Having been established in 1994, Prudential South Africa now has R101 billion assets under its management.

The logo of Prudential Financial Service Providers is Lady Prudence, a symbol of the company’s commitment to personality and involved customer relations. Prudential claims to understand and listen to the dreams of its customers around the world, represented by the image of Lady Prudence, who gazes into her mirror to see the world as it really it. This ability to understand and consider the needs and aspirations of its clients allows Prudential to provide products which meet individual and unique needs. Prudence is also known for having sound and practical judgement, discretion, as well as worldly and practical wisdom.  It is these attributes that Prudential aspires to emulate.

Who owns Prudential South Africa?

The Prudential South Africa head office is situated in Cape Town and the company also has offices in Durban, Port Elizabeth, Johannesburg and Windhoek. The business’ asset base consists of South African retail clients (about 50%), South African pension funds (48%), and assets managed on behalf of the company offices in Asia and the UK (2%).

• M&G Investments Limited owns 47.2% of Prudential South Africa.
• In the South African company, 31.3% of the ownership is vested in a staff trust which benefits the Prudential employees.
• 21.5% of Prudential is owned by a BEE consortium called the Thesele Group. Prudential is an A-rated empowerment company.

Prudential Portfolio Managers South Africa is also an authorised Discretionary Financial Services Provider.

Why should you invest with Prudential?

As an international company, Prudential has worldwide resources on which to draw and uses only the most sophisticated investment techniques. This allows Prudential to provide its clients with consistent returns on their investments.

Prudential is one of the largest investment managers in the world, opening management offices in Cape Town and Namibia in 1994 and 1996 respectively. This local presence brings Prudential’s global management services to South African clients.

Prudential aspire constantly to put the client first, led by prudence and always acting in the client’s best interest. The company is committed to a business approach that is determined by integrity and practical wisdom.

To ensure efficient client services, Prudential believes in developing a partnership with their clients, keeping them informed and providing information on investments.

What assets do Prudential manage?

• Institutional investments
• Individual investments from clients in South Africa
• Investment into South Africa from global investors.
• A diverse range of investment approaches

What funds can I choose from?

• A range of unit trust funds (all with different objectives, benefits, investment periods and characteristics of their own)
• Offshore funds
• International Unit Trusts
• Income Portfolios

How do I choose what to invest?

When you choose which approaches or funds suit your specific needs, there are a number of points you need to consider:

• How much you want to invest
• How long you would like to invest your money for
• The payments or returns you would like to see from your investments.

Value investing

Value investing is a theory invented by Benjamin Graham around 1934, based on the assumption that all companies are attached to two values:

1. Market price: This refers to the value of the company as listed on the stock exchange
2. Business value: For short and medium term investments, the market price is often either far below or above the market price; for longer term investments, the business value is reflected by stock price.

All Prudential services and products are selected to offer unique and diverse investment solutions. These investment decisions are backed by Prudential’s expertise in key areas such as fixed interest, tactical asset allocation, and equities.

Prudential Financial Service Providers is an original post from: Bad Debt Advice and Finance Solutions

No related posts.

Why get bridging finance?

Time delays in property transactions are inevitable as you will have to wait until the entire transfer has taken place before you can access the proceeds of your sold property. In the mean time you may have some significant amounts of cash to dish out such as transfer fees, the deposit on your new property,  fees of conveyance attorneys, duties, and agent commissions. These expenses can’t wait for the transfer to take place and need to be paid immediately. This is where taking a small loan as bridging finance can help you pay your debts before your money comes through. Lenders will usually give you about 80% of the net amount owing to you in the future to cover these expenses.

The catch

As with any kind of loan, you will need to pay interest on the money that you borrow. Unfortunately, bridging finance products usually come with higher interest rates than other types of personal loans. This is because bridging loans are short term loans and the money you need becomes available very quickly, usually within 24 hours after you have applied for it. Interest is calculated on a daily basis.

How can I apply for bridging finance?

Most companies provide an online option for you to apply for bridging finance and the process is quick and easy, allowing you to get the money as soon as possible. After you have completed the online application form, you will usually be required to submit other documents via fax.

Although each lending company may have a different policy, the documents you need usually include:

• An identification document
• A utility bill or other form of proof of address
• Proof of your income
• Bank statements of the last 3 months
• A mortgage statement
• A valuation certificate
• A copy of the Offer to Purchase (signed)
• Information about liabilities you already have, such as credit cards, school fees, debit orders and retail store accounts,
• If you have a second mortgage you may need a letter of confirmation from the bank.

How can I find a bridging company in South Africa?

South African bridging finance loan companies are registered through the National Credit Regulator and can provide finance for the three or more months it takes for a property to be transferred into the new buyer’s name. Some of the best known companies providing bridging finance in South Africa are:

• CapX Finance: This South African company offers bridging finance for property sellers in South Africa and Namibia.
• Cash on Demand: As its name suggests, this bridging finance company offers quick cash and has offices nationwide.
• Smartbridge: This is one of the leading bridging companies operating in South Africa, having been in the business for over 8 years.
• Quince Property Finance: This company offers low rated bridging fiancé for South African property.
• The Bridging Factory: This bridging finance company has a large licensee network and offers a broad spectrum of property and real estate based bridging finance solutions.

These bridging finance companies are registered with the Bridging Finance Association of South Africa (BFISA). This means that that agree to ethical conduct, professionalism, truth in advertising, prescribed practice rules, regulatory compliance , consumer data protection, and other such terms of business.

Thanks to such bridging finance loan companies, people waiting  for the proceeds from their property sales can take comfort in the fact that their expenses can be covered in the mean time. This loan can be paid back as soon as the property transfer has gone through and they will be free to enjoy their new homes.

Bridging Finance in SA is an original post from: Bad Debt Advice and Finance Solutions

No related posts.

Why use Experian?

Experian aims to provide excellent customer service so that they are able to respond to each customer as an individual and provide for each customer’s unique situation. Over the years, the experienced staff has learned a lot about consumers, changing markets and businesses and is able to apply this knowledge to customer credit check support. The Experian client base includes a number of major retailers, micro-lending companies and all the major banks in South Africa.

What services are offered by the Experian credit check facility?

Credit Expert

Credit Expert is a service that allows you to access your credit information whenever you like. This gives you the power to protect and manage this private information. Credit Expert also provides monitoring alerts, fraud detection and identification verification to ensure that your credit history is not accessed and abused by other people.

There are a number of service options provided under Experian Credit Expert:

• Free Credit Expert Report: Every year you will be able to access your personal credit record for free for one month. To get thirty days of instant and free access to your credit report, simply register online with Credit Expert to request this service. With this free service you are able to view the same information that a lender would see if you are applying for credit. Viewing your account also gives you the opportunity to check that the information is accurate and that there has been no fraud or shady activities under your credit name.
• Credit Expert: Once you have viewed the free Experian credit report you can be given another thirty day period in which you can see if your credit rating has improved after a few months. At a cost of R19.00 per month you can request this service at any time in the year.
• Monthly Credit Expert: If you choose the monthly credit expert option, this allows you to view your report monthly without having to request it. You can stay informed about your credit record via a monthly fax or email. This service will cost you R156 per year.
• Annual Credit Expert: Knowing about your credit details is important and with the annual credit report you will be able to access this information online at anytime in the year for a period of one year.
  View your up-to-date credit report online for one year. This service costs R145 per year. You also have the option of including a Credit Manager to your annual credit report service. This allows you to not only view your report anytime, but also provides you with fax, email or SMS notifications that will alert you if there are any changes to your credit profile. The combination of these services costs R198 per year.
• Credit Risk Rating: This tool was developed by Experian for use with their credit reports. Using the rating system allows you to get an idea of how your application for credit may be influences by your credit history. This service will cost you only R5 per month.
• Detect: This tool will protect both the lender and you against any kind of fraud by checking the validity of the information on the credit application. This service can be provided at a cost of R5 per month.

With all these services and more, it’s easy to see why Experian are the leading specialists in the credit check industry. Knowledge is power; and Experian allows you to take control of your credit records by keeping updated about the status and changes of your credit report.

The Experian Credit Check Facility is an original post from: Bad Debt Advice and Finance Solutions

You may also be interested in:

1. A Free Credit Check To See If You Are On The Blacklist
2. Get an ITC Credit Check in South Africa
3. ITC Check
4. Getting a Credit Report for Free to Find out if you’re Blacklisted
5. Do A Blacklist Check To Know Your Credit Rating

Absa has recently opened up the unsecured lending markey, intorducing its Express Loan that is available to South Africans who earn at leaset R1500 per month. Sales of such short term loans are on the rise, particulalry in today’s unfavourable economin conditions that are causing South Africans to dig deep into empyting pockets.  In fact, the bank has financed over R1 million in Express loans.  These kind of loans were once associated with lower icnome groups, but in today’s financial crisi, more and more middle-income South Africans are forced to take out express loans. Acoording to Absa, 45% of the express loan customer are in the entry-level group and 43% form the middle-income bracket.

What is an express loan?

An express loan is a short-term loan intended for emergencies when you need instant cash. The loan can offer you R1500 to R8000, which you will be liable to pay over 1, 3 or 6 months. The express loan is an unsecured loan, meaning that no assets are required as collateral if the borrower defaults on payments.

When can I use Absa express loans?

Absa express loans can be used at your discretion for a variety of reasons. Express loans are designed to offer short term solutions. These could include:

• Something to keep you going until your next paycheck if it has been a particularly expensive month.
• Emergency travel plans.
• If you cannot afford to pay for other important loans and the loan sharks are knocking on your door.
• In case of an accident or illness that requires urgent (and often expensive) medical assistance.
• If you need to pay for utilities before they get cut off by the municipality.
• You need to bail a loved one out of jail.
• You need money to pay for school fees, groceries or other expenses you have not been able to cover in that month.

These are just a few of the many reasons you may choose to take out an emergency loan. You will be able to get out between R1500 and R8000 for your own personal use.

Who is eligible for an Absa express loan?

• You must earn at least R1500 every month.
• Your salary must be deposited into a bank account under your name.
• You must be a South Africa citizen.
• You will need to prove your identity, as well as have a current proof of address (such as a bank statement, rates or municipality bill).

What are the benefits of an Absa express loan?

• The money you need becomes available quickly to help you settle emergency financial situations.
• You can make payments for your loan easily be debit order off your account.
• There is no hidden interest charge as interest is calculated upfront. The interest is charged monthly and forms part of the monthly instalment.
• The outstanding balance can be settled with a Credit Protection Plan in the case of disability, retrenchment or death.
• You can settle the debt early without having to pay early settlement penalties.
• The Absa express loan has roll-over ability. This means that if the first loan has been repaid in full you have the option of taking up another express loan if you need it.

Remember, like any loan, and express loan from Absa will come with interest that you will have to pay, depending on how long it takes you to pay the money back and how much money you borrowed.

An express loan from Absa may be just what you need to tide you temporarily through the hard times. As long as you can meet your required payments, taking out an express loan may be just the solution for temporary financial needs or difficulties.

Absa Express Loans is an original post from: Bad Debt Advice and Finance Solutions

No related posts.

These two credit bureaus are obliged to provide you with a free credit report once a year free of charge. Should you however discover that you have been blacklisted since the date that you received your last credit report, you can request another one for a small fee either directly from the credit bureaus or through a number of companies that will obtain these documents for you for a small fee.

Once you have obtained your credit reports, you can begin the process of clearing your name from ITC blacklisting. Your credit reports will contain any bad marks against your name and will detail who has made these judgements against your name. Your credit report will additionally list the amount for which you are being blacklisted. Therefore you will be able to contest any judgements if needs be, or you can take the necessary steps to clear your name.

For those who are blacklisted and want to know how to clear your name from ITC, then I would recommend contacting a debt consolidation lawyer. These are lawyers who specialise in dealing with people who have been blacklisted and who are looking to clear their name. Although lawyers fees can be expensive, they will provide you with all the information you need to clear your name. If you however cannot afford to put yourself in to further debt by consulting with a lawyer, then here are some steps that you can take to clear your name.

Firstly, do not take out any further loans or purchase anything on credit. This will only further worsen your problem. The only loan that I could recommend taking would be a debt consolidation loan. This type of loan allows you to consolidate all of your debt to one creditor by paying off your other creditors with the amount loaned. It is however essential that you do not take this loan out for more than what you owe. By this I mean if your debt is R20 000, then you should only take out a debt consolidation loan for R20 000.

This type of loan will save you money in the long run as you will not be paying interest on a number loan amounts, but rather on one amount. What is more is that by doing so, you can negotiate the amount that you pay back every month in order to suit your needs which means that you will safeguard yourself against having to pay for anything on credit. In addition to this, you will improve your credit rating if you pay back the required amount each month on time and will show any future creditors that you are a responsible lender.

However, before you can take out credit again, you will have to clear the judgements against your name on the ITC. By having a debt consolidation lawyer, they can assist you in this process. Alternatively, you can contact the bureaus directly and can prove that you have paid back the money owning and they will clear your name.

How to Clear your Name from ITC is an original post from: Bad Debt Advice and Finance Solutions

No related posts.

1. Get your credit report from the credit bureaus in South Africa. This way you will be able to pinpoint exactly when you were blacklisted and for what reason you were blacklisted.
2. Should you see that the bad credit owing is not severe and you can afford to repair it, then you should do so quickly. Should you however not be able to pay off the bad debt and need to get a car quickly then, there are other routes that you can take to purchase a vehicle.

There are a number of car dealerships that provide bad credit finance to people who are looking to purchase vehicles. One such place is Easy Cars Rental.  Easy Cars Rentals do not require a credit check to be conducted before they provide you with a loan. However, there are certain terms and conditions that have to be adhered to in order to qualify for the vehicle finance loan.

These include the following:

• Valid drivers licence
• If you are a male – be over 25yrs
• Minimum up-front payment of R15000
• Minimum Monthly payment of R2500pm
• Proof of income

Easy Car Rentals understands that one in four South African’s are blacklisted and the only way to rebuild their credit history is to be allowed the opportunity to purchase something on credit. In doing so, they will be able to prove that they are a worthy creditor by ensuring that they pay back their monthly instalments on time. In addition to providing evidence that you are no longer a bad debtor, you will be able to own your car at the end of the process and therefore you will hopefully never find yourself in a situation where you are blacklisted again.

One of the saddest things in South Africa, is that many people are blacklisted illegally by creditors and as a result, their entire lives are affected. What is worse is that due to the lack of information that people have about being blacklisted, they do not query their blacklisting. Many creditors have blacklisted people after their right to do so has expired. This means that they have blacklisted a debtor after three years of them owing the creditor money. The law states that a person can only be blacklisted during the three years after their account with a creditor came in to arrears. This means that should you have owed money to a person four years ago and they blacklist you, they are doing so illegally. Another common occurrence in this country is that many creditors try and claim back their money twice. This is illegal, as you cannot blacklist someone twice for the same monies owing.

Although you are blacklisted and feel that there is no hope for you when trying to get finance for a vehicle, there are avenues that you can take. Firstly, always try and pay off any outstanding debts where you can before acquiring new debt. If you can do that, then you will be in a much better place. If you cannot, then it is essential that you make all of the payments on the vehicle finance otherwise your credit rating will look even more dismal that it did before you started. Lastly, beware of loan sharks that are out to make a quick buck off of you. Many of these loan sharks will require you to use an asset such as your house as collateral to secure the loan. This is never a good idea as you may end up worse off than you did before.

How Blacklisted South African People Buy Cars on Credit is an original post from: Bad Debt Advice and Finance Solutions

You may also be interested in:

1. Loans from South African Banks
2. South African Bank Loans
3. Quick Easy Cash Loans for South African Applicants

Capitec Bank pride themselves on being transparent unlike other banks and for this reason, you will never enter in to an agreement with the bank that you do not fully understand. In addition to this, there will be no hidden costs when obtaining credit from the bank, which is almost unheard of in the banking sector today.

If you are interested in the Capitec Bank personal cash loans that they have on offer, then all you have to do open a Global One facility through them. From there you can see how much credit you qualify for by filling in a simple application form either in one of the Capitec branches, or online. All personal loans offered by Capitec Bank are approved in minutes and the cash becomes available to you immediately.

What is more is that this financial service provider offers lower interest rates to consumers who open a bank account with them into which their salary is deposited. Lastly, if you get a personal loan through this bank, you will get free credit life insurance on loans with a repayment period of six months or longer.

If you are now wondering what exactly the rates and fees are that will apply to a personal loan that you take out through the Global One facility, they are as follows:

• For a loan of R1000 that you plan to pay back in one month you will pay the following:
• Monthly repayment: R1155
• Initiation fee: R124
• You do not qualify for free credit life insurance
• Overall repayment: R1155

• For a loan amount of R2000 with a repayment period of 3 months then you will pay the following:
• Monthly repayment: R874
• Initiation fee: R285
• Monthly fee: R34.20
• Total repayment: R2622

• For a loan amount of R3000 with a repayment period of 6 months then you will pay the following:
• Monthly repayment: R399
• Initiation fee: R399
• Monthly fee: R34.20
• Total repayment: R4227
• You also qualify for free credit life insurance

If you are looking for a personal loan that is a little more substantial, the highest amount that you can apply for is R120,000. Should you apply for a loan of this amount over a period of 60 months, then you will pay the following:

• Monthly repayment: R3451
• Initiation fee: R1140
• Monthly fee: R57
• You apply for free credit life insurance
• Total repayment: R 207 069

So if you are looking for a personal loan that offers you a great interest rate as well as a host of other free services such as credit life insurance, paperless banking, transparent pricing and much more, then you should consult your nearest branch or the Capitec Bank online portal today.

What is convenient, is that if you visit the online portal, you can apply online for credit and they will get back you with within minutes on the approval or denial of your loan. It really is that simple and easy to get credit for all your needs. What is more is that by opening a Global One account, you are entitled to a host of other savings so why not enquire about it today.

Capitec Bank Personal Cash Loans is an original post from: Bad Debt Advice and Finance Solutions

You may also be interested in:

1. Affordable Capitec Bank Loans
2. South African Bank Loans
3. Same Day Personal Cash Loans in SA
4. Personal Cash Loans for People with Bad Credit Records
5. Home, Personal and Car Loans from Banks in South Africa

However this does not mean that there is no hope for you. Your first point of call should be the Internet as there are hundreds of sites out there that are offering financial solutions for people who are in need of vehicle financing and who may not have the best credit history.

These companies understand that in South Africa we do not have a very reliable public transport system and as a result require cars to get them to where they need to be. They also understand that in order to get a positive credit rating back, it requires the blacklisted individual to prove that they can consistently pay back monthly instalments.

A vast majority of the places offering vehicle finance to blacklisted customers do so by means of either bad credit car loans or rent-to-buy finance options. These vehicle cash loans and blacklisted finance solutions are easy to find if you type in the right key words. How a lot of these places work is by having you fill in an online application which then are forwarded on to a number of registered credit providers. From there unfortunately it is a waiting game to see if anyone will consider your unique circumstances and grant you a loan. If you can prove that you have a steady income, or have property or something of value which you could use as collateral to sign against the money that you will end up owing, then your chances are greatly increased in obtaining finance in this way.

Be Careful With Bad Credit Finance

A word of caution if you plan on taking a bad credit loan. Firstly you need to consider if signing your property or home in to the agreement as collateral is a wise idea. The reason I provide this caution is because should you default on your payments then the lender has every legal right to take your property and sell or auction it off in order to recover the outstanding amount on the loan. This could end up being the worst case scenario for you as not only will you end up car-less and broke, but you may put yourself at jeopardy of becoming homeless as well. In addition to this, this again will negatively reflect on your credit history and the chances of you being able to secure a loan will become slim to none.

If you cannot secure a bad credit loan or do not want to after the above mentioned caution, then do not worry, there is another option for you: Rent-to-buy vehicles. How these companies work is that they purchase a number of vehicles and you can then rent them on a monthly basis. Should you consistently pay your monthly instalments for the length of the agreement you can then opt to purchase the vehicle.

This is a fantastic financial solution for those of you who are blacklisted as these companies rent the vehicles on a monthly basis and generally do not have penalties should you not be able to pay. If for some reason you cannot afford your monthly instalment, then you simply take the car back to the dealership and they will rent it out to someone else. This therefore will not negatively reflect on your credit history and should you be able to keep up your instalments, you can end up with a car at the end of the deal.
There are quite a few legally registered financial credit providers offering to help South Africans get approved for a car loan even if blacklisted or recorded as having a bad credit history.

Vehicle Cash Loans and Blacklisted Finance Solutions is an original post from: Bad Debt Advice and Finance Solutions

You may also be interested in:

1. Vehicle Finance Calculator
2. Blacklisted Vehicle Insurance
3. Car Finance For People Who Are Blacklisted
4. Cash Loans for People who are Blacklisted
5. Blacklisted Car Finance

The FNB stokvel product is sold on two major factors: these being that there are no deposit fees and no cash withdrawal fees. This makes it easy for stokvels to increase their investment account by small increments on a weekly or monthly basis. They can also withdraw any amount for investment elsewhere or for administration costs for the stokvel. This is a big appeal, since by only being charged a fixed bank fee per month the administrators of the stokvel can easily budget for their banking costs, and the free cash deposits encourage and help smaller stokvels to start putting away money, this allows a bunch of young people or humble labourers to put away any amount of money, whereas if they were paying hefty deposit fees, small investment or savings account can drastically lose their value in banking and administration fees.

Stokvel accounts from FNB give your free unlimited deposits, withdrawals and balance enquiries. They also claim to provide highly competitive interest rates, which of course is the whole point of investing for a common purpose or profit motive. A differentiating factor between this type of account and some which provide better interest however, is that the money is available immediately, until in a call account, Money Market, Park-It account or in some unit trusts. This is a nice benefit for joint investing, because if one of the individuals investing wants to pull out his or her investment for other expenses for any reason, they can do so easily, without needing the consent of the rest of the stokvel. If however they have invested the money in certain unit trusts or long term investment accounts, the group could lose out by a withdrawal being made. They could lose out in terms of penalty fees payable for early withdrawal and or in terms of interest benefits of long term investment.

FNB does make it relatively easy to open a stokvel account, they’ll give you all the necessary documentation if you visit a nearby branch. So there are not a lot of barriers to starting some small scale investment with some friends or family. But before you do it’s a good idea to check that you’re all of a similar mindset in terms of investment. Check your thoughts in terms of how much you want to invest, how long you want to leave the money before using it, whether you want a zero-risk, low-interest investment or whether you’re perhaps more interested in something a bit riskier which could turn out a bit more profitable too. If so perhaps look at some unit trusts, or if you’re properly willing to take risks then perhaps you should be looking at derivatives and CFDs, but for that you need to study learn a lot about trading on the stock market first, and make sure that the others in the stokvel are aware of the possibilities and potential pitfalls of the stock market.

If you’re just starting out small and don’t have the capital, firstly to risk, or secondly to purchase fancier financial products, then joint savings in something like an FNB stokvel account is certainly the way to go.

Stokvel Accounts from FNB is an original post from: Bad Debt Advice and Finance Solutions

No related posts.

Renting:

Renting can be beneficial to those of you who are just starting out and would like to live in a particular area but cannot afford to purchase a property there. In addition to this, renting is far more flexible with you being able to sign leases from anywhere between three months and two years. Many people also suggest that this is the more cost effective option due to the fact that the rental market has grown significantly which means that rental properties are becoming increasingly competitive and provide a wider selection of choice. Renting is great for those of you who do not want to be tied down to anything and who are looking for flexibility. This means that if you are a perpetual traveller and do not want to be tied down to a bond then this is definitely the option for you. However, there are certain cons to renting and these include having to deal with unreasonable landlords, not really having a say if you live in a complex as the owners will sit on the body corporate but you cannot. Another issue that has become prevalent is the ability to have pets in rented properties. Recently when looking for a flat myself, almost 80% of all of the properties that I viewed only informed me after I requested to sign a lease that they did not accept animals of any sort. In addition to all of this, you cannot make any changes to the property that you live in without permission from the landlord and this can sometimes be very tricky. Moreover, should something break and the landlord have to foot the bill, there could be serious delays in this process as it may not be their priority seeing as they do not live in property.

Buying:

As opposed to renting, when you purchase a property you can do with it as you like in most cases. In some instances, especially if you have purchased a flat or apartment in a complex, you may have to get approval from the body corporate before any renovations occur. When you purchase a free standing home, you may have to apply to the town council to make any changes, especially if the property is deemed to be a heritage site. There are great advantages to purchasing a property. If you have the capital available to purchase a property with cash rather than with a bond, then you can quickly and easily get a return on your investment if you rent out the property. Alternatively, if you have the capital to pay off your bond quickly then that can be extremely advantageous, especially if you are looking to buy a number of properties and require bonds on those too. Banks will take one look at your credit history and the time period in which it took you to pay back your initial bond and if you have done so quickly then I do not see any reason why they would not approve another bond in your name. One serious downfall to purchasing a property however is that should you for any reason need to sell your house within two years of taking out a bond, you will be hit with a serious penalty.

I hope this answers your questions of: To buy or to rent? This decision should be assessed in depth beforehand.

To Buy or to Rent? What’s the Wiser Option? is an original post from: Bad Debt Advice and Finance Solutions

No related posts.