Welcome to Kiron Properties, where we are dedicated to helping you achieve your dream of owning a home. As you embark on this exciting journey of homeownership, we understand that the process of obtaining a home loan can be a crucial step. To ensure a smooth and successful application, we have compiled a comprehensive Home Loan Document Checklist. Whether you’re a salaried individual or self-employed, this checklist will guide you through the necessary paperwork and requirements for your home loan application. Our goal is to make the process transparent and straightforward, so you can focus on finding the perfect home for you and your family. Let’s begin this exciting chapter together! 

 All Applicants

• Latest 3 months’ salary advise (Fixed basic salary)
• Latest 6 months’ salary advise (Variable income overtime/ commission / allowances)
• Completed and signed NCA (National Credit Act) application form
• Latest 3 months’ bank statements, stamped and printed by bank (Fixed basic salary)
• Latest 3 months’ bank statements, stamped and printed by bank (Variable income overtime/ commission/ allowances)
• Clear copy of green barcoded South African ID / clear copy of new SA ID card, front and back
• Proof of marital status
• SARS income tax number
  
  

    Self Employed Applicants

• 2 Years consecutive financial statements and up-to-date management accounts
• Letter confirming monthly salary from auditor
• Latest 3 months personal bank statements stamped and printed by bank
• Latest 3 months business bank statements stamped and printed by bank
• Completed and signed NCA (National Credit Act) application form
• Clear copy of green barcoded South African ID or clear copy of front and back new South Africa ID card
• for all partners / members – only if you register the property in your Company Name
• Company registration documents – only if you register the property in your Company name
• Proof of marital status
• SARS IT34 declaration
• SARS income tax number

The above requirements are only a guideline and are dependent on the T’s & C’s of the Financial Institutions at the time of your finance application.

Signed with Kiron
The Agreement of Purchase and Sale of Immovable Property