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For My Business

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For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

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Accessing funds

Additional finance when you need it

Require more finance or access to cash? When the need arises for renovations, additional properties or a big expense, these options can offer the funds you require.

 

Readvance

Withdraw funds from your existing home loan

Readvance allows you to withdraw funds from your existing home loan in an easy and convenient manner. Readvance gives you access to the funds that make up the difference between the original registered home loan amount and the outstanding balance. It's simpler than registering an additional home loan and the funds are readily available.

Access funds

Withdraw funds from your existing home loan in an easy and convenient manner.

Get more

Access the funds that make up the difference between the original registered home loan amount and the outstanding balance. Subject to credit assessment.

How to apply

You may apply for this benefit through the FNB App, or call 087 730 1144.

Flexi Option

Get access to Prepaid funds

Lower interest payment by making additional repayments into the home loan.

  • 24/7 electronic access to funds via digital channels (FNB App or Online Banking)
  • Free notifications when transacting
  • Earn points that contribute towards the eBucks reward level when Prepaid funds are utilised.
 

Unbonded property

Use your home as security to finance your needs

An unbonded property can be refinanced with FNB when you require access to funds. These funds will be made available once bond has been registered and you have signed the necessary documents. You will be required to undergo a credit assessment before obtaining the funds.

Future Use

Create a surplus to access later

Future Use enables you to register a bond greater than the home loan amount you require, creating a surplus amount that you can access at a later stage, without further registration, subject to credit approval. Future Use takes into consideration the hectic pace of life today and the fact that your needs change from one moment to the next. By planning ahead, you can use the available value in your home to your best advantage.

  • If your home value is not more than your current loan amount, the Future Use amount can only be used for home improvements that will increase the value of your home
  • The Future Use withdrawal amount may only be appliead for 6 months after the bond has been registered
  • Your monthly repayments will be calculated on the total loan amount and will be recalculated with each subsequent Future Use pay out
  • Minimum application amount of R35 000 permitted
  • It is a requirement to pay your home loan by debit order or salary stop order
  • A credit assessment will be conducted and your home loan interest rate and pricing may be affected
  • If the Future Use portion has already been registered, there will be no registration costs

Getting it made easy

Accessing funds

How to get it

Download the App