Standard Bank Home Loan Pledge

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Hi and Welcome to yet another informative session with us GPF Mortgage your personal Mortgage broker. For those who have applied for a Home Loan from Standard Bank you might have received a Home Loan Pledge from them but was not sure exactly what it meant. Well today we would like to explain exactly what a Home Loan Pledge from Standard Bank actually means and what you can expect. Please feel free to contact us or visit our website at www.gpfmortgage.co.za for more information or if you need assistance in applying for a home loan.

Economy & Finance Business

What is a home loan Pledge?
A Std bank home loan pledge is an indication of the amount that Standard
bank may lend you to buy a home.
The emphasis is on the word “may” which means they may decide not to give
you the loan even if you do have a home loan pledge.
If you read through Standard bank’s terms and conditions you will note that
they put a lot of emphasis on the fact that a pledge does not constitute a
fixed offer from them.
In other words, they may still decide not to give you a home loan.

Is a home loan pledge a pre-approval?
No, Standard bank makes it quite clear that a pledge is not a pre-approval.
In other words, they are not committing themselves to your transaction.
Standard bank is simply saying that you may qualify for loan but they’re not
committing themselves to that loan in any way whatsoever.

What’s the purpose of a home loan pledge?
Well, the idea behind a pledge is for you to call the bank and that they can
give you a piece of paper to try and commit you to applying for Standard
bank home loan through them. That’s it.
A pledge is basically similar to quote over the phone…it’s means very little
and is not worth the ink it’s printed on.

Well, I know that is a lot for you to take in so I am happy to
spend some time with you and answer any questions you
have about choosing home loans.
You are very welcome to contact my office at 086 110 6204
or send me a personal email at: info@gpfmortgage.co.za

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