Home Loan


Ithala home loan offers you an opportunity to buy, build, improve or renovate your own property in urban and rural areas. The loan is secured by registering a mortgage bond against your property.


  • Build, buy, improve, renovate or extend your house while you are economically active
  • Use equity on your home loan for additional funding of needs you may have
  • Use equity on your existing property for managing your debts
  • Repayment terms are up to 360 months
  • Loan is repaid before your retirement
  • Competitive interest rates
  • Loan amounts are up to 100% of the property value


  • Self-employed or permanently employed South African citizens
  • The property should be within Kwa-Zulu Natal (KZN)
  • Earn a minimum salary of R3 500

Rates & Fees

  • Monthly repayments are done through debit orders or employer deductions.
  • A once off initiation fee will be charge to the maximum allowed by National Credit Act (NCA)
  • A monthly Service fee is also charge as the maximum allowed by the NCA
  • The interest rate is prime-linked over the term of the loan