Article list
  1. Deposit For A Home Loan - How Much Is Enough
  2. Property for Sale
  3. Your Rights As a Buyer
  4. Plan Ahead for Success
  5. What is a Mortgage Loan?
  6. How Much Will I be Able to Borrow?
  7. Mortgage Bonds and Conveyancing
  8. The Conveyancing Process
  9. Types of Loans
  10. Types of Home Ownership in South Africa
  11. The Costs of Buying a Home
  12. Interest Rates
  13. Applying for a Home Loan
  14. Putting in an Offer to Purchase
  15. Taking Ownership of Your New Home
  16. Property Ownership Options
  17. Important Payment Information
  18. Documentation Required For a New Home Loan
  19. Service Excellence is a Top Priority
  20. Bond Registration Process
  21. Capital Gains Tax (CGT)
  22. Points to Look at When Purchasing
  23. Transfer Duty
  24. Basic South African Property Laws
  25. 6 Easy steps to home buying
  26. Tips For Property Buyers
  27. Buying Property in South Africa as a Non-Resident
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What is a Mortgage Loan?

The various names can make this quite confusing. The correct name for a loan over a property is a Mortgage Loan. When you take out a mortgage loan you "promise" your property as security to the lender in case you cannot pay back the loan. The Mortgage Bond is the document that you sign that contains this promise. The terms "mortgage" and "bond" therefore usually mean the same, and are used interchangeably.

When you buy a property and get a loan with a mortgage lender, the house is yours. It is registered in your name and you are fully responsible for it.

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