Capitec Bank Home Loans

Capitec Bank Home Loans

Capitec Bank Home Loans are offered in partnership with SA Home Loans. These loans are available to any qualifying individuals who are seeking home loans. You don’t need to be a Capitec Bank client to apply.  

Established in March 2001, Capitec Bank now has 7.3 million active clients, who are served by the bank’s 11 440 employees.
In addition to offering saving and transacting services, Capitec also offers Credit solutions in the form of Personal Loans, a Credit facility as well as Home Loan.

With Capitec Bank Home Loans, you can get up to R5 million in finance, over 240 months. Capitec Bank Home Loans can be used to finance home improvements or for purchasing your first home

The loans that are granted are based on your credit profile and affordability. With fixed monthly instalments you are assured of consistency which enables you to budget better

To apply, you can visit any Capitec branch in Gauteng or selected Kwa-Zulu Natal and Western Cape branches.

Opening hours are: 

Mon – Fri – 8am-5pm
Sat – 8am- 1pm
Sun – 9am- 1pm

Once you’ve applied, an SA Home Loans consultant will contact you within 2 working days.

You may get approval within 5 working days after all your documents have been approved.

To apply, you need to be between the ages of 18 and 60 years old. You must not be under any form of debt counselling.

Capitec also provides free retrenchment and death cover for loans longer than 6 months. If you’re retrenched when the loan is less than 3 months you get cover of 50%.

Documents required for the application process: 

  • Valid South African ID
  • Copy of marriage certificate and/or antenuptial contract
  • Latest 3 months’ salary slips
  • Latest 3 month bank statements

For more information about Capitec Bank Home Loans, visit

Categories: Loans