I applied for a homeloan with FNB Housing Finance in feb 2012 for a home loan and got a homeloan from them with a very high interest rate of 12.7%.the prime interest rate is 8.5% .They said that i'm a risk. the interest rate came down with 500 basis points, then my rate was 12.2% . i phone fnb housing finance to ask what can i do to reduce my rate, and they said i'm still a risk and i must make more debt to build a profile.i did that and contact fnb after a few months again for a rate review and they said i'm still a risk but only bring i down to 12.05% (not even a half percent) i have been loyal to client for 15 years and fnb are ripping me off.
i'm thinking of doing a bond switch because fnb, my own bank can't help me. i don't know why are even saying fnb how can i help you. should be how can i rip you off.!!!
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