And the list goes on my story is just a small piece of it. Thanks for your comment😊✨

Please do, don’t get surprises, sign up using the links in the description box to make sure you know what debt is under your name☀️

Lol🙈😅Thank you Kavithan.

Next time of which I don’t know if there will be a next time, get all the documents in order when cancelling and when it’s paid up. Always follow up! Thanks Olivia 😊✨

Telkom is kak

virgin active too. I finished my 1-year contract with them and apparently I had to email them that I had no interest in continuing my membership with them. 6/7 months later I got a fat bill which didn't make sense coz I wasn't even going to the gym and my contract had ended, so definitely getting a paper trail is of absolute necessity.

I’m so sorry that you went through this injustice twice. I can’t imagine how you must have felt and the headache of following up and getting help. Thank you for sharing your experience ☀️

Hy babe. I’m going through the same thing. Did you get help?

Never again with these ones 🧐🙃 Sorry you had to go through a similar experience.

You can imagine all the questions I had for Telkom, it made no sense and for the bank to not consider anything I was providing as proof 🙆🏾‍♀️even the letter from Telkom ! But I won’t give up we will get the mill+ that were asking for eventually. Thank you Nombuso 😇

Thank you Gabriella😊

Hey Sbo, you are so right! That’s something I never did and now I’ve learned 🙈 congratulations on your properties ✨

Which platform are you using to do the thorough check?

@@nomsa06 i just checked mine on clear score

@@nhlanhla_magz928 Hey Nhlanhla. Soooo I found out that Clearscore is not the extract credit score especially when looking to buy property so I got my credit report from a bond originator and it’s actually out of 959…. If yours is 750 upwards then you’re likely to get great offers and options. I had less so although ABSA and FNB approved, Nedbank and Standard Bank declined immeditely. ABSA offered me a lending interest rate of 9.25% and FNB gave me 10% which I ended up not going for because I want to clear my small time loans as well as build up my credit score by investing and paying my long term commitments at a higher rate. Praying to be able to apply again next year around Feb - March 2023. All the best to you.

@@nomsa06 oh okay thanks I'll ask my bond originator to check, i have bonds that I took out in 2020 and 2021 and I am sure my credit status has improved since then. I just learnt I can renegotiate the interests as my credit improves so I intend doing so.

No I didn’t, I’ve never had a personal loan, just a home loan. But the fastest way is to beat the interest by paying extra, add any amount you can over an above your debit order.

Hey Nokuthula, I sent my third application and the bank declined again but I’m appealing the decline, let’s see how that goes. In the third declined the bank mentioned that I should maintain good conduct on accounts for 6 months to improve my credit history and overall credit score and they said a personal/ short term loans wouldn’t count.

Hey I am new to ur channel and i find this interesting,why would short terms loans counts and what do they mean when they day u must be clean for 6 months

Hi Tisa, I think they just punishing you for paying up your first home loan under 2 years because that meant they didn't make money from the loan thy gave you

And they check by all banks and some you can get better rates because you got more offers from other Banks

Whether or not you apply with Bond Originators you still have to go through a credit check and if you have a bad credit score/ history or any listing against your name it will affect your application.

Yes true but they have a way of wording it to the bank that we don’t know about. Which might get u approved elsewhere.

I see, if I fail in my third attempt I’ll go that route then, thank you Donavan.

Interesting

MediClinic has probably not told them that you’ve paid up, send them the paid up letter from Mediclinic.

The home loan was eventually approved by the bank, but with a few conditions, I’m currently exploring other options. I’ll update everyone on the process as soon as I get feedback. Thank you Mhaya😊✨

Hey Panda, I’ve invested in it but can’t say whether it’s good or bad. You can check out some websites that write about companies and investments for more information.

Hmm how bad, there could be a way to fix it over time.

I went to the South African embassy in Beijing and signed all the papers there and got them certified too. The power of attorney that I prepared was not accepted.

Thanks for your response. And congratulations on making wise Financial Wealth Moves and building "Super Assets".

Thank you Dorian 😇✨ All the best on your journey.

Hey Jazz, I say we because my parents help me with identifying and managing the property, I don’t do it alone they do most of the work I’m more of the HomeLoan acquirer and money handler, the property is in my name.

Ah! Makes sense!! You’re so lucky to have them!

China giving a non Citizen a loan to buy property in South Africa, that would never happen, even if I wanted to buy it in China, and it makes sense because that would mean they are empowering a South African with funds that should be empowering their citizens and their land.

@@chatwithtisa ok it make sense if u not a citizen they won't.i think is the same rule in south africa they can only give u short term loans not this big long term loans

It goes off as a debit order in my SA bank account like it would if I were in SA.

@@chatwithtisa do you transfer it from the account you get paid in?

Yes, I transfer money from China to SA monthly.

It really affects a lot of people’s lives, and they need to have a better system, keep checking your credit score and always make sure you have the proof and the letters.

We fight, it’s gonna happen!

All these contacts to be honest😕

Never again