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KCI also source funding for the purposes of financing home loans in specific segments in the South African housing market. Applications are received from a wide range of sources such as property developers, employers, pension funds, first time home buyers and other individuals. Generally applications are for loans from about R150,000 up to but not greater than R600,000. The minimum values of the properties should not be lower than R280,000 (at 2013 values). The gross monthly income levels of applicants vary from a minimum of R8000.00 up to R40,000.00.
An in-depth analysis is done on all aspects that may have an effect on the applicants’ future credit behaviour and particular emphasis is placed on the following:
An important feature of KCI’s offering is that it differentiate itself from most other home loan providers in that;
The KCI Service
KCI has invested substantially in obtaining and grooming the required skills over the last 7 years as well as developing and acquiring adequate and efficient technologies to administer home loans and other loan portfolios. Currently, KCI also acts as a service provider to other lenders and offers an administrative service to credit providers particularly in the mortgage market.
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