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Interest rate options


Get a rate that fits your budget

Choose between a fixed or variable rate for your home loan.

Fixed rate


Build with peace of mind

Anyone with a home loan* of N$100 000 or more can apply for this interest rate option. When interest rates are rising, this option offers stability, as the rates will be fixed for a particular period.

What you get

  • The interest rate remains unchanged for the duration of the contract
  • Your repayments remain unchanged, even if the interest rate goes up
  • You can select a contact period of 12, 18 or 24 months**
  • The interest rate will adjust, as the current interest rate moves up or down
  • You will benefit from drops in the interest rate
  • There are no fees, as this is the default option

*You cannot make use of this option together with a Flexi Bond or Re-Advance option. Building Loans will only qualify for this option once the building operation has been completed.

**Home loans less than N$250 000 qualify for the 12 month option only.

 
 

Variable rate


Benefit when rate drops


This is our a flexible interest rate home loan repayment option that adjusts as the current interest rate moves up or down.

By selecting this option your interest rate adjusts according to the fluctuations in the current interest rate. We apply this option to our clients who do not select any of the other rate options.

What do I get?

  • The interest rate will adjust, as the current interest rate moves up or down
  • You will benefit from drops in the interest rate
  • There are no fees, as this is the default option

Getting it made easy


Interest rate options

Qualifying criteria

You must be applying for / have a home loan

How to get it

Call me back

Other ways to apply

Contact us

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