{"id":423,"date":"2021-06-04T13:14:30","date_gmt":"2021-06-04T13:14:30","guid":{"rendered":"https:\/\/evafinancialsolutions.co.za\/newsite\/?p=423"},"modified":"2024-09-07T16:59:37","modified_gmt":"2024-09-07T16:59:37","slug":"how-to-best-qualify-for-a-bond","status":"publish","type":"post","link":"https:\/\/evafinancialsolutions.co.za\/newsite\/how-to-best-qualify-for-a-bond\/","title":{"rendered":"How to best qualify for a bond"},"content":{"rendered":"<p>Are you planning to buy a home, whether as a primary residency or as an investment? Buying a house can be an expensive investment. Often than not, one will need financial assistance to make the dream of buying a house a reality. This is because buying a house out of your own money is nearly impossible or requires you to save money over a significant amount of time, several years to be specific.<\/p>\n<hr \/>\n<p>In this article, I hope to help you prepare yourself to get your first housing finance. How then do you qualify for a bond? Banks work like robots. They follow a strict set of rules when assessing your application for a bond. This may mean that you may even be disqualified even when you can afford to repay the amount applied.<\/p>\n<hr \/>\n<p>If your bank does not approve your application, stay calm banks are not the only bonds providing institutions. To increase your chances of getting approved for a bond, you can go through bond originators like Ooba or SA Home Loans.<\/p>\n<hr \/>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/evafinancialsolutions.co.za\/newsite\/how-to-best-qualify-for-a-bond\/#What_are_the_advantages_of_using_a_bond_originator\" >What are the advantages of using a bond originator?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/evafinancialsolutions.co.za\/newsite\/how-to-best-qualify-for-a-bond\/#Tips_to_secure_a_better_bond\" >Tips to secure a better bond:\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/evafinancialsolutions.co.za\/newsite\/how-to-best-qualify-for-a-bond\/#What_should_accompany_your_application\" >What should accompany your application?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/evafinancialsolutions.co.za\/newsite\/how-to-best-qualify-for-a-bond\/#What_if_I_am_a_foreign_national_or_non-resident\" >What if I am a foreign national or non-resident:\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/evafinancialsolutions.co.za\/newsite\/how-to-best-qualify-for-a-bond\/#Requirements_for_permit_holders_Source_Property24\" >Requirements for permit holders (Source Property24):\u00a0<\/a><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/evafinancialsolutions.co.za\/newsite\/how-to-best-qualify-for-a-bond\/#Temporary_Residence_Permits\" >Temporary Residence Permits<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/evafinancialsolutions.co.za\/newsite\/how-to-best-qualify-for-a-bond\/#IMPORTANT_THING_TO_KEEP_IN_MIND\" >IMPORTANT THING TO KEEP IN MIND:<\/a><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/evafinancialsolutions.co.za\/newsite\/how-to-best-qualify-for-a-bond\/#Permanent_Residence_Permits\" >Permanent Residence Permits.<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/evafinancialsolutions.co.za\/newsite\/how-to-best-qualify-for-a-bond\/#Other_tips\" >Other tips:\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/evafinancialsolutions.co.za\/newsite\/how-to-best-qualify-for-a-bond\/#Leave_a_message\" >Leave a message<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/evafinancialsolutions.co.za\/newsite\/how-to-best-qualify-for-a-bond\/#Subscribe_now\" >Subscribe now:<\/a><\/li><\/ul><\/nav><\/div>\n<h4><span class=\"ez-toc-section\" id=\"What_are_the_advantages_of_using_a_bond_originator\"><\/span><strong>What are the advantages of using a bond originator?\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li>Most bond originators provide a free service and will send your application through to all major banks. As a result, you will incur little to no costs at all whatsoever.<\/li>\n<li>Your chances of getting approved increase because:\n<ul>\n<li>They will not send your application unless they are convinced that you will get approved<\/li>\n<li>They will send your application to more than one bank. As a result, you may in fact get the most affordable bond terms. It is the bond originators job to ensure that the applicant get the most affordable rate<\/li>\n<\/ul>\n<\/li>\n<li>You save a significant amount of time as you will not have to go around shopping for a good rate among all banks<\/li>\n<li>Bond originators know what banks require to successfully process a bond application. So, they will prepare your application for success<\/li>\n<\/ul>\n<hr \/>\n<h4><span class=\"ez-toc-section\" id=\"Tips_to_secure_a_better_bond\"><\/span><strong>Tips to secure a better bond:\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li>Start by restructuring your budget. Consider what you ready need vs. what you do not need. Get rid of all unnecessary items on your budget. This will ensure that you have more disposable income that will otherwise go towards your bond<\/li>\n<li>Get rid of all your bad debts. Bad debt is debt incurred to purchase things that quickly lose their value and do not generate long-term income. It carries a high interest rate, for example, credit card debt. Having a lot of debt is one of many sources for a bond application being declined. Creditors believe that a customer with a lot of debt has a higher chance of missing their repayments.<\/li>\n<li>Save up a large deposit. Not all banks will give you a 100% bond. Besides, a huge deposit will save a bit on interest. Also, you may need money to pay for transfer costs banks may not cover. Most lenders also require the borrower to have at least 10% of the capital outlay<\/li>\n<li>Have a payslip. Most bond providers need proof of income. A good start is a payslip. Even if you own your own business, have a payslip. Ensure that you have money going into your personal account every month.\n<ul>\n<li><strong>NB<\/strong> &#8211; A payslip is good, but remember at the end of the day what the banks are looking for is your affordability. That is, do you have the ability to service the debt. If you pay yourself or if you get a big salary but what is left in your bank account, after all, expenses are paid for, is too little then you may end up not qualifying for the amount you are looking for.<\/li>\n<\/ul>\n<\/li>\n<li>Have financial statements and management accounts. If you own your own business, have your business&#8217;s financial statements and management accounts (latest) ready. Banks will use these to measure your affordability and to see how much income (drawings) you are getting from the business.<\/li>\n<li>Check affordability &#8211; before you even start applying check if the property is affordable. Ensure that the property price is affordable in relation to its location. Further, you need to determine if you can personally afford the price and are able to pay for this house. Affordability is generally calculated at 25% to 30% of joint gross income. But, remember there are other factors, including existing debt commitments that may affect the size of the loan that the credit providers may grant you.<\/li>\n<\/ul>\n<hr \/>\n<h4><span class=\"ez-toc-section\" id=\"What_should_accompany_your_application\"><\/span><strong>What should accompany your application?\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Based on my experience with bond originators like SA Home Loans and Banks like Nedbank and FNB, at a minimum you should have the following before you send your application:<\/p>\n<ul>\n<li>The application form from the bank or bond originator<\/li>\n<li>Your statement of assets and liabilities. If you keep a personal data room (also see: https:\/\/wordpress.com\/read\/blogs\/143769079\/posts\/13), you should have the latest updated statement at your disposal. If you maintain a set of your personal accounts, then it should be easy to print out your balance sheet from your accounting system.<\/li>\n<li>Your latest payslip or\/and IRP5. You can easily get these from your employer.<\/li>\n<li>Certified copy of your ID\/passport<\/li>\n<li>Proof of residence<\/li>\n<li>Latest six months bank statements. If you are applying through your bank, this may not be needed as your bank has access to your bank statements.<\/li>\n<li>Your most recent ITA34 &#8211; income tax assessment, which may also be used as proof of income<\/li>\n<li>Income letter from your accountant or auditors<\/li>\n<li>If you own and run your own business:\n<ul>\n<li>Latest signed financial statements<\/li>\n<li>Letter confirming shareholding in the company or close cooperation<\/li>\n<li>Latest management account, which should cover the latest complete month up to the last signed financial statements month<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr \/>\n<h4><span class=\"ez-toc-section\" id=\"What_if_I_am_a_foreign_national_or_non-resident\"><\/span><strong>What if I am a foreign national or non-resident:\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>There are certain restrictions for non-resident property buyers:<\/p>\n<ul>\n<li>You may be required to raise 50% for the property price. For example,<\/li>\n<\/ul>\n<p>A non-resident who wishes to purchase a property in South Africa for R900,000.00 provided R450 000.00 is introduced into South Africa to effect the purchase he\/she would be able to apply to the South African Reserve bank for permission to avail himself of a bond of R450 000.00. In other words, banks will lend up to 50% of the purchase price.<\/p>\n<ul>\n<li>The requirement for a temporary resident or permit holder is almost similar. The only exception is that such a mortgage bond is not restricted and depending on the standing of the client can be 50% of the purchase price of the property. The approval of the foreigner application is dependant on the approving manager in the bank where the application is made or where he\/she holds his bank account.<\/li>\n<li>You may want to read this:\u00a0https:\/\/www.ooba.co.za\/resources\/financial-assistance-foreign-buyers<\/li>\n<\/ul>\n<hr \/>\n<h4><span class=\"ez-toc-section\" id=\"Requirements_for_permit_holders_Source_Property24\"><\/span><strong>Requirements for permit holders (Source Property24):\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ol>\n<li>\n<h6><span class=\"ez-toc-section\" id=\"Temporary_Residence_Permits\"><\/span>Temporary Residence Permits<span class=\"ez-toc-section-end\"><\/span><\/h6>\n<\/li>\n<\/ol>\n<p>The applicant:<\/p>\n<ul>\n<li>must have a valid Work permit which has at least three years remaining before its renewal date<\/li>\n<li>at the time of the bond, the application must be working for the same employer reflected on the Work Permit.<\/li>\n<\/ul>\n<hr \/>\n<h4><span class=\"ez-toc-section\" id=\"IMPORTANT_THING_TO_KEEP_IN_MIND\"><\/span>IMPORTANT THING TO KEEP IN MIND:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Most banks restrict home loans for Temporary Residents to 50% of the purchase price of a property but Nedbank currently offers up to 90% if the applicant has banked with them for a minimum of a year. These terms are fluid, however, and the banks can change their policies at any time. If you are a foreigner (or have a foreign partner) and you are looking to purchase a property and apply for a home loan it is CRITICAL that you approach a reputable and experienced mortgage originator who will provide you with the very latest information.<\/p>\n<ol start=\"2\">\n<li>\n<h6><span class=\"ez-toc-section\" id=\"Permanent_Residence_Permits\"><\/span>Permanent Residence Permits.<span class=\"ez-toc-section-end\"><\/span><\/h6>\n<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<hr \/>\n<p>The Permanent Residence Permit confers on holders the same rights to mortgage loans as apply to bonafide South Africans (i.e. they are not restricted to 50% loans.)<\/p>\n<hr \/>\n<p>However, some banks will not exceed the 50% loan-to-value until the applicant has been issued with the South African green bar-coded identity document.\u00a0 This often places the applicant in an invidious position because Home Affairs has been known to take more than two years to issue such identity documents!<\/p>\n<hr \/>\n<h4><span class=\"ez-toc-section\" id=\"Other_tips\"><\/span><strong>Other tips:\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>If you can&#8217;t afford to buy on your own, you may want to buy together with a friend as a co-applicant. As time goes on, and you finish paying for the first house, you can repeat the process to buy a second house. Without a doubt, this must be a person you trust and you must find out if your bank is open to this set-up. If you are buying private, try and negotiate for alternative settlement plans for any amount in excess of what the bank is offering you provided your affordability and ability to repay the bank is not negatively affected.<\/p>\n<hr \/>\n<p>I hope you are ready to buy your first home!<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<h4><span class=\"ez-toc-section\" id=\"Leave_a_message\"><\/span>Leave a message<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<div class=\"forminator-ui forminator-custom-form forminator-custom-form-1032 forminator-design--default  forminator_ajax draft-enabled\" data-forminator-render=\"0\" data-form=\"forminator-module-1032\" data-uid=\"69f0da713a6d5\"><br\/><\/div><form\r\n\t\t\t\tid=\"forminator-module-1032\"\r\n\t\t\t\tclass=\"forminator-ui forminator-custom-form forminator-custom-form-1032 forminator-design--default  forminator_ajax draft-enabled\"\r\n\t\t\t\tmethod=\"post\"\r\n\t\t\t\tdata-forminator-render=\"0\"\r\n\t\t\t\tdata-form-id=\"1032\"\r\n\t\t\t\t\r\n\t\t\t\tdata-design=\"default\"\r\n\t\t\t\t\r\n\t\t\t\t\r\n\t\t\t\t\r\n\t\t\t\tdata-grid=\"open\"\r\n\t\t\t\t\r\n\t\t\t\t\r\n\t\t\t\tstyle=\"display: none;\"\r\n\t\t\t\t\r\n\t\t\t\tdata-uid=\"69f0da713a6d5\"\r\n\t\t\t><div role=\"alert\" aria-live=\"polite\" class=\"forminator-response-message forminator-error\" aria-hidden=\"true\"><\/div><div class=\"forminator-row\"><div id=\"name-1\" class=\"forminator-field-name forminator-col forminator-col-12 \"><div class=\"forminator-field\"><label for=\"forminator-field-name-1_69f0da713a6d5\" id=\"forminator-field-name-1_69f0da713a6d5-label\" class=\"forminator-label\">First Name <span class=\"forminator-required\">*<\/span><\/label><input type=\"text\" name=\"name-1\" value=\"\" placeholder=\"E.g. John\" id=\"forminator-field-name-1_69f0da713a6d5\" class=\"forminator-input forminator-name--field\" aria-required=\"true\" \/><\/div><\/div><\/div><div class=\"forminator-row\"><div id=\"email-1\" class=\"forminator-field-email forminator-col forminator-col-12 \"><div class=\"forminator-field\"><label for=\"forminator-field-email-1_69f0da713a6d5\" id=\"forminator-field-email-1_69f0da713a6d5-label\" class=\"forminator-label\">Email Address <span class=\"forminator-required\">*<\/span><\/label><input type=\"email\" name=\"email-1\" value=\"\" placeholder=\"E.g. john@doe.com\" id=\"forminator-field-email-1_69f0da713a6d5\" class=\"forminator-input forminator-email--field\" data-required=\"true\" aria-required=\"true\" \/><\/div><\/div><\/div><div class=\"forminator-row\"><div id=\"phone-1\" class=\"forminator-field-phone forminator-col forminator-col-12 \"><div class=\"forminator-field\"><label for=\"forminator-field-phone-1_69f0da713a6d5\" id=\"forminator-field-phone-1_69f0da713a6d5-label\" class=\"forminator-label\">Phone Number<\/label><input type=\"text\" name=\"phone-1\" value=\"\" placeholder=\"E.g. +1 3004005000\" id=\"forminator-field-phone-1_69f0da713a6d5\" class=\"forminator-input forminator-field--phone\" data-required=\"\" aria-required=\"false\" autocomplete=\"off\" \/><\/div><\/div><\/div><div class=\"forminator-row\"><div id=\"text-1\" class=\"forminator-field-text forminator-col forminator-col-12 \"><div class=\"forminator-field\"><label for=\"forminator-field-text-1_69f0da713a6d5\" id=\"forminator-field-text-1_69f0da713a6d5-label\" class=\"forminator-label\">Subject<\/label><input type=\"text\" name=\"text-1\" value=\"\" placeholder=\"E.g. text placeholder\" id=\"forminator-field-text-1_69f0da713a6d5\" class=\"forminator-input forminator-name--field\" data-required=\"\" \/><\/div><\/div><\/div><div class=\"forminator-row\"><div id=\"textarea-1\" class=\"forminator-field-textarea forminator-col forminator-col-12 \"><div class=\"forminator-field\"><label for=\"forminator-field-textarea-1_69f0da713a6d5\" id=\"forminator-field-textarea-1_69f0da713a6d5-label\" class=\"forminator-label\">Message<\/label><textarea name=\"textarea-1\" placeholder=\"Enter your message...\" id=\"forminator-field-textarea-1_69f0da713a6d5\" class=\"forminator-textarea\" rows=\"6\" style=\"min-height:140px;\" maxlength=\"180\" ><\/textarea><span id=\"forminator-field-textarea-1_69f0da713a6d5-description\" class=\"forminator-description\"><span data-limit=\"180\" data-type=\"characters\" data-editor=\"\">0 \/ 180<\/span><\/span><\/div><\/div><\/div><input type=\"hidden\" name=\"referer_url\" value=\"\" \/><div class=\"forminator-row forminator-row-last\"><div class=\"forminator-col\"><div class=\"forminator-field\"><button class=\"forminator-button forminator-button-submit\">Send Message<\/button><a href=\"#\" class=\"forminator-save-draft-link disabled\" title=\"Fill in form fields before saving it as a draft\" formnovalidate>Save as Draft<\/a><\/div><\/div><\/div><input type=\"hidden\" id=\"forminator_nonce\" name=\"forminator_nonce\" value=\"877895b151\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/newsite\/wp-json\/wp\/v2\/posts\/423\" \/><input type=\"hidden\" name=\"form_id\" value=\"1032\"><input type=\"hidden\" name=\"page_id\" value=\"423\"><input type=\"hidden\" name=\"form_type\" value=\"default\"><input type=\"hidden\" name=\"current_url\" value=\"https:\/\/evafinancialsolutions.co.za\/newsite\/how-to-best-qualify-for-a-bond\/\"><input type=\"hidden\" name=\"render_id\" value=\"0\"><input type=\"hidden\" name=\"action\" value=\"forminator_submit_form_custom-forms\"><input type=\"hidden\" name=\"save_draft\" value=\"false\"><label for=\"input_6\" class=\"forminator-hidden\" aria-hidden=\"true\">Please do not fill in this field. <input id=\"input_6\" type=\"text\" name=\"input_6\" value=\"\" autocomplete=\"off\"><\/label><\/form>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"Subscribe_now\"><\/span>Subscribe now:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"forminator-ui forminator-custom-form forminator-custom-form-1010 forminator-design--default  forminator_ajax draft-enabled\" data-forminator-render=\"0\" data-form=\"forminator-module-1010\" data-uid=\"69f0da7141885\"><br\/><\/div><form\r\n\t\t\t\tid=\"forminator-module-1010\"\r\n\t\t\t\tclass=\"forminator-ui forminator-custom-form forminator-custom-form-1010 forminator-design--default  forminator_ajax draft-enabled\"\r\n\t\t\t\tmethod=\"post\"\r\n\t\t\t\tdata-forminator-render=\"0\"\r\n\t\t\t\tdata-form-id=\"1010\"\r\n\t\t\t\t\r\n\t\t\t\tdata-design=\"default\"\r\n\t\t\t\t\r\n\t\t\t\t\r\n\t\t\t\t\r\n\t\t\t\tdata-grid=\"open\"\r\n\t\t\t\t\r\n\t\t\t\t\r\n\t\t\t\tstyle=\"display: none;\"\r\n\t\t\t\t\r\n\t\t\t\tdata-uid=\"69f0da7141885\"\r\n\t\t\t><div role=\"alert\" aria-live=\"polite\" class=\"forminator-response-message forminator-error\" aria-hidden=\"true\"><\/div><div class=\"forminator-row\"><div id=\"name-1\" class=\"forminator-field-name forminator-col forminator-col-12 \"><div class=\"forminator-field\"><label for=\"forminator-field-name-1_69f0da7141885\" id=\"forminator-field-name-1_69f0da7141885-label\" class=\"forminator-label\">First Name <span class=\"forminator-required\">*<\/span><\/label><input type=\"text\" name=\"name-1\" value=\"\" placeholder=\"E.g. John\" id=\"forminator-field-name-1_69f0da7141885\" class=\"forminator-input forminator-name--field\" aria-required=\"true\" \/><\/div><\/div><\/div><div class=\"forminator-row\"><div id=\"email-1\" class=\"forminator-field-email forminator-col forminator-col-12 \"><div class=\"forminator-field\"><label for=\"forminator-field-email-1_69f0da7141885\" id=\"forminator-field-email-1_69f0da7141885-label\" class=\"forminator-label\">Email Address <span class=\"forminator-required\">*<\/span><\/label><input type=\"email\" name=\"email-1\" value=\"\" placeholder=\"E.g. john@doe.com\" id=\"forminator-field-email-1_69f0da7141885\" class=\"forminator-input forminator-email--field\" data-required=\"true\" aria-required=\"true\" \/><\/div><\/div><\/div><input type=\"hidden\" name=\"referer_url\" value=\"\" \/><div class=\"forminator-row forminator-row-last\"><div class=\"forminator-col\"><div class=\"forminator-field\"><button class=\"forminator-button forminator-button-submit\">Subscribe<\/button><a href=\"#\" class=\"forminator-save-draft-link disabled\" title=\"Fill in form fields before saving it as a draft\" formnovalidate>Save as Draft<\/a><\/div><\/div><\/div><input type=\"hidden\" id=\"forminator_nonce\" name=\"forminator_nonce\" value=\"94c041659a\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/newsite\/wp-json\/wp\/v2\/posts\/423\" \/><input type=\"hidden\" name=\"form_id\" value=\"1010\"><input type=\"hidden\" name=\"page_id\" value=\"423\"><input type=\"hidden\" name=\"form_type\" value=\"default\"><input type=\"hidden\" name=\"current_url\" value=\"https:\/\/evafinancialsolutions.co.za\/newsite\/how-to-best-qualify-for-a-bond\/\"><input type=\"hidden\" name=\"render_id\" value=\"0\"><input type=\"hidden\" name=\"action\" value=\"forminator_submit_form_custom-forms\"><input type=\"hidden\" name=\"save_draft\" value=\"false\"><label for=\"input_3\" class=\"forminator-hidden\" aria-hidden=\"true\">Please do not fill in this field. <input id=\"input_3\" type=\"text\" name=\"input_3\" value=\"\" autocomplete=\"off\"><\/label><\/form>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you planning to buy a home, whether as a primary residency or as an investment? Buying a house can be an expensive investment. Often than not, one will need financial assistance to make the dream of buying a house a reality. This is because buying a house out of your own money is nearly [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[59],"tags":[22,23,35,24],"class_list":["post-423","post","type-post","status-publish","format-standard","hentry","category-personal-finance","tag-bond","tag-mortgage","tag-personal-finance","tag-savings"],"_links":{"self":[{"href":"https:\/\/evafinancialsolutions.co.za\/newsite\/wp-json\/wp\/v2\/posts\/423","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/evafinancialsolutions.co.za\/newsite\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/evafinancialsolutions.co.za\/newsite\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/evafinancialsolutions.co.za\/newsite\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/evafinancialsolutions.co.za\/newsite\/wp-json\/wp\/v2\/comments?post=423"}],"version-history":[{"count":3,"href":"https:\/\/evafinancialsolutions.co.za\/newsite\/wp-json\/wp\/v2\/posts\/423\/revisions"}],"predecessor-version":[{"id":1054,"href":"https:\/\/evafinancialsolutions.co.za\/newsite\/wp-json\/wp\/v2\/posts\/423\/revisions\/1054"}],"wp:attachment":[{"href":"https:\/\/evafinancialsolutions.co.za\/newsite\/wp-json\/wp\/v2\/media?parent=423"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/evafinancialsolutions.co.za\/newsite\/wp-json\/wp\/v2\/categories?post=423"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/evafinancialsolutions.co.za\/newsite\/wp-json\/wp\/v2\/tags?post=423"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}