Initiation Fee	Ordinary loans	Base rate of R950 + 0.35% of loan amount (with a max of R5200)
	Building loans	Still suspended
Monthly Service Fee	Pre NCA with a total loan granted > R500 000	R28.50 (vat inclusive)
	Pre NCA loans which fall under the Usury Act of total loan granted < R500 000. Should a client take a F/A the service fee will be changed to the current service fee.	R5.70 (vat inclusive)
	Post NCA: Client using Absa HOC	R28.50 (vat inclusive)
	Post NCA: Client using other HOC	R45.60 (vat inclusive)
ABSA
Initiation Fee	Ordinary loan / Further loans / Further advances*	Base rate of R950 + 0.35% of loan amount (with a max of R5200)
	Building loan / Further loans / Further advances *	Flat fee of R5200
* * * Only applicaple on the advance portion
Monthly Service Fee	Client using Absa HOC	R28.50
	Client using other HOC	R45.60
	Affordable housing with Absa HOC	R13.68
	Affordable housing with other HOC	R22.80
Fee Concessions	*** Absa is offering a R25 rebate on customers taking a bundle of products.
	*** For customers earning less than R7 500 per month, Absa will charge 50% less on their admin fee.
	*** Customers transactional capabilities on the home loan facilities are provided free of charge.
FNB
Initiation Fee	New and further loans	R4560.00
	Building loans	R4959.00
Variation Fee	Re-advance, Flexi	R228.00
Monthly admin fee	Irrespective of loan amount	R39.90
NEDBANK
Initiation Fee	Ordinary loans	R1000 (Base Fee) + 0.50% of loan amount (with a max of R5000 + vat = R5700)
	Building loans	Flat fee of R5000 + vat = R5700
	Further loans with registration	R1000 (Base Fee) + 0.50% of loan amount (with a max of R5000 + vat = R5700)
	Further loans without registration	No fee charged
Service Fee	Pre NCA customers with a bond <="" td="">	R5.70
	Pre NCA customers with a bond of > R500 000	R39.90
	New customers and Post NCA customers with Nedbank internal HOC	R39.90
	New customers and Post NCA customers with Nedbank external HOC	R57.00
STANDARD BANK
Initiation fee	Non-affordable housing	R1000 + 0.60% of loan amount (with a max of R5700)
	Affordable housing (joint monthly income < R8 600)	R750 flat fee
	Building loans	R5700 flat fee. ** A rate premium of 0.5% will be added to all Building Loans for the entire term of the loan **
Service fee	Client using Standard bank HOC	R42.00
	Client using other HOC & NCA Safe custody account	R57.00
	*** Further loans at Standard bank where the first bond was concluded prior to NCA will attract the above mentioned initiation fee ***