Sebolelo The Estate Agent

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@Enoch940 Ай бұрын

It is a big con. Every second idiot today issues them. To qualify takes about 3 months. In old days it took 4 years. They charge R400 and find R5000 faults. All a scam.

@IOSARBX 2 ай бұрын

Sebolelo The Estate Agent, amazing content keep it up dude

@sebolelotheestateagent5908 2 ай бұрын

Thank you so much. I truly appreciate it.

@chantalveldsman3757 3 ай бұрын

Thank you Sebolelo it's g Grace here and people need to know this 🙏

@sebolelotheestateagent5908 2 ай бұрын

So glad to have assisted. :-)

@sparkle7670 3 ай бұрын

Does every money we pay go towards the principle amount?

@sebolelotheestateagent5908 3 ай бұрын

The extra payment does.

@sparkle7670 3 ай бұрын

@@sebolelotheestateagent5908 the installment doesn't?

@yisehm 4 ай бұрын

Hi, i have fnb bond, i used to have access money from my deposits but now it doesn’t reflect at all

@sifisokhumalo2655 4 ай бұрын

Wow... How much does it go for?

@sebolelotheestateagent5908 4 ай бұрын

www.pamgolding.co.za/property-details/3-bedroom-townhouse-for-sale-waldrift/1vt1661433

@mihlotim 4 ай бұрын

Thank you for this valuable information. Much appreciated. I wish i knew this 12 years ago when i bought my house.

@sebolelotheestateagent5908 4 ай бұрын

I feel you... That's why I'm here! :-)

@stanleymogola727 4 ай бұрын

So the trick is just to pay more, but if the interest is calculated on a daily basis, then doesnt it make more sense to pay more "daily " to decrease interest earned on the bond?

@sebolelotheestateagent5908 4 ай бұрын

If you are paying extra money towards you bond and it's not an inconvenience to you, you can certainly pay daily. But if it's your standard repayment, you are simply paying the same amount divided by 30. It's easier to pay on pay day because you'll pay again 30d days later. Hope that makes sense.

@wubeadane8411 5 ай бұрын

I love it

@wubeadane8411 5 ай бұрын

❤

@mabongimsomi8372 5 ай бұрын

If you don't have access bond but you pay extra 500 to your bond does that also help reducing years of paying your bond

@sebolelotheestateagent5908 5 ай бұрын

100%

@nthabisengtsotetsi3085 6 ай бұрын

Thank you for answering Premium question and am going to call the bank to increase my monthly instalment. Was going to transfer the extra amount. Thank you❤🎉

@sebolelotheestateagent5908 6 ай бұрын

Debit order os definitely best.

@khadisjahgoses7651 6 ай бұрын

Thank you so much 🙌🏽 very insightful

@sebolelotheestateagent5908 6 ай бұрын

So glad you appreciate it. Keep watching for more.

@ArthurMsimango 6 ай бұрын

How much

@sebolelotheestateagent5908 6 ай бұрын

It's R1 450 000 neg.

@xolani_delman 6 ай бұрын

Hi Sebolelo, Thanks for this content. I'm a new subscriber 😊. A quick one though...what do you say to people who make multiple repayments towards bond p.m with the understanding that, interest will always be calculated on the new lesser principal amount? By so doing, saving on interest. I would like to hear your take on that.

@sebolelotheestateagent5908 6 ай бұрын

Hi Xolani, thanks for subscribing. 🙂 It's better to set it up as a once-off debit order. Remember you will be making payments every 30 days... So it doesn't make a difference when the 30-day cycle begins. eg) If you pay extra on the 6th - 30days later will be the 6th. If your debit order goes off on the 25th - 30days later will be the 25th. I always recommend a once-off debit order of the total amount.

@laaiqaheksteen 6 ай бұрын

Thank you so so much, this information was helpful.

@sebolelotheestateagent5908 6 ай бұрын

I'm so glad you appreciate it. Keep watching for more.

@Licious1ification 7 ай бұрын

May I add that ... every year when you get a salary increase, take like R200 and add it to your bond repayments..... then over time you will see a diff... and if we learnt this a few yrs ago we would be done

@sebolelotheestateagent5908 6 ай бұрын

100%

@lsg4lyf 7 ай бұрын

Thank you. very insightful… Now I know why my bind keeps going down…

@sebolelotheestateagent5908 7 ай бұрын

All the best.

@MaliM-oy5jc 7 ай бұрын

Very insightful and interesting.

@sebolelotheestateagent5908 7 ай бұрын

So glad you appreciate it.

@p_stunner_ 7 ай бұрын

You are truly amazing. Thank you so much for making me excited again about making that decision ♥️

@sebolelotheestateagent5908 7 ай бұрын

It's a great time buy.

@ntsebengmothibedi6944 7 ай бұрын

Thank you 🙏

@sebolelotheestateagent5908 7 ай бұрын

Totally my pleasure.

@p_stunner_ 7 ай бұрын

Thank you ma’am for this. Sharing such important information with us for free. ♥️

@sebolelotheestateagent5908 7 ай бұрын

Thank you. I'm so glad you appreciate it. Stay tuned for more.

@Drew-2.0zw 7 ай бұрын

Thanks for the informative video.if my bond account has an access amount, can i instruct the bank to capitalize it so that i can't withdraw it?

@sebolelotheestateagent5908 7 ай бұрын

There is nothing you can do to limit access. 😞As long as you are paying extra, you can access it.

@nthabisengtsotetsi3085 6 ай бұрын

@@sebolelotheestateagent5908 Yes he can with FNB. I am using FNB.

@nthabisengtsotetsi3085 6 ай бұрын

You can if you using FNB. I do not know about other banks.

@laurensmith3375 8 ай бұрын

I pay extra, but my monthly repayment is not coming down😢

@sebolelotheestateagent5908 7 ай бұрын

It may just take some time for the compounding effect to show. Don't give up.

@joykiejoyo 4 ай бұрын

I used to pay R2k extra and I didn’t see any difference then stopped paying 😢😢😢😢😢😢

@Ndlela-Yami 8 ай бұрын

I used to avoid looking at my statement because paying the bare minimum meant most of that money was going towards the interest. That’s why hat motivated me to start paying extra, now I can actually see outstanding balance go down

@sebolelotheestateagent5908 8 ай бұрын

I'm so proud of you. We can't keep wasting our money on charges and unnecessary interest. Let's fight the system. Lol.

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