Home loans, car finance, student funding and business finance in South Africa.
One test separates good debt from bad: what are you left holding when it is paid off? Why a bond beats twenty years of rent by R1.5 million, and the three rules that decide which kind you are taking.
SEDA and SEFA merged into SEDFA in 2024. What government funding offers, what lenders ask for, and why personal surety is the clause to read twice.
NSFAS, the missing middle, bursaries and bank loans — which one you get depends almost entirely on household income. What each costs, and the question to ask before signing.
A balloon saves R1,113 a month and costs R42,335 more, leaving R122,500 owing on a six-year-old car. Why it is how people end up underwater.
Why one costs 10.75% and the other 27%, what the cheaper one actually risks, and why consolidating card debt into your bond can triple what you pay.
A bank lends what it thinks you can repay, at a rate set by your credit record. The transfer duty table, the cash costs you cannot bond, what a better record is worth, and the order that works.