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For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

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For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

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By Turnover

First Business Zero (R0 - R5 million p.a) Gold Business (R0 - R5 million p.a) Platinum Business (R5 million - R60 million p.a) Enterprise Business (R60 million - R150 million+ p.a)

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Business Accounts Credit Cards Cash Solutions Merchant Services eWallet Pro Staffing Solutions ATM Solutions Ways to bank Fleet Services Guarantees

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Overdraft Loans Debtor Finance Leveraged Finance Private Equity Vumela Securities Based Lending Selective Invoice Discounting Asset Based Finance Alternative Energy Solutions Commercial Property Finance Fleet Services

Insure

Insurance

For my employees

Staffing Solutions Employee benefits

Forex + Trade

Foreign Exchange International Trade Structured Trade + Commodity Finance Business Global Account (CFC account)

Value Adds + Rewards

Connect my business the dti initiatives Business Hub eBucks Rewards for Business DocTrail™ CIPC Instant Accounting Solutions Instant Payroll Instant Cashflow Instant Invoicing SLOW 24/7 Business Desk FNB Business Fundaba nav» Marketplace Prepaid products Accounting integrations

Industry Expertise

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Global Commercial Banking

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Overview

Bank Better

Demos KYC / FICA Debit order + recipient switching Electronic Alerts

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Corporates + Public Sector

Corporate Public Sector

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Private Banking

Private Banking

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Structured Loan


An innovative product to leverage your balance sheet

The Private Clients Structured Loan provides secured finance for larger property acquisitions and investments. It offers you access to capital for other opportunities by letting you borrow against mixed collateral, which could include a combination of property, shares, cash, and other investments allowing you to choose from a variety of repayment options.

What's in it for you?


Unlocking a world of possibilities

Structured Loan can be crafted to enable you to purchase residential real estate, or allow you to finance rental portfolios and lifestyle property. Alternatively, you have the option to leverage your existing equity in property to provide you with the funds to take advantage of other opportunities.

Liquidity with no restrictions

Leverage your balance sheet to unlock liquidity, and take advantage of investment opportunities to build your wealth portfolio.



Refinance your property

The ability to refinance your property to finance a new venture.



Multiple properties

Consolidated under one loan with one monthly service fee and interest rate, making it easier to manage your investments and your debit balance.



Mixed collateral

You have the option to secure your loan using a combination of property (a single or multiple properties) and shares.



Build your home

Enjoy peace of mind and a simplified process when it comes to designing or renovating your home.



Save interest & earn rewards


Save on interest by consolidating debt into a single account and rate. You can also earn points towards your eBucks rewards level.

You can get 50% back in eBucks on your first Home Loan repayment.*

You could also get up to 40% off on selected items in the eBucks Shop and on selected local and international flights, as well as on domestic car hire when you book through eBucks Lifestyle.

*50% back in eBucks capped at eB61 000. See T's and C's for more information.

 

nav» Home tools


Find or sell your home

Get pre-approved

Start the journey to your dream home.

Read more

Get free instant value estimate

Start your journey to your dream home.

Read more

Move in!

Let us help you find all your moving home services.

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Find your home

Find the property you're looking for on your smartphone.

Read more

Know what it costs

Calculate your monthly repayments.

Read more

Sell your home privately

Connect with FNB customers most likely to qualify for a home loan

Read more
 

Repayment options


Structured uniquely for you

Repaying your loan is easy, flexible and entirely up to you.

Amortising

Regular monthly repayments to service capital, interest and fees, and settle the balance over the term of the facility.

Interest only

The full facility is available over the full term. Monthly interest and fees must be serviced, and the loan amount settled at the end of the facility term.

Non-amortising

Make monthly repayments to service the capital, interest and fees whilst having access to the full facility limit over the full term of the facility. The loan amount must be settled at the end of the facility term.

Interest roll-up

The full facility is available over the full term, and monthly interest and fees only need to be serviced when the approved credit utilisation limit is exceeded. The loan amount must be settled at the end of the facility term.

Insurance


About building insurance

Home Owners Cover (HOC) is comprehensive insurance to protect your building or home.

Read more

Importance of insurance

Insuring your home is not only desirable in South Africa, it is mandatory.

Read more

Approved insurance providers

FirstRand Bank Limited is affiliated with top insurance companies.

Read more

What to expect

Experience a seamless bond registration process with these guidelines.

Read more

Applying made easy


Structured Loan

Qualifying criteria

  • Earn between R750 000 and R1499 999 p.a. to qualify

How to get it

Apply now!

Other ways to apply

Find a branch

Please contact your Private Banker or the Private Clients Service Suite
on 087 575 4727

Documents needed

  • South African ID book (bar-coded)/valid South African passport (SA resident)
  • Passport with valid work/retirement permit (non-SA resident)
  • Proof of residence (in your name, and not older than 3 month's)
  • Latest payslip or last three months' bank statements (for overdraft applications only)


About building insurances

Home Owners Cover (HOC) or simply, building insurance, is comprehensive insurance to protect your building or home from the risk of structural damage usually caused by fire, lightning, flood, storm, wind, hail, snow, bursting of geysers and water pipes, theft, power surges, impact, accidental damage, loss or damage during construction or alteration, explosions, earthquakes not caused by mining activities, subsidence, heave and landslip.

It will usually also cover any alterations that may be done to increase the value of the property, i.e. the physical structure, permanent fixtures and fittings, lapas and swimming pools. Building insurance will generally also cover damage to your primary home including the garden, garage and outbuildings which exist on the property.


Importance of insurance

Insuring your home is not only desirable in South Africa, it is mandatory as banks are not likely to grant a mortgage bond if the homeowner does not insure the structure that is being provided as collateral to the bank for the term of the loan.

While you do have the option to provide cover of your choice, the bank will encourage the homeowner to insure through its associated insurance company. In addition, the bank has negotiated competitive premiums and benefits on your behalf to ensure that you enjoy comprehensive cover.

Remember that your home is probably the most expensive asset you own, and it is therefore important to ensure that you have the best possible cover.


Approved insurance providers

FirstRand Bank Limited has an existing relationship with two preferred insurance providers; FirstRand Short- term Insurance (STI) and FNB Insurance brokers (which is currently underwritten by Santam, Old Mutual Insure and Hollard).

Should you not have received a quote from our preferred insurers, please contact them on the following details:

  • FirstRand Short- term Insurance (STI) - 087 312 0001
  • FNB Insurance brokers - 087 736 7694

FirstRand Short- term Insurance (STI) and FNB Insurance brokers will have a detailed discussion with you to ensure that you are happy with the cover, premium and service. Should the experience be to your satisfaction and you are comfortable with the quote, your cover will be activated with a future date - once the bond registers.


What to expect

If you have opted to provide your own insurance cover for your property to the bank, please ensure that a copy of the policy is provided to the attorneys when the bond registration documentation is being signed. Failure to provide a policy will affect the bond registration process and will result in delays until such policy is provided.

In order to facilitate a seamless bond registration process and client experience, we encourage that the above is adhered to.

Get a free instant value estimate


Have you any idea what your home is worth? A free value estimate of your property is very useful at the start of your home journey. nav» Home reveals the way. Look for it in the FNB App.

Find your home


With thousands of properties to choose from, you will definitely find your ideal family home. Search nearby to find homes near your work, schools or the area you have been looking for. Nav» Home reveals the way. Look for it on the FNB App.

Get pre-approved


It's easy to get your home financed with FNB. Get an instant pre-approval for qualifying customers. Nav» Home reveals the way. Look for it on the FNB App.

Know what it costs


Calculate your monthly repayment

Use our calculators to understand all the costs you are in for - your monthly repayment, the maximum home loan amount you qualify for and even know the deposit you may be required to pay in to buy your new home! Nav» Home reveals the way. Look for it on the FNB App.

Move in!


Let us help you find a moving company in your area as well as interior decorators, gardening services, plumbers, security services and painters.

Match with an FNB buyer


For the first time ever you can now sell your home privately through a financial institution. Plus, you can do it for free, using the Banking App.

Benefits of selling privately

  • Save on costs by connecting directly with the buyer
  • Know upfront how much you'll save
  • Get exposed to an FNB buyer most likely to qualify for a home loan
  • Use a trusted platform backed by an innovative bank with years of financial services experience
  • Chat to prospective buyers directly to close the deal

How it works

Go to nav» Home to see how you can sell your property privately and safely using the app.