Cellphone contracts to blacklisted people
Are you blacklisted? Need a blacklisted cellphone contract ?Being blacklisted or having a bad credit record should not stop you from having a cellphone contract.
If you have then you know how frustrating this can get, especially if you need that cellular contract pretty bad. What’s worse is if you are being rejected because the operator or network provider has already blacklisted your name.
Look no further, we offer cellphone contracts to people who are blacklisted or have a bad credit record. Minimum requirements are: For a top up contract – min salary is R1500pm and for a normal contract – R2500pm.
Free Sim, Connection and delivery and no documents needed.
Bruma Finance Personal Loans
You never know when you may need a little extra finance. Life is unpredictable that way. Be it the cost of education, a coat of new paint, a wedding or even a funeral. Sometimes the financial burden just seems endless. It is for this reason that we at Bruma Finance go out of our way to assist our clients and lighten the load as best as we can.
For your convenience, they offer personal loans at affordable rates from R1000 – R15000 over six to eighteen month periods. They know the urgency of your application and pride ourselves on our same day response turnaround time. The best part is, once paid out, the money is yours to spend as and when you need it.
Bruma Finance has been providing credit to South Africans since 1997. From the start we realised that our clients are the heart of our business. Since inception, our main focus has been to put our clients first ensuring that our clients get the credit that they deserve. In an ever expanding market we have differentiated ourselves by building our business on a foundation of trust, honesty and integrity. Our ethos has ensured that our loyal customer base has and continues to grow month on month.
National Student Financial Aid Scheme (NSFAS) loan
If you are a South African citizen you may be eligible for a National Student Financial Aid Scheme (NSFAS) loan for study at one of the country’s public higher education institutions. The NSFAS, a statutory body funded by the Department of Education, provides study loans to academically able but financially needy students.
Much of an NSFAS loan can be converted into a bursary, which does not then need to be repaid, depending on one’s academic progress. A 100% pass rate would result in a 40% bursary rebate on an NSFAS loan.
The size of the initial NSFAS loan ranges from R2 000 to R30 000. You should apply at your university’s financial aid office. (See the list of university websites on the right.)
Nedbank Home Loans Video
FNB EasyPlan Loans paid in 10 minutes
FNB Temporary Loan
The Temporary Loan is a convenient and easy to take up short term loan, which is repayable within 31 days after you take it up. It is available immediately and there are no forms to complete.The agreed loan amount is credited to your FNB Personal Cheque Account or Smart Account, instantly should you qualify.
You can use the funds for just about anything from covering unforeseen emergencies, to school fees, to home improvements.
- The Temporary Loan is subject to an initiation fee, based on the loan amount you take up
- The amount you qualify for will depend on your credit profile
- Should you repay the total loan amount, including the initiation fee within 31 days, you will not pay any interest
Edgars Credit Card
Edgars Departmental Store in South Africa operates the Edgars Credit card. This is not to be confused with the Edgars Store card (Account). The good news is that even though it is registered as Edgars, it can be operated in any kind of transaction made through the credit card. This includes anything from cash withdrawal to online purchasing. The Standard Bank operates this credit card. Moreover, this card is classified as a Master card. Although there are pre-requisites to becoming, an owner of this card such as it is mandatory to be a citizen of South Africa, be of the age of at least twenty-one, with a monthly earning of at leas R 4,000 .
Edgars credit card is a multipurpose card. That is, use it for shopping, to payment of utility bills, and even as an ATM card. The procedure is simple. This card when handed over to the shopkeeper, swiped in the machine, and just like any credit card, the owner signs the card slip anywhere in the world.
The Edgars credit card offers numerous advantages for its usage. This includes excellent opportunity to reimburse your fees by spending merely 3,000 in three months by using your edgars credit card. This service also offers many benefits like getting free banking, free ATM balance check, and a free newsletter that accompanies your credit statement. An added advantage is that Edgars credit card is solely independent of any banks. The advantage of this is that the customers need not worry about their credit cards affected by an overdraft on the credit statement.
To conclude, the bills of Edgars credit card is payable in numerous ways. It is paid with the help of an Automatic Payment Order. This service allows its users to pay a fixed amount of money on a monthly basis. The clients also have a choice to clear five percent of the balance. This allows paying the money either as soon as the clients receive their bank statements, or before their due date. The clients also have the freedom to select their own due date for the payment of their balance amounts. There is a special service for online users to pay the balance by using the electronic modes of payment of the bills.
In a nutshell, Edgars credit card has tried to accommodate all the services of the best global credit cards. It represents their dedication to serve and provide the best to their customers.
Standard Bank vehicle Finance
Standard Bank Vehicle and Asset Finance is one of the leading vehicle and capital equipment financiers in South Africa. Their dedicated team of experts will assist you with financing of any vehicle or asset and can arrange a funding package to suit your unique needs.
A wide range of finance products available to suite your specific needs.
Insurance products to protect the asset being financed.
Competitive fixed and variable interest rates.
A dedicated team of experts to assist you in buying the asset.
Flexible repayments terms can be structured to your requirements.
Enables you to finance the assets you can afford now.
An initiation fee.
A service fee.
The monthly instalments to settle the financed asset.
To apply for finance the following conditions apply:
- minimum amount you may borrow is R40 000
- vehicle or asset must be insured for the life time of the loan
- minimum repayment period is 12 months
Approved applications not taken up will lapse 30 days after the date of approval.
Ithala Home Loans
Ithala Limited is a 100% owned subsidiary of Ithala Development Finance Corporation Limited (IDFC), which is governed by Ithala Act 2 of 1999 (Ithala Act) of the KwaZulu-Natal Legislature.
Ithala Limited was ring-fenced from IDFC in 2001 in line with the recommendation from the South African Reserve Bank. It has been operating under exemption from Banks Act 94 of 1990 (“Banks Act”) although it has had to comply with most requirements of the Act.
Ithala traditionally offered home loans and banking services to black areas ie. townships and rural areas of KwaZulu-Natal during apartheid South Africa. The branch network is mainly spread along the abovementioned areas. Although the other banks have been slowly moving to these areas, Ithala has not been able to move speedily into the traditionally urban and profitable areas.
Ithala has 51 branches and one agency throughout the KwaZulu-Natal province. The branches are mainly used to raise deposits from customers and also to provide transacting facilities. The customers are mainly from LSM2 – LSM6.
Savings Products offered by Ithala Limited, are:
Savings bank book;
Debit card;
Club save;
Target save;
Fixed deposit.
Ithala utilises deposits to fund its advances book. The lending is centralised at the Head Office in Durban, and most of the business in obtained from the bond originators.
Ithala Limited offers the following Lending Products:
Home loans;
PTO’s;
Home Improvement Loan;
Property Development;
Commercial Loans;
Personal Loans.
Ithala Limited’s Board has six non-executive directors (two from IDFC and two executive directors), five committees to help it discharge its duties, and convenes four times a year. The Board is primarily responsibility for setting the direction for Ithala Limited and is ultimately responsible for the organisation.
The Executive Management is responsible for the day-to-day running of the business and meets twice a month to monitor performance of various business units and discuss various issues affecting the organisation at that particular moment, and consider appropriate action.
The Executive Committee has five Management Committees that look at various operational matters.
Ithala has about 450 staff members based in the branches throughout the province and at its Head Office in Durban, where all centralised business units are based. There are about 35 people seconded to Group Head Office, because of the Group structure, where some functions are centralised at group level.
SA Home Loans
SA Home Loans launched to South African home owners and the public in February 1999. It was a great time in South Africa as the interest rates were at an all time high of 23.5%.
It was a time where South Africans were forced to start saving and watch their credit spending.
What SA Home Loans did, was come in at an incredible rate of 19.6% offering home owners a competitive alternative to traditional bank financing. This was the platform on which SA Home Loans built their business and, combined with their commitment to providing the best possible service,.
SA Home Loans offers a wide range of options, some of which are unique in the market.
Historically, banks provided all the home loan financing in South Africa. They secured their finances and funding from capital markets and lent those funds to consumers against the security of homeloans. For this service they charged a margin on the home loan of between 3 and 5 %.
That’s when for the first time in South Africa SA Home Loans launched in early 1999. They offered an alternative method of funding designed to bypass your traditional banks. What they would do is link lenders directly to the money markets i.e. the securities exchange. This non-banking concept is called securitization, a very well-known globally-accepted means of funding. In America, 40% of all home loans and home loan lending is securitised.
Variable Home Loan
– Standard variable interest rate
– Flexible term of up to 20 years.
Super-Lo
– Their loyalty cash-back loan
– Interest refunds into the home loan account after first 2 years, for first five years of the loan
– Permanently discounted interest rate, for the life of the loan, after the initial five year period
– A flexible term of up to 20 years, or a 23 year term.
Interest Only
– Lowest installment option
– Instalment payments that cover only the interest on the home loan, with full settlement required at the end of loan term
– Option to make pre-payments
– 90% loan-to-value requirement
Varifix
– An interest rate fixed for 20 years, with a rate review every 5 years
– Can fix all or only a portion of your home loan
– Unfixed portion of loan will have Variable home loan features
– If market rates rise, the fixed rate remains unchanged at the lowest level.
SA Home Loans also offers other home loan management options, such as Quick Cash, a bridging finance product at competitive rates, or risk protection products like CAP, which may be purchased to place a ceiling on interest rates.
How they work!
NOT A BANK!
SA Home Loans has a distinctly non-bank approach to doing business. They pride themselves on being flexible, approachable and service orientated. They pioneered a new way of providing home loans by linking you directly to the money markets and passing the savings on to you.
Not a Mortgage Originator.
Mortgage Originators are intermediaries in the home purchase process, and operate like brokers. They source home loan offers from financial institutions that pay them a fee for finding new clients. SA Home Loans provides you with the home loan directly – much like the banks, but without the attitude.
Branches
SA Home Loans have grown from strength to strength over the past 10 years, and while head officed in Durban, they now have 22 branches countrywide. Find out which of their Branches is closest to you, or phone 0860 2 4 6 8 10 for a Customer Contact Centre consultant.