We have a mortgage loan with nedbank and applied to be re-advanced the portion of capital that has been settled to date. There are four applicant involved and the answer received that there is a deficit of R46226.00 per month and therefor the advance could not be considered (due to Affordabilty). One apllicant has a gross income of R15 k but the nett income they are using is Negative R30 K. On second apicant the information given from payslips is not used to determine affordabilty. it is impossible to get a answer on how it is possible to keep all accounts up to date with a combined shortfall of R46226 per month and why different figures are used than the reality.
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