HOW IT WORKS

You need to be a member of the relevant Fund for at least 12 months
The amount you can borrow depends on your fund savings, what you can afford, and the percentage as per fund rules
Repayments are deducted from your salary
A further loan can be available at any time, subject to affordability and fund rules
If the prime rate changes your interest rate is adjusted accordingly
The maximum loan term is dependent on the Fund or normal retirement age, whichever comes first

BENEFITS AND COSTS

Favourable interest rates, initiation fees and monthly service fee negotiated at a Fund level
You can use the pension-backed home loan to:
Build or buy your primary residence

HOW TO APPLY

Click here to access the application form
Email your completed application form and supporting documents to applications@advicecube.co.za
Contact us on 0861 732 688
Email us at applications@advicecube.co.za

We will need the following documents:

You must own your home and be a contributing member of the Fund for at least 12 months
Fully completed and signed PBHL application form
Your South African ID
Proof of residence not older than 3-months
Most recent 3-months consecutive pay slips
Most recent 3-months bank statement
Marriage certificate (if applicable)
A consent letter from your spouse if you are married in community of property (or your spouse's signature on the application form
The building quotation or invoices for your home related costs or offer to purchase
Proof of home ownership