{"id":2654,"date":"2024-09-06T17:47:27","date_gmt":"2024-09-06T17:47:27","guid":{"rendered":"http:\/\/localhost:10028\/?page_id=2654"},"modified":"2025-05-26T06:42:44","modified_gmt":"2025-05-26T06:42:44","slug":"property-loans","status":"publish","type":"page","link":"https:\/\/kaminaloans.co.za\/index.php\/services\/property-loans\/","title":{"rendered":"Property Loans"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2654\" class=\"elementor elementor-2654\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a6193b parallax-section e-flex e-con-boxed rt-default-class e-con e-parent\" data-id=\"4a6193b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e9233ec rt-default-class elementor-widget elementor-widget-rtbreadrumb\" data-id=\"e9233ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"rtbreadrumb.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    \r\n\r\n    <div class=\"breadcrumb-inner-addon\">\r\n        <div class=\"rt-title-part\">\r\n            <h1 class=\"page-title\"><\/h1>\r\n            Unlock Your Property Dreams \u2013 Home Loans &amp; Investment Financing Tailored for You        <\/div>\r\n        <div class=\"breadcrumb-path\">\r\n                <a href=\"https:\/\/kaminaloans.co.za\/\">Home<\/a>            <\/div>\r\n    <\/div>   \r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bceac47 e-flex e-con-boxed rt-default-class e-con e-parent\" data-id=\"bceac47\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4deb936 e-con-full e-flex rt-default-class e-con e-child\" data-id=\"4deb936\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f88fc39 rt-default-class elementor-widget elementor-widget-react-heading\" data-id=\"f88fc39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"react-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"animation-style2 react-heading default\">\r\n\t\t\t<div class=\"title-inner no bg_sub_text_no double_sub_text_no\">\r\n\t\t\t\t<div class=\"split_collab_words\"><h2 class=\"title word-line\">Property Loans (Home &amp; Real Estate Financing)<\/h2><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\t\t\t\r\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f10a49f rt-default-class elementor-widget elementor-widget-text-editor\" data-id=\"f10a49f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4><strong>Key Features<\/strong><\/h4><p class=\"ds-markdown-paragraph\">\u2705\u00a0<strong>Loan Types:<\/strong><\/p><ul><li><p class=\"ds-markdown-paragraph\"><strong>Home Loans (Bonds):<\/strong>\u00a0R100k \u2013 R5M (Primary residence)<\/p><\/li><li><p class=\"ds-markdown-paragraph\"><strong>Buy-to-Let:<\/strong>\u00a0Up to R10M (Rental properties)<\/p><\/li><li><p class=\"ds-markdown-paragraph\"><strong>Land Loans:<\/strong>\u00a0Up to 70% of land value<\/p><\/li><li><p class=\"ds-markdown-paragraph\"><strong>Renovation Finance:<\/strong>\u00a0R50k \u2013 R2M (Post-purchase upgrades)<\/p><\/li><\/ul><p class=\"ds-markdown-paragraph\">\u2705\u00a0<strong>Interest Rates:<\/strong><\/p><ul><li><p class=\"ds-markdown-paragraph\"><strong>Prime \u2013 0.5%<\/strong>\u00a0(Best clients)<\/p><\/li><li><p class=\"ds-markdown-paragraph\"><strong>Prime + 1\u20133%<\/strong>\u00a0(Standard)<\/p><\/li><li><p class=\"ds-markdown-paragraph\"><strong>Fixed Rate Options:<\/strong>\u00a02\u20135 year lock-ins<\/p><\/li><\/ul><p class=\"ds-markdown-paragraph\">\u2705\u00a0<strong>Deposit Requirements:<\/strong><\/p><ul><li><p class=\"ds-markdown-paragraph\"><strong>First-Time Buyers:<\/strong> 5%<\/p><\/li><li><p class=\"ds-markdown-paragraph\"><strong>Investors:<\/strong> 7%<\/p><\/li><\/ul><hr \/><h4><strong>Target Market<\/strong><\/h4><ul><li><p class=\"ds-markdown-paragraph\"><strong>First-Time Homebuyers<\/strong>\u00a0(DA Young Professionals)<\/p><\/li><li><p class=\"ds-markdown-paragraph\"><strong>Property Investors<\/strong>\u00a0(Building portfolios)<\/p><\/li><li><p class=\"ds-markdown-paragraph\"><strong>Retirees<\/strong>\u00a0(Downsizing or equity release)<\/p><\/li><li><p class=\"ds-markdown-paragraph\"><strong>Land Developers<\/strong>\u00a0(Serviced stands)<\/p><\/li><\/ul><hr \/><h3><strong>How Kamina\u2019s Property Loans Stand Out<\/strong><\/h3><p class=\"ds-markdown-paragraph\">\ud83d\udd39\u00a0<strong>Faster Approvals:<\/strong>\u00a072-hour pre-approvals (vs. banks&#8217; 14+ days)<br \/>\ud83d\udd39\u00a0<strong>Alternative Qualification:<\/strong><\/p><ul><li><p class=\"ds-markdown-paragraph\">Rental income considered<\/p><\/li><li><p class=\"ds-markdown-paragraph\">Foreign applicants welcome<br \/>\ud83d\udd39\u00a0<strong>Special Programs:<\/strong><\/p><\/li><li><p class=\"ds-markdown-paragraph\"><strong>&#8220;Rent-to-Own&#8221;<\/strong>\u00a0\u2013 3-year path to ownership<\/p><\/li><li><p class=\"ds-markdown-paragraph\"><strong>&#8220;Green Home Discount&#8221;<\/strong>\u00a0\u2013 0.25% rate reduction for energy-efficient homes<\/p><\/li><\/ul><hr \/><h4><strong>Compliance &amp; Risk Management<\/strong><\/h4><p class=\"ds-markdown-paragraph\">\u26a0\u00a0<strong>Regulatory Requirements:<\/strong><\/p><ul><li><p class=\"ds-markdown-paragraph\">NCR affordability assessments<\/p><\/li><li><p class=\"ds-markdown-paragraph\">Property valuations via SAIVS-registered appraisers<\/p><\/li><li><p class=\"ds-markdown-paragraph\">FICA documentation<\/p><\/li><\/ul><p class=\"ds-markdown-paragraph\">\u26a0\u00a0<strong>Kamina Safeguards:<\/strong><\/p><ul><li><p class=\"ds-markdown-paragraph\"><strong>12-Month Payment Holiday Option<\/strong>\u00a0(Job loss protection)<\/p><\/li><li><p class=\"ds-markdown-paragraph\"><strong>Equity Protection Guarantee<\/strong>\u00a0(Prevents negative equity)<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e80969 rt-default-class elementor-widget elementor-widget-image\" data-id=\"7e80969\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2073\" height=\"1382\" src=\"https:\/\/kaminaloans.co.za\/wp-content\/uploads\/2025\/05\/pro-loan.jpg\" class=\"attachment-full size-full wp-image-4374\" alt=\"\" srcset=\"https:\/\/kaminaloans.co.za\/wp-content\/uploads\/2025\/05\/pro-loan.jpg 2073w, https:\/\/kaminaloans.co.za\/wp-content\/uploads\/2025\/05\/pro-loan-300x200.jpg 300w, https:\/\/kaminaloans.co.za\/wp-content\/uploads\/2025\/05\/pro-loan-1024x683.jpg 1024w, https:\/\/kaminaloans.co.za\/wp-content\/uploads\/2025\/05\/pro-loan-768x512.jpg 768w, https:\/\/kaminaloans.co.za\/wp-content\/uploads\/2025\/05\/pro-loan-1536x1024.jpg 1536w, https:\/\/kaminaloans.co.za\/wp-content\/uploads\/2025\/05\/pro-loan-2048x1365.jpg 2048w\" sizes=\"(max-width: 2073px) 100vw, 2073px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2155857 e-con-full e-flex rt-default-class e-con e-child\" data-id=\"2155857\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4503933 rt-default-class elementor-widget elementor-widget-react-heading\" data-id=\"4503933\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"react-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"animation-style2 react-heading default\">\r\n\t\t\t<div class=\"title-inner no bg_sub_text_no double_sub_text_no\">\r\n\t\t\t\t<div class=\"split_collab_words\"><h2 class=\"title word-line\">Just to let you know:<\/h2><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\t\t\t\r\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9fa6a3d rt-accor rt-default-class elementor-widget elementor-widget-accordion\" data-id=\"9fa6a3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1671\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1671\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"rt rt-angle-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"rt rt-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Can I get 100% financing?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1671\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1671\"><p>Only for select first-time buyers via our &#8220;Rent-to-Own&#8221; program. Most require 5\u201330% deposit.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1672\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1672\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"rt rt-angle-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"rt rt-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What properties don't qualify?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1672\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1672\"><p><em>Informal dwellings, farms &gt;5ha, and properties under R100k<\/em><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1673\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1673\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"rt rt-angle-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"rt rt-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How do you handle bond cancellations?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1673\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1673\"><p><em>We refund 100% of fees if the sale falls through due to seller issues.<\/em><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e5895a1 e-con-full e-flex rt-default-class e-con e-child\" data-id=\"e5895a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-20ee2f2 e-con-full e-flex rt-default-class e-con e-child\" data-id=\"20ee2f2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67c111e rt-default-class elementor-widget elementor-widget-heading\" data-id=\"67c111e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Our Services<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5662f73 rt-default-class elementor-widget elementor-widget-rt-mega-navigation-menu\" data-id=\"5662f73\" data-element_type=\"widget\" data-e-type=\"widget\" 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enu_item&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;padding_vertical_mobile_menu_item_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;padding_vertical_mobile_menu_item_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;border_radius_radius_mobile_menu_item&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;border_radius_radius_mobile_menu_item_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;border_radius_radius_mobile_menu_item_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true}}\" 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