Finance Your Property with Standard Bank: Exclusive Conditions and Benefits
Discover a range of property financing options offered by Standard Bank, designed to support buyers of new and used properties with flexible conditions tailored to your financial situation.
Explore our property financing options:
Required Documents How to Apply for Financing
What Properties Can You Finance?
- ✔️ Residential properties – new or used.
- ✔️ Commercial properties – flexible solutions for business owners.
Available Financing Options
Home Loan
Finance your property with competitive interest rates and flexible terms. You can opt for fixed or variable rate loan options depending on your preference.
- ✔️ Term: Up to 240 months (20 years)
- ✔️ Deposit: Starting from 10% of the property value
- ✔️ Financing: Up to 90% of the property value
- ✔️ Interest Rate: Starting from 8.75% per year
Commercial Property Financing
Ideal for business owners looking to purchase a commercial space with flexible terms and support throughout the process.
- ✔️ Term: Up to 180 months
- ✔️ Deposit: Starting from 20% of the property value
- ✔️ Interest Rate: Starting from 9.00% per year
Specialized Credit Lines
Standard Bank offers specific lines of credit to meet different customer profiles, including options for young buyers and first-time homeowners.
- ✔️ Interest Rate: Starting from 7.5% per year for first-time buyers
- ✔️ Term: Up to 240 months
- ✔️ Deposit: Starting from 10% of the property value
Zero-Deposit Financing
Although most financing options require a deposit, there are alternatives that allow up to 100% of the property value to be financed, depending on the client profile. See how it works:
- ✔️ Financing up to 100% of the property value, with no deposit required.
- ✔️ Adjustable interest rate, usually higher than loans with a deposit.
- ✔️ A strict credit analysis is required.
Residential Property Financing Simulation
If you are considering financing a residential property with Standard Bank, here is an example:
- 🏡 Property Value: ZAR 2,000,000
- 💰 Deposit: 10% (ZAR 200,000)
- 📆 Term: 240 months (20 years)
- 🔢 Annual Interest Rate: 8.75%
Commercial Property Financing Simulation
If you are considering financing a commercial property with Standard Bank, here is an example:
- 🏢 Property Value: ZAR 5,000,000
- 💰 Deposit: 20% (ZAR 1,000,000)
- 📆 Term: 180 months (15 years)
- 🔢 Annual Interest Rate: 9.00%
Use our online simulator to get a personalized estimate based on your specifications.
Finance Your Property Today with Standard Bank
Standard Bank offers a variety of financing options, from home loans to commercial property financing, always tailored to your needs. Click the link to start your application.
Apply for Financing