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	<title>Bond Originators and Mortgage Experts &#187; PROPERTY VALUATION</title>
	<atom:link href="http://mortgagepluscc.co.za/blog/tag/property-valuation/feed/" rel="self" type="application/rss+xml" />
	<link>http://mortgagepluscc.co.za/blog</link>
	<description>South Africa&#039;s Leading Bond Originator and Mortgage Expert Blog !</description>
	<lastBuildDate>Wed, 23 May 2012 12:29:39 +0000</lastBuildDate>
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		<title>The A to Z of Applying for a Home Loan Finance</title>
		<link>http://mortgagepluscc.co.za/blog/2011/07/the-a-to-z-of-applying-for-a-home-loan-finance/</link>
		<comments>http://mortgagepluscc.co.za/blog/2011/07/the-a-to-z-of-applying-for-a-home-loan-finance/#comments</comments>
		<pubDate>Fri, 29 Jul 2011 12:33:25 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[application]]></category>
		<category><![CDATA[application form]]></category>
		<category><![CDATA[APPLICATION TYPES]]></category>
		<category><![CDATA[applying for a home loan]]></category>
		<category><![CDATA[applying for credit]]></category>
		<category><![CDATA[applying for finance]]></category>
		<category><![CDATA[approval in principal]]></category>
		<category><![CDATA[business sectors]]></category>
		<category><![CDATA[clients or customers]]></category>
		<category><![CDATA[consult a mortgage consultant]]></category>
		<category><![CDATA[documents required]]></category>
		<category><![CDATA[Final Grant]]></category>
		<category><![CDATA[Financial Intelligence Centre]]></category>
		<category><![CDATA[first step]]></category>
		<category><![CDATA[fixed rate home loan]]></category>
		<category><![CDATA[Fixed Rate vs Variable Rate]]></category>
		<category><![CDATA[Free home loan application form]]></category>
		<category><![CDATA[Free Mortgage application form]]></category>
		<category><![CDATA[home loan explanations]]></category>
		<category><![CDATA[home loan finance]]></category>
		<category><![CDATA[Home Loans for Individual]]></category>
		<category><![CDATA[Home Loans for Multiple]]></category>
		<category><![CDATA[Home Loans for Private Company]]></category>
		<category><![CDATA[industries]]></category>
		<category><![CDATA[informed decision]]></category>
		<category><![CDATA[Inheritance]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[mortgage explanations]]></category>
		<category><![CDATA[necessary home loan information]]></category>
		<category><![CDATA[new Consumer Protection Act]]></category>
		<category><![CDATA[New Home Loan Finance]]></category>
		<category><![CDATA[pay off a bond]]></category>
		<category><![CDATA[Pension]]></category>
		<category><![CDATA[Prime Interest Rate is 9%]]></category>
		<category><![CDATA[prime rate is dropping]]></category>
		<category><![CDATA[Private Trust Mortgages]]></category>
		<category><![CDATA[PROPERTY VALUATION]]></category>
		<category><![CDATA[Public Company Loans]]></category>
		<category><![CDATA[service]]></category>
		<category><![CDATA[submit]]></category>
		<category><![CDATA[successfully]]></category>
		<category><![CDATA[the lowest]]></category>
		<category><![CDATA[Trust Company mortgages]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=3427</guid>
		<description><![CDATA[
HERE&#8217;S TO MAKING AN INFORMED DECISION !
With the new Consumer Protection Act coming into effect on 1 April 2011, business sectors in all industries of trade have had to re-look their level of service, ensuring that they provide their clients or customers with all necessary information to aid them in making an ‘informed decision’. The [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2011/07/the-a-to-z-of-applying-for-a-home-loan-finance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Step by step guide on how to Build my home.</title>
		<link>http://mortgagepluscc.co.za/blog/2010/11/step-by-step-guide-on-how-to-build-my-home/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/11/step-by-step-guide-on-how-to-build-my-home/#comments</comments>
		<pubDate>Fri, 05 Nov 2010 09:42:45 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[accept the offer to purchase]]></category>
		<category><![CDATA[afford to buy]]></category>
		<category><![CDATA[Agreement of Sale]]></category>
		<category><![CDATA[Approach us for a home loan]]></category>
		<category><![CDATA[assessment of the property]]></category>
		<category><![CDATA[bond registration fees]]></category>
		<category><![CDATA[building a home]]></category>
		<category><![CDATA[buy or sell]]></category>
		<category><![CDATA[Buyers checklist]]></category>
		<category><![CDATA[calculated]]></category>
		<category><![CDATA[calculators]]></category>
		<category><![CDATA[complete an offer]]></category>
		<category><![CDATA[confirm requirements]]></category>
		<category><![CDATA[confirm your income]]></category>
		<category><![CDATA[credit standing]]></category>
		<category><![CDATA[Decision taken]]></category>
		<category><![CDATA[deed of sale]]></category>
		<category><![CDATA[estate agent]]></category>
		<category><![CDATA[final credit evaluation]]></category>
		<category><![CDATA[find a property]]></category>
		<category><![CDATA[For building loans]]></category>
		<category><![CDATA[Freehold properties]]></category>
		<category><![CDATA[granting the loan]]></category>
		<category><![CDATA[Home loan costs]]></category>
		<category><![CDATA[Letter of grant]]></category>
		<category><![CDATA[loan has been approved]]></category>
		<category><![CDATA[mortgage bond document]]></category>
		<category><![CDATA[necessary documents]]></category>
		<category><![CDATA[negotiated]]></category>
		<category><![CDATA[offer to purchase]]></category>
		<category><![CDATA[permanent fixtures]]></category>
		<category><![CDATA[Property search]]></category>
		<category><![CDATA[PROPERTY VALUATION]]></category>
		<category><![CDATA[Registration attorney instructed]]></category>
		<category><![CDATA[required documentation for a building loan]]></category>
		<category><![CDATA[satisfaction on completion]]></category>
		<category><![CDATA[Search for property]]></category>
		<category><![CDATA[sectional title properties]]></category>
		<category><![CDATA[Sign progress payments]]></category>
		<category><![CDATA[Signing of transfer and registration]]></category>
		<category><![CDATA[the approval process]]></category>
		<category><![CDATA[The first step]]></category>
		<category><![CDATA[transfer and registration costs]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=2402</guid>
		<description><![CDATA[Step 1: How much can I afford?
The first step is to determine how much you can afford to pay every month.
Click here for more information on: Calculators
Home loan costs to find out more about the other costs involved such as transfer and registration costs, and stamp duties.
Step 2: Search for property
Once you have calculated how much [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/11/step-by-step-guide-on-how-to-build-my-home/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your step by step guide on how to get a New Home Loan</title>
		<link>http://mortgagepluscc.co.za/blog/2010/07/your-step-by-step-guide-on-how-to-get-a-new-home-loan/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/07/your-step-by-step-guide-on-how-to-get-a-new-home-loan/#comments</comments>
		<pubDate>Wed, 28 Jul 2010 09:49:53 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[Acceptance]]></category>
		<category><![CDATA[acceptance of the offer]]></category>
		<category><![CDATA[advise you]]></category>
		<category><![CDATA[afford]]></category>
		<category><![CDATA[affordability]]></category>
		<category><![CDATA[amazing service]]></category>
		<category><![CDATA[Apply on-line]]></category>
		<category><![CDATA[Approval in Principle]]></category>
		<category><![CDATA[Bond Registration]]></category>
		<category><![CDATA[bond registration documents]]></category>
		<category><![CDATA[client services]]></category>
		<category><![CDATA[Conveyancing]]></category>
		<category><![CDATA[credit status]]></category>
		<category><![CDATA[credit worthiness]]></category>
		<category><![CDATA[Customer Contact Centre]]></category>
		<category><![CDATA[documentation]]></category>
		<category><![CDATA[five working days for approval]]></category>
		<category><![CDATA[get a new home loan]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[How long does approval take?]]></category>
		<category><![CDATA[including all the costs]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[mortgage bond]]></category>
		<category><![CDATA[mortgage bond documentation]]></category>
		<category><![CDATA[Mortgage documentation]]></category>
		<category><![CDATA[mortgage installment]]></category>
		<category><![CDATA[national panel of attorneys]]></category>
		<category><![CDATA[needs]]></category>
		<category><![CDATA[new bond]]></category>
		<category><![CDATA[NEW HOME LOAN]]></category>
		<category><![CDATA[new home loan documentation]]></category>
		<category><![CDATA[new home loan process]]></category>
		<category><![CDATA[no red-tape home loans]]></category>
		<category><![CDATA[No-obligation Bond]]></category>
		<category><![CDATA[No-obligation Home Loans]]></category>
		<category><![CDATA[No-obligation mortgages]]></category>
		<category><![CDATA[No-obligation proposal]]></category>
		<category><![CDATA[No-Obligation Quote]]></category>
		<category><![CDATA[Online Application Form]]></category>
		<category><![CDATA[our consultants]]></category>
		<category><![CDATA[process]]></category>
		<category><![CDATA[PROPERTY VALUATION]]></category>
		<category><![CDATA[Re-registration]]></category>
		<category><![CDATA[self employed]]></category>
		<category><![CDATA[self employed home loans]]></category>
		<category><![CDATA[specialist bond consultant]]></category>
		<category><![CDATA[specialist consultants]]></category>
		<category><![CDATA[specialist home loan consultant]]></category>
		<category><![CDATA[specialist mortgage bond consultant]]></category>
		<category><![CDATA[specialist mortgage consultant]]></category>
		<category><![CDATA[Valuator]]></category>
		<category><![CDATA[value your property]]></category>
		<category><![CDATA[What documentation is required]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=2027</guid>
		<description><![CDATA[If you’re buying a home, you’ll be following the following steps in getting your new bond through Mortgage Plus:

Arm yourself with information – Use our handy Mortgage Calculators to give you an idea of what home loan you could qualify for and what size mortgage bond you can afford.
Apply on-line and / or
Speak to a [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/07/your-step-by-step-guide-on-how-to-get-a-new-home-loan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Appeal Your Municipal Property Valuation Report.</title>
		<link>http://mortgagepluscc.co.za/blog/2010/05/appeal-your-municipal-property-valuation-report/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/05/appeal-your-municipal-property-valuation-report/#comments</comments>
		<pubDate>Mon, 17 May 2010 13:04:54 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[appeal your valuation]]></category>
		<category><![CDATA[Cape Town]]></category>
		<category><![CDATA[estate agent]]></category>
		<category><![CDATA[homeowners]]></category>
		<category><![CDATA[incorrect rates]]></category>
		<category><![CDATA[local deeds office]]></category>
		<category><![CDATA[Municipal Property]]></category>
		<category><![CDATA[Municipal Property Valuation Report]]></category>
		<category><![CDATA[municipal valuation process]]></category>
		<category><![CDATA[Pam Golding Properties]]></category>
		<category><![CDATA[properties]]></category>
		<category><![CDATA[Property]]></category>
		<category><![CDATA[property owners]]></category>
		<category><![CDATA[PROPERTY VALUATION]]></category>
		<category><![CDATA[short form online]]></category>
		<category><![CDATA[South Africa]]></category>
		<category><![CDATA[South African Institute of Valuers]]></category>
		<category><![CDATA[valuation assessment]]></category>
		<category><![CDATA[Valuation Objection]]></category>
		<category><![CDATA[Valuation Report]]></category>
		<category><![CDATA[www.lightstone.co.za]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=1561</guid>
		<description><![CDATA[How To Appeal Your Municipal Property Valuation Report
The municipal valuation process is already well under way in South Africa, and many property owners would already have received notifications regarding the valuation assessment of their properties.
Cape Town homeowners are currently able to view their valuations online at www.capetown.gov.za/propertyvaluations.
The key to ensuring that your property is not [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/05/appeal-your-municipal-property-valuation-report/feed/</wfw:commentRss>
		<slash:comments>2</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>
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		<slash:comments>0</slash:comments>
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