My fiance and I applied for a house bond. We were granted 90% on the house bond although HOME LOANS couldn't give a detailed explanation as to WHY WE DIDN'T QUALIFY FOR 100%Firstly they messed up with not giving my fiance as a Liberty staff rate member - STANDARD BANK STAFF RATE OF WHICH HE QUALIFIES FOR, we still resolving this issue with very little help from HOME LOANS AFTER THE BOND HAS BEEN APPROVED, at the incorrect interest rate! based on our affordability we would be more than able to pay the 100% bond with our great credit record, salary, savings security assets, additional rental income and outstanding payment history. The bank has decided to make profit in the short term on the 10% by providing us with a high interest rate on a micro loan to fill in the short fall of the property. If a 100% loan is approved we would pay less on monthly repayments than we would on their current quick profit structure. We'd like to ask a review of affordability, property value, liabilities, bond security and all other aspects which will result in a fair decision. As a young couple dis-investing from our current liquidity savings could be detrimental. PLEASE SOMEONE FROM HEAD OF HOMELOANS CALL US
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