Bond Pre-Qualification Checklist

Gather these before approaching a bank or bond originator and you'll save days of back-and-forth.

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Identity & Address

Certified copy of ID (or passport for non-SA citizens)Proof of residential address (not older than 3 months)Municipal account, bank statement, or lease agreement.

Income & Affordability

Last 3 months' payslipsLast 3 months' bank statementsMost recent IRP5 or IT34 tax assessmentSelf-employed: last 6 months' bank statements + latest signed financials

Credit Profile

Recent credit report (optional but useful)List of existing debts: car loan, credit cards, personal loans, store accounts

Property & Deposit

Signed Offer to PurchaseProof of deposit funds (if paying a deposit)Estate agent's contact details (for bond origination if applicable)

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