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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.

Corporate man holding white paper
2025, Xpatweb News

SA Draft White Paper Signals Welcome Shift on Spousal Work Rights for Skilled Visa Holders

South Africa has taken a welcome step toward easing long-standing restrictions that make it difficult for spouses of Critical Skills Work visa holders from working in the country. Excluding accompanying partners — many of whom are highly skilled in their own right – from the labour market has long been seen as undermining the country’s competitiveness in attracting scarce global talent.

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