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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Bond Registration Process

You've just applied for your mortgage and want to know what happens next. Here are some answers to typical questions about the bond registration process.

Who is involved in the bond registration process?

  • the seller

  • the buyer

  • a transferring attorney (appointed by the seller to transfer the property to the buyer's name)

  • a bond attorney (appointed by the bank receiving the bond)

  • a cancellation attorney (appointed by the bank canceling the seller's bond)

Note: The same attorney could deal with more than one or all of the above transactions.

How do I go about registering a bond?

Before you put in an Offer to Purchase, this is the very first thing you should do - get yourself pre-qualified for a bond. 

Getting yourself pre-qualified before putting in an Offer to Purchase should be the first step you take. The National Credit Act stipulates that monthly deductions, e.g. income tax, monthly living expenses and debt need to be taken into account. Your level of debt can affect the amount for which you qualify. It is advisable that you provide your lender with an accurate summary of your monthly expenditure so your pre-qualification amount can be determined. Your lender will formulate your pre-qualification amount and issue you with a certificate. This enables you to provide a pre-qualification certificate that has been calculated according to the National Credit Act requirements.

What could delay the registration of a bond?

Delays could be caused by:

  • failure by the seller and/or buyer to provide personal information

  • failure by the seller to provide details of the bank holding the existing bond

  • the existing bondholder not providing cancellation figures and title deeds to the transferring attorney

  • failure to receive rates figures from the local authority and / or clearance certificates

  • failure by the buyer to pay a deposit (if required)

  • delay in the provision of guarantees

  • failure by the buyer to pay transfer and / or bond costs on time

  • the seller delays the signing of transfer documents

  • the buyer delays signing the transfer and/or bond documents

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