How I Quickly Pay off My Properties in South Africa

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Louis Reynhardt

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How I Quickly Pay off My Properties in South Africa


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How I Quickly Pay off My Properties in South Africa

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(If you can spend Hundreds of rands per month on…

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49 Comments

  1. just a question wrt properties, you say you work on the 1% rule? This includes the levies & rates/taxes… does this include Insurance – and could you give the average amount that you spend on property insurance?

  2. The Bi-weekly payment option is definitely underrated. I didn't realize the same bond amount split into 26 fortnightly payments results in such a huge saving! Will definitely be implementing this method 💯.

    Where can we get the calculator you used showing bi-weekly payments scenario? Haven't come across such a calculator before seems pretty handy

  3. Good day Louis,my name is Miyelani,I tried to call Standard bank to make biweekly payment on my bond and they told me that the system doesn't allow them to change it to biweekly,it only allows monthly payments.please help me in that regard.I have the name and the reference number of my call.

  4. This is so true i paid my bond in 3years and 8months,my bond was 630k paid a deposit of 70k,i would save my bonuses my increase every spare money I gad would go into my 32days notice account and come year end all the money will be paid into my bond account…

  5. @3 mins in – not true. If you increase your payment by x amount as an extra payment, the repayment amounts are recalculated over the remaining years left and your pay-in will be less thus making this exercise futile. You would have to look closely at the repayment amount as stipulated by the bank and increase your extra pay-in as the bond amount decreases… Hope this makes sense? In my opinion, the best way is to approach the bank and ask to reduce the remaining term of your bond. This way your repayment increases and if possible an extra few hundred will make a massive difference. This is obviously my experience.

  6. Guys just pay in money in the bond account whenever you have extra cash. SA banks do not generally do split payments on bond repayments but you can try asking. Best way pay the bond as agreed and whenever you have extra cash pay it in to your bond. Home loan interest is charged daily and capitalised monthly so the sooner you pay in that extra monies the more you save on the overall interest capitalised at the end of the month.