Xpatweb News: Latest Updates on Expatriate Life in South Africa

Xpatweb News

2025, Xpatweb News

Government Services at the Digital Turning Point, With Home Affairs Leading the Way

Paper-heavy services, ink-stained forms, and long queues when accessing government services are fast becoming a thing of the past. From IDs to matric certificates, and driver’s licences to Master’s Office services, South Africa is taking a technological leap in public services, with the Department of Home Affairs (DHA) already blazing a digital trail in enhancing service delivery and security.

Foreign buyer consulting advisor about mortgage in South Africa and understanding the 50 percent borrowing rule
2025, Xpatweb News

A Foreign Buyer’s Guide to Securing a Mortgage in South Africa: Understanding the 50% Borrowing Rule

While South Africa welcomes international property buyers, securing a mortgage is controlled by strict Exchange Control Regulations rather than standard bank policy. The primary constraint is the “50% Borrowing Rule,” which mandates a 1:1 ratio: for every Rand borrowed, a non-resident must invest an equivalent amount of their own capital, effectively capping loans at 50% of the purchase price.

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