Real People Loans

Real people loans offers home improvement loans, business and personal loans at a lower rate, A real people home improvement loan is a loan which is intended to finance your home improvement needs. This could be anything from adding an additional room, new kitchen fittings, new tiling, a new coat of paint, or even a new gate or fencing.

Why Real People Home Improvement Loan

Our value of “sustainably improving lives” is at the core of everything that we do – from the products that we package for you, to the selection of the retailers with whom we have agreements with to make your dream of improving your home a reality.

We partner with you on your journey through life. We are a purpose-led organisation that recognises the unique challenges and opportunities people face in their lives. We share our expertise to create brighter futures, through the responsible provision of financial services and products. We drive financial wellness, and are a platform for growth, sustainability and improvement.

A home is a place to relax and unwind, share precious moments with family and should reflect your unique taste and personality. Everything you want in your home can now become a reality! Real People have developed a home improvement loan which helps you to make the improvements that you want. You can use your loan to make home improvements of your choice, for example, buying building material which includes, but is not limited to:

  • Bricks and Cement
  • Roofing material
  • Plumbing Material
  • Doors and window frames
  • Fencing and burglar gates
  • Any materials you might need to make alterations or improvements to your home

Looking for a personal loan that suit you? find a lender at Every Loan

Real People Loans

Real People Loans

Blue home improvement loan

A Blue home improvement loan helps you turn your house into a home. Loan amounts are from R1 000 to R50 000. This is a loan exclusively designed to help you obtain building material or to pay for construction costs.

how does blue home improvement differs from a personal loan?

This loan is specifically designed for home improvement and therefore carries significant advantages over a traditional personal loan. These advantages include an improved offer (as the money is utilised for the improvement of an asset) as well as specific payout terms. To ensure you get the best possible product, we have partnered with Cashbuild and other authorised building suppliers. Home improvement loans are loaded onto a loyalty card, and can then be used at your convenience to purchase material from these suppliers.

do you want to apply?

Click here to send an email and we’ll call you back.
Send an SMS with the key word “blue” to 32545 and we’ll call you right back.
Call 0860 00 2583, speak to a consultant and we’ll call you right back.

You can also look into Blue Education Loan, Blue Consolidation Loan, Blue Personal Loan and Blue Short Term Loan.

Blue home improvement loan

Blue home improvement loan

FNB Home Loan

home loan from FNB allows you to buy the home of your dreams today.

At FNB, we offer home buying advice and home loan information for First Time Home Buyers and Existing Home Owners. We also make it possible for you to Move Home not your Home Loan.

Apply for a Traditional Home Loan if you want to buy property or a Building Loan to help you finance the building of your perfect home. Choose theRepayment option to suit your individual needs. Extend your home loan with our Further Loan or use our Pre-paid solution to access funds when you most need them. With Flexi Option, you’ll have 24-hour access to your funds via ATMs, Telephone Banking, Cellphone Banking and Online Banking

Need to know how much you can afford to spend on a home loan? Use the Affordability Calculator, which applies the 30% affordability rule, to calculate affordability.

FNB aims to make the process of a home loan for first time buyers as easy as possible with guidance around the home loan application and home financing solutions.

In application for a bond for first time buyers, the bond application form is informative about what is required and our consultants are available to assist you throughout the process.

Make buying your perfect home a breeze with FNB Home Loans.

FNB Home Loan

FNB Home Loan

Ithala Home Loan

Get a home loan from Ithala Home loans and build, renovate or buy a new house for your family, Ithala will help you to achieve the house of your dreams.

The Ithala Home Loan is approved quick.

Ithala Contact Details:

Physical address:
Ithala Limited
Head Office
15th Floor
303 West Street
Durban

Tel +27 31 366 2500
E-mail clientservicesltd@ithala.co.za
Toll free number 080 133 1130

See also Ithala Personal Loans

Ithala Home Loan

Ithala Home Loan

Nedbank Home Loan

Nedbank Home Loan consist of three Nedbank Home Loan products:

1. Ordinary Home Loan if you are buying an existing property – Nedbank’s Ordinary Home Loan is a flexible Home Loan that can be tailored to suit your individual needs.
You can use your home loan to finance the purchase of an existing residential property or to make significant
structural improvements to your existing home. Whether it is to buy your dream home or to turn your existing
property into your dream home, Nedbank can make it happen for you and your family.

2. Building Loan if you are building or renovating – Building your own home gives you the freedom to design it just the way you want it. You may already own a home that you love, but it just needs a tweak or two to make it into your dream home. A Nedbank Building Loan will help you to finance the construction of a dwelling, or additions and
improvements to an existing structure.

3. Saving money for a rainy day makes good financial sense. – It makes good financial sense to save for a rainy day. We do not know what the future holds, and having money you can access should you need it adds to your security. Whatever your financial need may be, your home loan is an excellent place to save any extra money you can spare.

Nedbank Home Loan

Nedbank Home Loan

Standard Chartered Home Loan

Standard Chartered offers Home Loan that are easy to repay, Standard Chartered Home Loan have great savings; One time processing fees, no hidden charges, choice of variable and fixed rate loans.

Great Variety of loans for:

  • Purchasing a constructed flat / house
  • Purchasing a flat under construction
  • Home extension and renovation

Great flexibility:

  • Loans for salaried and self employed individuals
  • Choice of tenure from 5 years to 20 years

Refinance your loan:

  • Transfer your existing high interest loan to a lower interest Standard Chartered Bank home loan (as per the applicable current rates) and save on interest. We will also finance the prepayment charges if you so wish.

Investec Home Loan

Investec Home Loans offers Home Loan for property finance for investing in commercial and residential property, including building or buying a home. Investec Home Loan will help you finance your property.

Investing in property successfully takes experience and capital. Your interest in property investment may be business related, a passion or simply that you want to buy a home. Whatever your motivation, we have the experience and resources to help.

Residential Property Finance

Location will always be a fundamental property investment consideration. The other big question, however, is – can you identify property trends and see the potential?

Once you’ve decided on a property, we’ll work with you to create the most suitable financing solution. Payments and interest rates don’t need to be prescriptive. In fact, we’ll show you how you can make them work to your advantage.

Then, with your finance in place, you’ll also have the ability to increase your facility, for renovations or investment property opportunities. You can even offer supplementary security other than residential property.

Managing your property finance online

With online access to your property finance facility you can:

  • Reduce your monthly instalments even after capital payments have been made. It also gives you access to surplus funds on a daily basis
  • Access any unused portion of your facility for an initial period of 364 days, and thereafter on application
  • Pay beneficiaries from your home loan
  • Adjust your monthly instalments and choose your interest rate, provided your minimum payment is met. This benefit applies to an existing home or one under construction (subject to terms and conditions).
  • Pay a flat monthly service fee of R30. Service your home loan through your Investec Private Bank Account and the fee will be waived. Upfront fees may apply.
  • Get rapid financing approval in principle and confirmation of the facility on valuation, with the ability to capitalise registration costs

Commercial Property Finance

What makes one property attractive as an investment could be what makes another totally unsuitable. Each property deal needs to be examined for its individual merits and risks. If you’re an investor or developer of commercial, industrial or retail properties, we’ll partner with you to provide a tailored financing solution, one that takes into consideration the specifics of your requirements.

Whether you need finance for existing buildings, developments or refurbishments, we can offer you a finance solution that gives you:

  • Access to surplus funds
  • Flexible payment plans
  • Fixed interest rate (including the ability to link to Prime)

Property Investment Banking

Building a property investment business takes time, investment acumen and the ability to plan long-term. We understand this. It’s what makes us such good investment partners.

We offer property funding and investment solutions in the office, retail, industrial or residential property sectors, including customised investment and development opportunities. We also facilitate non-traditional and innovative deals.

Our service is comprehensive and personal. While our clear understanding of the South African property market means we’re better able to meet your requirements with quick turn-around times and the flexibility you need to complete projects.

Investec property investment services cover:

  • Debt structuring
  • Facilitation of deals, including innovative, non-traditional transactions
  • Advice in portfolio acquisition, “greenfield” developments and infrastructure funding
  • Strategic partnerships, facilitating collaboration between developers and investors
  • Access to international property markets through our offshore operations and network
  • Access to other Investec Private Bank products such as the Investec Private Business Account and Cash Investments for privately owned businesses

Specialised Finance

Your investments are important to you, and us. They deserve the personalised attention we’re able to give them. You may, for example, want to diversify your property investments, or maximise liquidity in the context of complex financing transactions. It’s why we created our specialised financing service, to meet your specialised property financing needs.

We also work closely with your tax and legal advisors to make sure taxation and funding issues are dealt with efficiently, even when your investments are international.

Investec Home Loan

Investec Home Loan