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Buildings Insurance protects the structure of your home as well as all the permanent fixtures and fittings in the event of fire, floods, lightning and other unforeseen causes. How much should I insure my home for For buildings insurance, you need enough cover to rebuild your home and replace all the fixtures and fitting within the home from scratch. There may be a significant difference between the actual replacement cost of the buildings and the market value of your property (which includes the stand, its location, as well as the age and condition of the property). The Buildings Insurance policy provides cover on a new for old basis, therefore it is critical to assess the costs you would incur if you had to rebuild your home at today s building prices. bond in investing savings

The cost of building materials and the cost of building labour changes on an ongoing basis. You need to ensure that the sum insured that your property is covered for is adequate on an ongoing basis. If you under-insure your property, you will find, at the time of claiming, that the insurer will not settle your entire claim. bond investment toledo toledo

Your MortgageSA Consultant can advise the basis on which to calculate the replacement cost for your property. What happens if damage is caused to your property when you have tenants in the property The cover under this policy will NOT be invalidated by any act or omission of a tenant, without the policyholders knowledge, provided the policyholder notifies the Insurer in writing as soon as he is made aware of such act or omission. james bond trading card

Who should I contact if I have a query regarding my policy

You should contact the MortgageSA Insurance Helpdesk on 0860 0123 60. Alternatively you can E-Mail your query to myinsurance@mortgagesa.com To have one of our Insurance consultants contact you at a convenient time, please click Call back to submit your details My Folder Login bond in investing stock

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Insurance Enquiry If you would like to enquire about Property Finance / Home loans, please Investment Bonds Bond Trading . If you would like to enquire about our insurance and planning services, please complete and submit the form below to have one of our insurance consultants contact you at a convenient time to discuss your insurance requirements First name * * municipal bonds investment

Surname * * Email * * Home phone * * Work phone * * Cellphone * *(please supply at least one valid telephone number) * Select Insurance Services Enquiring about: Buildings Insurance Mortgage Protection Plan Short Term Insurance Financial Planning Services General Enquiry Additional Comments * Fields marked with an asterisk (*) are compulsory My Folder Login bond terms trading

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Mortgage Protection Plan This section provides you with details on how you make a claim against your policy, and the claim documentation that is required for each claim event. bond debt high in inside

• How do I claim
• Claim notification period
• Claim requirements
• Claim forms
• Administrator s contact details

Introduction First time home owner Home buying tips Purchasing property in South Africa as a foreigner Search for a property

Capital Gains Tax Non-residents are only liable to pay CGT on the disposal of the following : bond greenville greenville

• Immovable property situated in South Africa, including any right or interest in immovable property. trading stock and bonds

• Assets of a permanent establishment of a non-resident through which trade is carried on in South Africa. bond investing municipal

CGT is payable in the year in which the asset is disposed of and is calculated by adding 25% of the capital gain, or profit, to the individuals income for that year and taxing that income tat the individuals marginal rate of income tax. The maximum marginal income tax rate for individuals in South Africa is presently 40%. The capital gain is calculated and disclosed in the individual s income tax return for the year in which it is sold. Thus, if a non-resident disposes of an immovable property in any year of assessment and is not already registered as a South African taxpayer, her or she will have to register as such and submit an income tax return reflecting the calculation of the capital gain and will be liable for the payment of CGT on that gain. basis bond finance hill

South African residents to not pay CGT on the first R1 million of profit made on the disposal of their primary residence. However, non residents will not qualify for this exemption if there primary residence is not in South Africa. bond explained terms trading

Introduction First time home owner Home buying tips Purchasing property in South Africa as a foreigner Search for a property

Income Tax South Africa follows a revenue based income tax system meaning that income earned from a South African source will be subject to ordinary income tax. Accordingly, any rental earned by non-resident in respect of South African properties will be subject to income tax and it is the responsibility of the non-resident to register as a South African tax payer. bond business investing stock

Income earned by natural persons below R27 000 per annum (for persons under the age of 65) and R42 640 (for persons above the age of 65) is exempt from income tax, whilst all income earned over and above the aforesaid amounts, will be taxed at a marginal rate applicable to that non-resident. bond houston houston

Corporate entities are subject to a tax rate of 30% of each Rand of taxable income whilst the equivalent rate for a trust is 40%. Non-resident companies are taxed at a rate of 35% but are exempt from Secondary tax on companies (STC) in respect of dividends paid. stock bonds day trading

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Glossary A B C D E F G H I J K L M N O P Q R S T U V W X Y Z Access Bond This facility allows you to draw funds up to a predetermined loan amount. Accrued Interest investment bond uk

Interest earned but not yet paid. Administration Fee Fee charged by a lender to cover the initial costs of processing a loan application. The fee may include the cost of obtaining a property appraisal, a credit report, or other closing costs incurred during the process or the fee may be in addition to these charges. Affordability The lender needs to assess whether you can afford the monthly installments on the home loan. Your monthly income must be of a permanent nature and joint income may be taken into account where appropriate. The general rule of thumb is that your monthly installment should not exceed 30% of your gross monthly income. This calculation is referred to as the Affordability factor. Affordability factor (AF) = {monthly loan installment divided by gross monthly income} x 100. bond trading strategy

Voetstoots This clause is always found in a sale document and means let the buyer beware All defects must be mentioned to the buyer upfront. If there are any defects in the property of which the seller was unaware, the buyer will acquire the property with such defects. Need some additional information Glossary Frequently asked questions Need prequalified finance, a new loan or further loan Click the button below to submit your details and have one of our consultants call you back. bond fixed in income investing

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News centre Featured Articles Youth Independence - Property Investment is the Answer A cheaper alternative to buildings insurance - SA s leading bond originator launches own buildings insurance product bond dayton dayton investment

It s also important to consider the repayment-to-income ratio, to determine whether you can really afford to keep up your loan repayments, and aren t setting yourself up to default. Typically, advises MortgageSA, the buyer s mortgage repayments should not exceed 30% of their gross monthly salary. For how long will I be paying off my bond bond management market risk

A 20-year (240 month) repayment term for the mortgage is fairly standard amongst most lenders. Buyers should be aware that they can negotiate for longer or shorter terms. But, cautions Geffen, this can affect the total cost of the mortgage in terms of interest paid over the long term. It should also be noted that some lenders will not grant bonds to buyers who may not be economically viable for the full 20 years in other words, those who are close to retirement age. bond in investing municipal

By asking these simple questions, potential buyers can take a lot of the guesswork out of what is after all a major investment, requiring careful consideration. Online resources centres can also be a good source of support, and can help buyers assess the financial implications of buying a home. Amortization, transfer cost and affordability calculators, like the ones available on www.mortgagesa.com, have been designed specifically to help buyers identify the various scenarios they may face, and work out how much flexibility they have should any of these factors change. bond investment las las north

For professional advice on considering the financial aspects of property investment, contact MortgageSA on 0860 0123 60 Need some additional information Glossary Frequently asked questions Need prequalified finance, a new loan or further loan Click the button below to submit your details and have one of our consultants call you back. My Folder Login future bond trading system

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News centre back to News Centre Send this article to a friend 15 February 2007 Save, don t spend is expected message for Budget 07 This year s budget is expected to introduce further initiatives that promote personal savings and discourage overspending after several years of conspicuous consumption by South African consumers. bond in investing junk

Ian Mcdonald, National Manager of Financial Planning at MortgageSA, says the treasury will almost certainly be focused on putting brakes on consumer spending so people should not be surprised if this year s budget does not include a reduction in personal taxes as it did last year. bond investment orlando

I think the focus this year will be a strong message of save don t spend And hopefully will address further incentives for retirement savings in particular. One way of achieving this would be to raise the tax deductible amount an individual can claim on contributions to Retirement Annuities (RA s). Currently an individual can claim a tax break of up to 15 % for their RA contributions (but limited to the actual amount if it is less than 15%). This is for people who do not belong to a retirement fund. bond free trading

A second concession is to remove the taxes levied on retirement funds under management of financial institutions (Tax on Retirement Funds Act 38 of 1996) which is currently levied at 9% on interest (not capital growth). bond free guide investing

It was lowered last year from 18%, however there have been calls year in and year out before the budget speeches to do away with this tax as it effectively taxes the same money twice, i.e the money in the funds are taxed at 9% and then the annuitant is taxed on the income he/she draws from the funds in their retirement years. bond gainesville gainesville

Mcdonald notes that curtailing consumer spending is an important priority for government this year because greater disposable income further drives consumer spending and credit demand for luxury imported items. bond david david guide guide

The knock on effect is to further widen the current account deficit to fund these imports, something which Tito Mboweni is determined to bring under control as evidenced by recent rate hikes. McDonald says that people should focus on investment in assets that appreciate in value such as property and shares to create wealth, avoiding status purchases that typically quickly drop in worth. Need some additional information bond investment pensacola

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News centre back to News Centre Send this article to a friend 1 April 2007 3 Little steps to financial peace of mind Financial freedom doesn t mean you have to win the lottery or a get an unexpected call from the executors of a long lost uncle s estate in Provence. bond introduction trading

Ian Mcdonald, National Manager of Financial Planning at MortgageSA, says that most people mistakenly think that more money is the only way to financial peace of mind. But the truth is that it is good habits and sound planning, rather that exceptional cash flow, that makes for a sound financial future too. Here are 3 steps to achieving fiscal serenity: 1. Pay off your debts First, make a list of all your debts, advises Mcdonald, and then determine how much interest you are paying on each of them. bond in investing involved

Pay your debts off in order of the interest by settling the highest interest bearing debts first. Mcdonald says that drawing up a budget every month will provide a stark review of your income vs. expenditure. If you spend more than you earn, you will never reduce your debt. Use any spare cash you have to pay off debts until they are gone. It s important to use a budget to make provision to retire debt-free and then spend on other items, not the other way round. bond columbia columbia

Once debt is clear, then people should start a savings plan. 2. Make tax work for you Why pay more tax than you need to Especially when the tax man will pay you to save, notes Mcdonald. Make sure you are benefiting from the tax deductions available for saving towards retirement. We are all entitled to this benefit, the levels of which depend on whether you currently belong to an employer sponsored Pension / Provident Fund or not. becoming bond building by

Mcdonald advises people to have a detailed Financial Needs analysis done by an accredited Financial Advisor. The purpose of this will be to give you a realistic perspective on whether you will meet your financial goals in the short term or long term and should you become the victim of unforeseen circumstances, you will know whether your bank balance will handle it. Mcdonald says this should be a regular occurrence. bond investment springfield

We suggest at least an annual review, as your circumstances change and legislation pertaining to tax changes almost every year as well. Amongst other things the Financial Needs Analysis will include an analysis of how much cover you require to protect the lifestyle of your dependants should you die or suffer a disability or illness which renders you incapable of working either for a period of time or permanently. bond com in investing

3. Provide for your family

The final step is to prepare for you dependents financial stability through life cover. People should ask themselves how their families would live if their source of income was switched off tomorrow. Another important process in this step, Mcdonald advises people, is to remember to review the beneficiary clauses under your life cover policies during the financial needs analysis. bond investment temple temple

Assets you might want to go to certain heirs may also get caught up in the estate winding-up process and could even be sold by the Executor to meet liabilities and costs. An estate can take up to 18 months to be wound up and no doubt beneficiaries would suffer. bond david guide in investing

It s a terrible predicament which could be so easily avoided. If properly constructed the proceeds of the life policies will pay directly and immediately to the nominated beneficiaries and avoid being reduced by Executors Fees. People need to update their wills for the same reason. Again, a simple solution solves a potentially huge predicament. Mcdonald points out that a Financial Needs Analysis will also highlight whether someone is over-insured. bond greensboro greensboro

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