Buying Property Cash vs Mortgage In South Africa. CASH V.S CREDIT

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  • เผยแพร่เมื่อ 27 พ.ย. 2024

ความคิดเห็น • 62

  • @ITqwy
    @ITqwy 3 ปีที่แล้ว +11

    I'm going with cash, no bonds for me- when it comes to rental property, it's all about the cash flow. If you can rack up enough to pay that the lump sum, the money's yours, not the banks.
    My advice, If you're starting from little to nothing, go with credit. Once you get the cash, once-off purchase all the way.
    Great content as well, lads.
    We need more financial advice💪🔥

    • @NongWealth
      @NongWealth  3 ปีที่แล้ว +1

      Thanks for reaching out Troy. 🏅🏅🏅 Credit is a Great point of entry and Cash also provides a great platform for bargaining.

    • @vivianokeswa488
      @vivianokeswa488 2 ปีที่แล้ว +6

      Great. I have done so myself. I bought 2 properties for investment cash. It’s better. The bond and the interest it comes with looks like a SCAM

    • @NongWealth
      @NongWealth  2 ปีที่แล้ว

      Viviano loves investing, using cash Shout Out to you 🙏🏿. We are really happy for you 🙂

  • @atarii_ak8609
    @atarii_ak8609 ปีที่แล้ว +3

    I’ll be buying cash

  • @tshepisoluciamekgoe9492
    @tshepisoluciamekgoe9492 4 ปีที่แล้ว +7

    Cash for me gents. But how fast you climb the property investor ladder will depend on the price range of the properties that one is buying.
    Great video. Keep up the good work 👌

    • @NongWealth
      @NongWealth  4 ปีที่แล้ว

      100 especially accessibility to the cash/ credit. Thanks for your support Tshepiso. ☺

  • @kennethlekhuleni917
    @kennethlekhuleni917 2 ปีที่แล้ว +2

    Cash is possible if you bought a stand. You will build according to your pace and income. The problem also is that the house you are building might be behind in terms of designs and materials.
    Many don’t have the asking price to buy property. Credit is always easier to get

    • @NongWealth
      @NongWealth  2 ปีที่แล้ว

      Of course. As long as everything is planned before we invest 👌🏽

  • @thandonxumalo1278
    @thandonxumalo1278 3 ปีที่แล้ว +2

    I'm team both - credit and cash depending on the situation

    • @NongWealth
      @NongWealth  3 ปีที่แล้ว

      We need to follow the money 💵. However you are right by saying depending on the situation. Thank you for the comment 🙏🏽

  • @neriampo253
    @neriampo253 2 ปีที่แล้ว +1

    Guys thanks a lot for the information can't wait for next week

    • @NongWealth
      @NongWealth  2 ปีที่แล้ว

      Hi Mpo thank you for support

  • @tankisomoses3665
    @tankisomoses3665 15 วันที่ผ่านมา

    I just had a terrible experience with buying a house for cash. Unfortunately, I was defrauded by the conveyancer and the seller . Now, I had to open cases of fraud and report the lawyer to LPC. To everyone , ensure that you include bank guarantee as security, the money be paid once the house is being registered in your name. Also include your own trusted conveyancer ,dont rely on a conveyancer appointed by the seller..Cash deals are risky and also scamming is an issue as well...

  • @John14vs6_
    @John14vs6_ 3 หลายเดือนก่อน

    Thanks gents for this video. What about taking out a bond and then you buy the property and after few weeks your rich family member gives you the money to pay off the house?

    • @NongWealth
      @NongWealth  2 หลายเดือนก่อน

      🫡🫡🫡🫡🫡🫡🫡🫡Hi John in that case then the loan will be settled, so you will not owe the bank anymore

  • @josephamundyo8285
    @josephamundyo8285 3 ปีที่แล้ว +2

    Thank you it's very helpful.

    • @NongWealth
      @NongWealth  3 ปีที่แล้ว +1

      Thank you for your support 😁

  • @musawalter8795
    @musawalter8795 ปีที่แล้ว +4

    My problem with bond, you end up paying twice the amount

    • @NongWealth
      @NongWealth  ปีที่แล้ว

      You are absolutely right Sir. Some of us are coming from backgrounds were by i can't buy property cash. So I need to learn how big companies leverage then I take a risk. There is a winning formula out there🙏🏿🙏🏿

    • @musawalter8795
      @musawalter8795 ปีที่แล้ว

      @@NongWealth I understand that saving money it's not easy. It actually takes time and effort. I was just highlighting the disadvantage of it

    • @musawalter8795
      @musawalter8795 ปีที่แล้ว

      @@NongWealth I understand that saving money it's not easy. It actually takes time and effort. I was just highlighting the disadvantage of it

  • @Lamideelizabeth
    @Lamideelizabeth 2 ปีที่แล้ว

    Great video, I am thinking about buying in SA but not sure what route leaning towards cash and the interest seems quite high in SA

    • @NongWealth
      @NongWealth  2 ปีที่แล้ว

      Thanks for reaching out Elizabeth, how about we hop on a zoom to discuss the opportunity, risk involved and also interest rates in SA👷🏾‍♂️👷🏾‍♂️?

  • @kgomotsopale6734
    @kgomotsopale6734 2 ปีที่แล้ว +4

    Obvious, buying on credit. I have 2 properties on credit and I want more

    • @NongWealth
      @NongWealth  2 ปีที่แล้ว +1

      That is awesome Kgomotso keep going 👌🏽 once you've started you cannot stop 🛑

  • @finditfast365
    @finditfast365 2 ปีที่แล้ว +1

    How are you going to be able to buy credit if you blacklisted

  • @carla6777
    @carla6777 3 ปีที่แล้ว +1

    Can you give options for non-citizens who wanna buy a house? Does buying cash favours an non citizen?

    • @NongWealth
      @NongWealth  3 ปีที่แล้ว

      This year has been great from assisting people out side the country may we please set a zoom with you to discuss everything in greater detail calendly.com/property-13/free-zoom-consultation?back=1&month=2021-11

  • @dorobado4803
    @dorobado4803 4 ปีที่แล้ว +2

    Hi guys , is it possible to buy a possible as cash and then use it as collateral to get a new bonded property? I ask this question for people with no credit but with cash

    • @NongWealth
      @NongWealth  4 ปีที่แล้ว

      Hi Doro
      Great Question, the answer will be dependant on your credit score and affordability. Some people are able to pay an additional bond of e.g 4k but get rejected as a result of their score. If someone comes to us in that situation we link them up with a bond Originator so that they know the possibility of THEM moving from cash to bond ☺ ☺ ☺

  • @bahediledikwetla5691
    @bahediledikwetla5691 4 ปีที่แล้ว +1

    Credit over cash!

    • @NongWealth
      @NongWealth  4 ปีที่แล้ว

      Credit, Credit Credit 😎

  • @vivianokeswa488
    @vivianokeswa488 2 ปีที่แล้ว +1

    Imagine buying a house on a bond, then the value of the houses drop due to informal settlement looming next to your property, it's now a loss. You might resell it at less price with no profit or less. Or nobody might be interested in buying

    • @NongWealth
      @NongWealth  2 ปีที่แล้ว +1

      Due diligence is key when investing in property, it does not only apply when you purchase the property but also when you have purchased the property.

  • @ayvep
    @ayvep 4 ปีที่แล้ว +2

    Hey fellas, great job guys. Hypothetically, how to I grow R100 000 into R1M with property? I understand it is a broad question, I do not mind if you refer me to your relevant videos or resource. I do not mind being patient

    • @NongWealth
      @NongWealth  4 ปีที่แล้ว +1

      Good Day, we feel like this is a question that we need to address one on one, how about we schedule a zoom call and we can answer your question directly. If you do want us to go through the zoom call please send us an email at property@nongwealth.co.za. Looking forward to your email

  • @vivianokeswa488
    @vivianokeswa488 2 ปีที่แล้ว +1

    Also the house is almost as twice in price in a 20 year period

    • @NongWealth
      @NongWealth  2 ปีที่แล้ว

      Agree with you 💯, but also consider your Due Diligence before taking a loan or even purchasing the property cash 🎯 thank you for your support 🙂

  • @moe_ramz
    @moe_ramz 3 ปีที่แล้ว +1

    Cash is 🤴

    • @NongWealth
      @NongWealth  3 ปีที่แล้ว +1

      All day everyday, we also have Credit but the most important one in property investing is Cashflow ®️

  • @lebangevent3962
    @lebangevent3962 3 ปีที่แล้ว +1

    “ mixture of both can apply “ Barney

    • @lebangevent3962
      @lebangevent3962 3 ปีที่แล้ว +1

      Depending on strategy and scaling methodologies ✊🏽

    • @lebangevent3962
      @lebangevent3962 3 ปีที่แล้ว +1

      Credit that’s how wealth was built 🤞🏾

    • @NongWealth
      @NongWealth  3 ปีที่แล้ว

      Without a doubt, however we need to make sure we are buying the right property

  • @kabassuemmanueltambwe4940
    @kabassuemmanueltambwe4940 ปีที่แล้ว

    I would like to get in touch with you guys to help me in buying my first property...

    • @NongWealth
      @NongWealth  ปีที่แล้ว

      Hi Kabassu kindly send us an email at info@nongwealth.co.za we would be more than happy to add massive value to your journey😀

  • @ChristianNdu
    @ChristianNdu 6 หลายเดือนก่อน

    Is it better to buy property with your name

    • @NongWealth
      @NongWealth  4 หลายเดือนก่อน

      Hi ChristianNdu it depends on your family structure and goals. May we please connect you with a lawyer🤗🤗🤗

  • @siyavuks3530
    @siyavuks3530 4 ปีที่แล้ว +1

    Credit!

    • @NongWealth
      @NongWealth  4 ปีที่แล้ว

      Credit. OPM 💪🏽

  • @bukhokhwitshana
    @bukhokhwitshana 4 ปีที่แล้ว +1

    I have a property that is distressed in Roodepoort can I sell it to you?

    • @NongWealth
      @NongWealth  4 ปีที่แล้ว

      That would be awesome please send us an email at property@nongwealth.co.za

  • @sizwetraveladventures
    @sizwetraveladventures 3 ปีที่แล้ว +1

    Cash, Cash, Cash

    • @NongWealth
      @NongWealth  3 ปีที่แล้ว +1

      Shout out to you Sizwe 😎

  • @sechabatlale8259
    @sechabatlale8259 3 ปีที่แล้ว +1

    *CASH FOR PROPERTY AT AUCTIONS*

    • @NongWealth
      @NongWealth  3 ปีที่แล้ว

      💯, however if you are sure with your financing then it is something to explore

  • @vivianokeswa488
    @vivianokeswa488 2 ปีที่แล้ว +2

    Cash is better broh. Imagine the installment and interest you paying for 20 years??? No ways

    • @NongWealth
      @NongWealth  2 ปีที่แล้ว +1

      Risk appetite varies from one person to the next. As long as your numbers can confirm that you in a good investment, and you can scale your property portfolio then you are good to go 💥

  • @sparkle7670
    @sparkle7670 ปีที่แล้ว

    You guys make me 😂

  • @sandilemncube4031
    @sandilemncube4031 2 ปีที่แล้ว +1

    Sars tax dont forget

    • @NongWealth
      @NongWealth  2 ปีที่แล้ว

      100 Hence in our next Workshop this is going to be an item on its own🙏🏿🙏🏿🙏🏿🙏🏿....