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