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  • Why it pays to opt for shorter-term bonds when you buy a property
  • Buying a property is likely to be the largest financial purchase you'll ever make. So it pays to make the right decision when it comes to getting a bond for your property. One of the things you'll need to decide before deciding on your bond is the term to take it over. Do you opt for 20-years, 25-years or 30-years? Don't let the idea that you're saving money on monthly repayments by opting f... ››› more
  • [08 January 2015]
  • How to pay off your mortgage loan faster
  • In a down or uncertain economy, the smartest thing you can do is reduce debt in all areas of your life. Paying off your mortgage loan sooner is one of the best things you can do for your financial future. On the road to financial freedom, you're going to have to make a few sacrifices. Paying off your mortgage sooner will be worth the trouble, since the psychological and financial rewards of be... ››› more
  • [08 December 2014]
  • The difference between secured and unsecured loans
  • Whether you want to buy a new car, purchase a new house, or attend an expensive college, you most probably need to obtain a loan from a bank or a private lender. You can opt for secured or unsecured loans, depending on what the bank or lender offers you and on the amount of risk you are willing to take. Secured loans are often the most affordable option if you're looking to borrow a larger a... ››› more
  • [22 August 2014]
  • How do credit reports work?
  • When you want to get a loan or a new credit, lenders will look at your credit report before deciding whether to approve the loan and how much interest to charge. Your credit report is a detailed financial history, which includes information such as bills, missed payments, debts, available credit, and bankruptcies. This type of information will remain on your credit report between seven and ... ››› more
  • [21 July 2014]
  • Effective ways to manage your student loan
  • Post-secondary education costs are on the increase and this leads many young people to take out student loans. When you're just out of high school and getting ready to start college, you don't really understand how a student loan will actually influence your life. But most people finish paying off their student loans late in their 40's or 50's, which can be frightening when you think about it.... ››› more
  • [11 July 2014]
  • Shares in ABIL tumble as Moody's classes its debt status as junk
  • Shares of African Bank Investments, more commonly known as ABIL, has seen its shares tumble today. This follows an announcement by ABIL about ratings agency Moody's view of its debt status. Due to Moody's concerns over the bank's debt, it has dropped its debt status to junk. Let's take a closer look at what's going on… Moody’s is concerned over high rate of bad loans Moody’s has cut A... ››› more
  • [30 May 2014]
  • ABIL reports a massive increase in bad loans
  • Earlier today, African Bank Investments Ltd (ABIL) released its results for the year to the end of September. The bank saw a huge increase in bad loans. Let's take a closer look at what Abil's results showed… Abil said that it posted an “88% plunge in full-year earnings,” reports Fin24. This as the bank struggles to contend with “a sharp increase in bad loans”. Headline earnings ca... ››› more
  • [11 November 2013]
  • Why you're not able to get a loan and what you can do about it!
  • Whether it's for a new home or a start of a new business, one day you'll probably need a loan. The thing is, people are struggling to get loans nowadays and I often hear the common words: “My bank won't grant me a loan to buy some property to live or invest in” or “No one will give me money to invest in a new business.” And with the advent of the unsecured lending scenario that's hit our... ››› more
  • [28 June 2013]
  • The debt time bomb could mean more trouble for miners
  • We all know how fears of an unsecured lending bubble have pummelled the shares of the largest lender in the sector, African Bank, in recent weeks. We all know how fears of an unsecured lending bubble have pummelled the shares of the largest lender in the sector, African Bank, in recent weeks. African Bank has had to write off a countless number of loans as bad debt as debtors just haven't... ››› more
  • [13 June 2013]
  • Revealed: How SAA's really staying in the air…
  • For weeks, analysts have expected South African Airways (SAA) to announce its bond issue. Instead, it's postponed its bond issue in favour of borrowing R1.5 billion from two banks. The reason? It desperately needs this money to stay afloat…   Investors were getting excited about SAA’s bond issue announcement.   After all, when a company issues bonds, it’s basically borrowing... ››› more
  • [07 May 2013]

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