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	<title>Mortgage &#38; Property Talk SA &#187; mortgage payments</title>
	<atom:link href="http://mortgagepluscc.co.za/blog/tag/mortgage-payments/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>
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		<title>Home Loan Affordability Calculator</title>
		<link>http://mortgagepluscc.co.za/blog/2011/11/home-loan-affordability-calculator/</link>
		<comments>http://mortgagepluscc.co.za/blog/2011/11/home-loan-affordability-calculator/#comments</comments>
		<pubDate>Wed, 02 Nov 2011 11:26:33 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[Absa home loan calculator]]></category>
		<category><![CDATA[affordability calculator]]></category>
		<category><![CDATA[Affordability Home Loan Calculator]]></category>
		<category><![CDATA[bond calculator]]></category>
		<category><![CDATA[buying a home]]></category>
		<category><![CDATA[calculate]]></category>
		<category><![CDATA[Calculator Calculates]]></category>
		<category><![CDATA[Financial Institutions Calculator]]></category>
		<category><![CDATA[Fnb home loan calculator]]></category>
		<category><![CDATA[home loan calculator]]></category>
		<category><![CDATA[home loan calculator tool]]></category>
		<category><![CDATA[home loan consultants]]></category>
		<category><![CDATA[Home Loan Consultants South Africa]]></category>
		<category><![CDATA[Home Loan Services]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[loan companies]]></category>
		<category><![CDATA[loan officers]]></category>
		<category><![CDATA[Maximum Home Loan Calculator]]></category>
		<category><![CDATA[mortgage calculator]]></category>
		<category><![CDATA[mortgage payments]]></category>
		<category><![CDATA[Nedbank home loan calculator]]></category>
		<category><![CDATA[negotiating strength]]></category>
		<category><![CDATA[new home loan calculator]]></category>
		<category><![CDATA[Std Bank home loan calculator]]></category>
		<category><![CDATA[the home loan calculator]]></category>
		<category><![CDATA[Thinking about a Home Loan]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=3757</guid>
		<description><![CDATA[Determine What You Can Afford With A Home Loan Calculator
It&#8217;s clear that every family should really have a home of their own. This is one of the most fundamental dreams of almost every couple when they start to build a family of their own, and that&#8217;s to buy their own house within a specific time [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Five Tips worth considering before Buying your First Home</title>
		<link>http://mortgagepluscc.co.za/blog/2011/11/five-tips-worth-considering-before-buying-your-first-home/</link>
		<comments>http://mortgagepluscc.co.za/blog/2011/11/five-tips-worth-considering-before-buying-your-first-home/#comments</comments>
		<pubDate>Wed, 02 Nov 2011 10:35:08 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[Best Mortgage]]></category>
		<category><![CDATA[buying a home]]></category>
		<category><![CDATA[can afford a home]]></category>
		<category><![CDATA[can afford a home loan]]></category>
		<category><![CDATA[home finance]]></category>
		<category><![CDATA[home ownership]]></category>
		<category><![CDATA[Housing Costs]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[lenders offering financing]]></category>
		<category><![CDATA[Long-term Home Loans]]></category>
		<category><![CDATA[Long-term Mortgages]]></category>
		<category><![CDATA[looking for a home loan]]></category>
		<category><![CDATA[looking for a mortgage]]></category>
		<category><![CDATA[mortgage documents.]]></category>
		<category><![CDATA[mortgage payments]]></category>
		<category><![CDATA[mortgages offered]]></category>
		<category><![CDATA[new home buyers]]></category>
		<category><![CDATA[payment options]]></category>
		<category><![CDATA[property taxes]]></category>
		<category><![CDATA[Shop Around for the Best Mortgage]]></category>
		<category><![CDATA[the housing market]]></category>
		<category><![CDATA[the right bond choice]]></category>
		<category><![CDATA[the right bond options]]></category>
		<category><![CDATA[the right home loan choice]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=3753</guid>
		<description><![CDATA[Buying a home is a big decision. 
Here are five tips worth considering before you take the plunge&#8230;  
1. Consider Housing Costs
It may be tempting to put in an offer on a home but remember, along with the mortgage payments, you will also need to budget for property taxes and utilities. There will also [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to qualify for a Home Loan in South Africa</title>
		<link>http://mortgagepluscc.co.za/blog/2011/01/how-to-qualify-for-a-home-loan-in-south-africa/</link>
		<comments>http://mortgagepluscc.co.za/blog/2011/01/how-to-qualify-for-a-home-loan-in-south-africa/#comments</comments>
		<pubDate>Mon, 17 Jan 2011 10:32:09 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[a clean credit record]]></category>
		<category><![CDATA[affordable property]]></category>
		<category><![CDATA[applicants are declined]]></category>
		<category><![CDATA[applying for a]]></category>
		<category><![CDATA[applying for a Absa loan]]></category>
		<category><![CDATA[applying for a better interest rate]]></category>
		<category><![CDATA[Applying for a Building Loan]]></category>
		<category><![CDATA[applying for a Debt Consolidation loan]]></category>
		<category><![CDATA[applying for a first a first time home loan]]></category>
		<category><![CDATA[applying for a Fnb Loan]]></category>
		<category><![CDATA[applying for a Further Loan]]></category>
		<category><![CDATA[applying for a home loan]]></category>
		<category><![CDATA[applying for a mortgage loan]]></category>
		<category><![CDATA[applying for a Nedbank Loan]]></category>
		<category><![CDATA[applying for a new home loan]]></category>
		<category><![CDATA[applying for a remortgage]]></category>
		<category><![CDATA[applying for a second bond]]></category>
		<category><![CDATA[applying for a Std Bank Loan]]></category>
		<category><![CDATA[applying for Development Finance]]></category>
		<category><![CDATA[applying for Personal Finance]]></category>
		<category><![CDATA[banks affordability criteria]]></category>
		<category><![CDATA[before applying]]></category>
		<category><![CDATA[Before approaching your bank for a mortgage]]></category>
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		<category><![CDATA[debt]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[financial]]></category>
		<category><![CDATA[home loan criteria's]]></category>
		<category><![CDATA[Home Loan service]]></category>
		<category><![CDATA[information to qualify]]></category>
		<category><![CDATA[ITC Transunion]]></category>
		<category><![CDATA[mortgage application]]></category>
		<category><![CDATA[mortgage approval process]]></category>
		<category><![CDATA[mortgage loan]]></category>
		<category><![CDATA[mortgage payments]]></category>
		<category><![CDATA[national credit act]]></category>
		<category><![CDATA[qualify]]></category>
		<category><![CDATA[qualify for a mortgage loan]]></category>
		<category><![CDATA[reapplying]]></category>
		<category><![CDATA[reapplying for a loan]]></category>
		<category><![CDATA[self-employed loans]]></category>
		<category><![CDATA[self-employed mortgages]]></category>
		<category><![CDATA[South African banks]]></category>
		<category><![CDATA[the best home loan deal]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=2643</guid>
		<description><![CDATA[How To Qualify For A Mortgage Loan
Since the National Credit Act was implemented and the start of the global economic crisis it has become more difficult to qualify for a mortgage loan from your bank, to qualify for a mortgage loan your bank will require that you meet the following criteria:

Have a stable steady income [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2011/01/how-to-qualify-for-a-home-loan-in-south-africa/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Mortgage Refinancing &#124; Property Refinancing</title>
		<link>http://mortgagepluscc.co.za/blog/2010/07/mortgage-refinancing-property-refinancing/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/07/mortgage-refinancing-property-refinancing/#comments</comments>
		<pubDate>Wed, 07 Jul 2010 10:22:15 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[be debt-free]]></category>
		<category><![CDATA[existing mortgage]]></category>
		<category><![CDATA[foreclosed by your mortgagor]]></category>
		<category><![CDATA[improved credit score]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Lower interest rates]]></category>
		<category><![CDATA[monthly payments]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage crisis]]></category>
		<category><![CDATA[mortgage payments]]></category>
		<category><![CDATA[Mortgage Refinancing]]></category>
		<category><![CDATA[mortgage refinancing firm]]></category>
		<category><![CDATA[Mortgagor]]></category>
		<category><![CDATA[new mortgagor money]]></category>
		<category><![CDATA[Property Refinancing]]></category>
		<category><![CDATA[purchase a home]]></category>
		<category><![CDATA[Refinance Your Debt]]></category>
		<category><![CDATA[refinancing your current home loan]]></category>
		<category><![CDATA[restructuring your debt]]></category>
		<category><![CDATA[your mortgage]]></category>
		<category><![CDATA[your new mortgagor]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=1808</guid>
		<description><![CDATA[When you purchase a home, there is always mortgage attached to it. It is the mortgage that actually pays off the house, and it is the mortgage that you are paying for in actuality and not the home you are living in.
Of course, if you are unable to pay off your mortgage, then you can [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/07/mortgage-refinancing-property-refinancing/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Should you fix your mortgage rate?</title>
		<link>http://mortgagepluscc.co.za/blog/2010/05/should-you-fix-your-mortgage-rate/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/05/should-you-fix-your-mortgage-rate/#comments</comments>
		<pubDate>Wed, 26 May 2010 12:31:48 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[90 days’ written notice]]></category>
		<category><![CDATA[a fixed interest rate of 12%]]></category>
		<category><![CDATA[ABSA]]></category>
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		<category><![CDATA[central bank]]></category>
		<category><![CDATA[consider fixing your rates now]]></category>
		<category><![CDATA[current prime rate is 10%]]></category>
		<category><![CDATA[extra interest amount]]></category>
		<category><![CDATA[First National Bank]]></category>
		<category><![CDATA[fix their bond rates]]></category>
		<category><![CDATA[fix their home loan rates]]></category>
		<category><![CDATA[fix their mortgage rates]]></category>
		<category><![CDATA[fixed interest rate]]></category>
		<category><![CDATA[fixed rate agreement]]></category>
		<category><![CDATA[fixed rate repayment]]></category>
		<category><![CDATA[fixed rates of 10.50%]]></category>
		<category><![CDATA[fixing your rates]]></category>
		<category><![CDATA[home loan of R1m]]></category>
		<category><![CDATA[home owners]]></category>
		<category><![CDATA[increase your repayments]]></category>
		<category><![CDATA[inflationary pressures]]></category>
		<category><![CDATA[interest rate cut]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[lower rates]]></category>
		<category><![CDATA[lowest levels]]></category>
		<category><![CDATA[mortgage payments]]></category>
		<category><![CDATA[nedbank]]></category>
		<category><![CDATA[outstanding balance]]></category>
		<category><![CDATA[penalty fee]]></category>
		<category><![CDATA[prime interest rate]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[Sanlam Personal Finance]]></category>
		<category><![CDATA[sell the property]]></category>
		<category><![CDATA[value of the property]]></category>
		<category><![CDATA[Variable interest rate]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=1613</guid>
		<description><![CDATA[Johannesburg – There are subtle hints that the interest rate cut party may be over.
For one, central bank chief and monetary decision-maker Gill Marcus says so.
She recently warned that interest rates will probably remain unchanged for some time.
Interest rates are currently at the lowest levels in almost 30 years and many economists think the next [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/05/should-you-fix-your-mortgage-rate/feed/</wfw:commentRss>
		<slash:comments>0</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>
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		<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>
		<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>
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