Rating based on 16 reviews

Capitec Home Loan

  • Home Loans up to R250,000
  • Low-interest starting from 9.25%
  • Repayment up to 30 years

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Capitec homepage
Author Capitec. Screenshot of Capitec website.
[Accessed January 24, 2023]

About Capitec

Capitec Bank is one of South Africa's newest banks having launched in 2001 and has, since then amassed a huge customer base.

Their simple and all-inclusive banking solutions are revered for their innovative approach, simplicity and affordability and, in addition to being able to transact customers can take out a personal loan.

Powerful partnerships that move you forward

Their banking system is based on the GlobalOne technology and has allowed them to simplify banking like never seen before in South Africa. They have partnered with Visa and MasterCard as well as developed a strong relationship with SA Home Loans which offers their customers up to 100% home loans that can be applied for online. You can apply individually or with a joint applicant to ensure affordability and success.

Capitec Services

Their GlobalOne technology has allowed customers to conduct international transactions with zero purchase fees, access to simplified banking, affordable personal loans of up to R 250 000 and competitive savings plans to help them reach their financial goals faster.

Their home loans

Through SA Home Loans Capitec offers you a 100% or 90% mortgage which you can apply for online or via any one of their nationwide branches. The interest rate you will be offered will be based on your individual credit profile and they offer a loan term of 30 years for maximum affordability.

Capitec – Home loan

  • Loan Type Home Loans
  • Interest Rate from 9.25%
  • Loan Amount up to R250,000
  • Repayment 10 years to 30 years

Benefits of Capitec

  • Quick and easy loan applications
  • Get a loan based on your affordability
  • Get approved within 5 working days

Capitec offers their clients the best deals on property loans in SA

Capitec Bank has made it it's business to become one of the best banks in South Africa and has partnered with SA Home Loans to bring their customers the best value for money.

With a home loan from Capitec, provided by SA Home Loans their clients have the option of their applying in one of their branches, where they can get up to 90% of their home loan amount approved or they can apply online and get up to 100% of their loan amount approved. It really is that simple.

Using their online loan calculator

One of the first steps to buying a home is working out how much you can afford and you can do this by using their affordability calculators online.

Once you have a figure in mind you can fill out their online loan application or apply in-branch where you will receive personalised and direct assistance with your application.

Minimum requirements to apply for a home loan

To apply for a home loan in South Africa with Capitec and SA Home Loans you must be aged between 18 and 60, be a South African citizen or permanent resident with a valid ID document, be employed or be earning a stable income which can be verified using your monthly payslips and bank statements and you cannot be under debt counselling or be bankrupt or blacklisted.

How to apply

At Capitec their clients are offered the option of either coming into one of their branches or filling out their online application form which can be found on their website. This application will take you only a few minutes to complete and submitting the required documentation won’t take long.

Once an application has been successfully submitted with the necessary supporting documentation, SA Home Loans will be in contact with the applicant within 2 working days to discuss and finalise the home loan agreement.

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Capitec is a trusted & reliable provider of home loans

In our review, Capitec adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ Capitec is a registered credit provider in South Africa: NCRCP13

Customer Reviews & Testimonials

February 2019

The staff at the branch were very helpful to me. They helped me to fill out my loan application form and answered all of my questions. Very happy with the service

Fikiswa N
— Port Elizabeth —

March 2019

The online platform and application were very convenient and easy to use. SA Home Loans got back to me later on the same day

Jarryd T
— Johannesburg —

Capitec Contact

Physical Address

  • 212, Zevenwacht Mall, Polkadraai Rd & Van Riebeeck Road Cape Town Kuils River 7579 South Africa
  • Get Directions

Opening Hours

  • Monday 09:00 – 18:00
  • Tuesday 09:00 – 18:00
  • Wednesday 09:00 – 18:00
  • Thursday 09:00 – 18:00
  • Friday 09:00 – 18:00
  • Saturday 08:00 – 14:00
  • Sunday 09:00 – 13:00