Finance > Credit > Credit CardThings that we can do to increase the chances of our home loan approval in South
Posted by instantmoneyloans in Finance on June 6th Wholesale Authentic Jerseys , 2014


Getting home loans in South Africa or any other developed country is easier compared to other types of loans because a home loan is a secured loan. The house that you are buying is considered as collateral against the loan and in case the borrower defaults on the loan or is unable to repay it the property will be foreclosed. In spite of this, most money lending organisations do not want the hassle of having to foreclose the property and then sell it. This is the reason that they make sure that the borrowers to whom they are lending the money are low risk options. All money lending organisations conduct a thorough credit check of the borrower before lending the money to him or her.


Hence, in order to ensure that you will definitely get the home loan you are applying for, you need to have a good credit score. People with poor scores often get their loan applications rejected. Another factor that will increase the chances of your home loan approval in South Africa is a steady and stable source of income Wholesale Jerseys , whether you have a job or you are self employed. Now what do you do in case you end up with a poor credit score and still require a home loan. In this situation, you will have to take some measures to improve your credit score first. The best way to do this is to get a secured credit card and maintain it properly. This is one of the fastest ways of mending your damaged credit score. There are many other methods of mending a poor credit score and these methods can be learned by hiring the professional services of a credit repair company.


Often the poor credit score is the result of a mistake on the part of the credit bureau. In this situation, you can dispute these mistakes by filling out a dispute form or writing a letter to the credit bureau. Another great way of ensuring that your loan application gets approved is to offer a sizeable down payment. If you are able to make a large down payment the bank is more likely to approve your loan application. Getting a co-signer to stand guarantee on your behalf is also more likely to get your home loan application approved. In fact, this is one of the best methods to guarantee that your loan application will be approved. You can also give the bank a reference letter from a friend or relative from whom you took a loan and returned it on time.


About the Author:


Profitech Credit Solutions provide instant loans information services to people Wholesale Authentic Hockey Jerseys , nationwide in South Africa. One can stabilize their financial future by making calculated decisions. They offer competitive interest rates for instant loans in SA. Their information and advice on getting an instant loan in South Africa is updated on a daily basis. Read through their useful tips & practical advice on getting a loan. They provide financial tips, news, and a business directory for lenders.


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