Purchase planning
Assess the purchase price, available deposit and the complete cash requirement before making a binding commitment.
Property finance
Home-loan guidance for a considered property decision.
Property finance requires careful attention to the purchase price, deposit, transfer-related costs, monthly repayment and the ongoing cost of owning and maintaining the property.
Property finance
Plan beyond the monthly instalment.
A responsible property budget accounts for rates, levies, insurance, utilities, maintenance and the financial effect of changes in household income. VUKA helps applicants prepare the information required for a property-finance enquiry.
Speak with the VUKA teamAffordability position
Compare the proposed repayment with household income, existing commitments and recurring property expenses.
Document readiness
Prepare identification, income records, bank statements and property information for an efficient assessment.
Application preparation
Property-finance preparation
A property purchase should be supported by a complete budget and reliable documentation.
- Purchase price and deposit position
- Property description and signed offer where applicable
- Income, employment and bank records
- Rates, levies, insurance and maintenance estimates
VUKA finance guidance
Make the decision from complete information.
Applications are assessed individually. The approved amount, repayment period and final credit terms depend on affordability, verification and the completed assessment.
R10,000Configured minimum application amount
6 monthsConfigured minimum repayment period
6% p.a.Current website planning rate
Every application is assessed on its own verified information.
The approved amount, term and repayment schedule are communicated after the assessment and before customer acceptance.