How To negotiate the best Home Loan interest rate

[@marvinmm4325]

Thanks for sharing such information Nicolette, people from disadvantaged backgrounds we never had such financial education so it's a privilege to get to see your videos.. God bless you..

[@FinancialBunny]

Thank you

[@thulidagracedndlovu4826]

So true this is a godsend @marvin

[@lindokuhlemaphanga5521]

I like your videos... Watching them is using the internet right.

[@oniccamokoena3411]

Thank you Nicollet. Im getting smarter everytime i watch ur videos. I dont even gossip anymore. I have better things to talk about... Like finance. 😘

[@gugugumede3199]

Mara Onicca 🤣

[@vandycbv502]

i started watching your videos because you are beautiful but now, iam more interested in business than before. Thank you so much.......

[@thobiswamngadi419]

Sis Nic please make a video on Trust funds and how they actually work, and their pros and cons altogether. Ngyacela.

[@FinancialBunny]

As in a trust fund or the trust structure

[@thobiswamngadi419]

@@FinancialBunny The trust structure, and their diffent types how they work and and a bit of advice for a person who already has one or would like to look at it as an option. Lol I usually hear the term "trust fund babies", it just spiked my interest.

[@glesendamettelerkamp4960]

Nicolete pls do a video on setting up a trust. Example buying your property investments in a trust! Even if its possible to put other investments, dividends etc into this trust. The pros and cons of a trust and most important the costs for setting up a trust.

[@khotsomohlala1106]

I feel like you having a conversation with me, plus i like your low key Live Bloopers😏. Aint nothing rehearsed but the info you give us

[@asandamoko5437]

Always so informative, thanks sisi.

[@mokgadisdiary8420]

Hey Nicolette, thank you so much for this, the video ended at "do not be impulsive when it comes to.." would you mind please finishing you sentence for me? I truly appreciate your advice ❤️❤️❤️❤️

[@FinancialBunny]

Accepting offers I think

[@mokgadisdiary8420]

@@FinancialBunny thank you so much luv ❤️❤️❤️

[@carolmk3114]

Thank you for the information it is very eye opening. Please include industry normals if its possible - it help us to have a type of benchmark. I would really appreciate numbers so I know exactly when I have hit a jackpot and when it would be wise to step back.

[@mpumizwane5354]

Hi Nicollete. Thank you for the video. I have a question. Do the home loans include the transfer costs? Like, for someone without the money for all those costs but do qualify for the amount you apply for?

[@travelwithposh7129]

Thank you Coco!!! You are honestly the absolute best!!!!

[@abongilem]

Thank you for these videos. Can you please do a video on the pros and cons of changing banks for your home loan and what to look out for.

[@FinancialBunny]

Coolies

[@beingteboho]

ke kene sekolo joale, mohlang ke etsang loan mona tla be ke le motho a tsebang na o hloka ho botsa eng... thank you so much for this Nicolette.

[@SprayandPray_Nub]

Thanks a lot Nicolette, just wanted to know, do qualifications matter when applying for a home loan?

[@FinancialBunny]

Not as far as I know but there is a financial products for professional degrees. Just need to find more information on it

[@imtibest4823]

Hi Nicolette thank you for the very informative video, I wanted to know is the best strategy to go multiple banks myself? Or use services like Better Bond and Ooba to apply at the banks on my behalf? Are there cons to using the latter?

[@khuthadzothovhakale1246]

Thank you nicollet Can you also do a content for graduates someone who has never had credit in their entire life and probably wants to get a car or a house loan... Do I really need to have other credits so that they can calculate risk and assess me? Etc

[@abongilem]

Khuthadzo Thovhakale you will need to have some sort of credit because if you don’t, banks see you as a high risk and will most likely not want to finance you.

[@FinancialBunny]

Yes you need credit history to show you can manage cretit

[@FinancialBunny]

You can also try save up and buy cash or save for a huge deposit

[@fredamadiba9753]

When I apply at different banks all at once .. Isn't this going to affect your credit score? Like being flagged as desperate Please advice

[@KhanyaNolz]

Can one re-negotiate the interests rate after they have accepted the initial offer from the bank

[@FinancialBunny]

Not really, when you accept you are also accepting their terms

[@somizit2757]

Yes you can, I've done it.

[@KhanyaNolz]

@@somizit2757 thank you

[@FinancialBunny]

Nah don’t get confused by this. How are you going to negotiate immediately after you have accepted? Can you relook are the interest rate a year after signing most definitely but not immediately

[@rakgadibettymashitoa8745]

Thanks for sharing....

[@thulidagracedndlovu4826]

Thanks Nicolette

[@rivoningo]

Thank you Nicolette. 💯

[@mthokozisimagagula]

I got 10 % with another bank after my own bank was offering 10.5 % while they see all my transactions. Would you suggest a person also shops around for another property insurance offer as opposed to the bundled one with the bank? Awusese muhle ke nawe...we are tyring to focus here :-)

[@mokhuranegranny9568]

So what should I do if my home loan is rejected due to missed payments from the past?

[@blessingserwaa2321]

Does high interest rates also mean paying of the loan quickly or what please throw more light on that for me

[@dalfinahhappiness430]

Meaning you are paying more

[@theodelroy]

Did you use a bond originator or you made contact with all banks individually?

[@FinancialBunny]

I made contact with the banks myself. It’s so much easier with the online application feature

[@allthingstan372]

Which bank do you use

[@sweetbqueen2485]

Love your channel

[@kagiso2762]

Some financial advicers don't know how to sell.

[@FinancialBunny]

Sell what?

[@adeolaogunleye7965]

FNB pocket savings interest rate is 6.05% and you still have your money in your account.

[@francoisjohn]

Hi Nicolette can you make a vid about the scandalous issue that you mentioned.

[@FinancialBunny]

What scandalous issue?

[@francoisjohn]

@@FinancialBunny You mentioned it in the video. About you having to pay for them taking the house off the market, or something.

[@FinancialBunny]

Francois Jantjies oh- I have a video about that. I tried to buy a house signed the OTP didn’t know it was legally binding. Called the banks and they said they wouldn’t give me the loan called estate agent to get out of it and she was like nah let the bond originator apply on your behalf. She did and understated my expenses so one of the banks pushed out an approval. I rejected the banks offer as it was over 30 years and the estate agency basically said they had lost potential income with the house off the market so I settled out of court

[@francoisjohn]

@@FinancialBunny Ok thanks. Appreciate your feedback. Love your vids

[@mukondeleliratshilavhi5634]

wouldn't a bond originator do all this for you? Or is it still better to DIY?

[@FinancialBunny]

That’s their job. They might not get you the best deal.

[@mukondeleliratshilavhi5634]

@@FinancialBunny understood

[@luciamokolo4742]

Thank you so much for this video 💜💜

[@isaacisaacks3865]

Is it advisable to buy a house cash?

[@FinancialBunny]

I think buying anything cash is advisable but I know there are people who may argue otherwise

[@luxolotwazi5706]

I once thought of saving up to 1M in 5 years and then go buy a home..but then ......

[@FinancialBunny]

What happened

[@luxolotwazi5706]

its very difficult when you're in the bread winning position...

[@senzymsane2781]

Notification gang💃

[@zukozenani877]

I’m here 💃🏻💃🏻💃🏻💃🏻💖💖

[@sbusisomtungwa9509]

second here

[@guysofly4315]

let's get married already B?

[@FinancialBunny]

Lol in 7 years