Qualification Matrix

NOTE:
30 year loan term is no longer offered by FNB
Existing properties and disposable income will affect the maximum amount which may be on offer

9.00% 9.50% 10.00% 10.50% 11.00%

Gross Salary 20 Years 30 Years 20 Years 30 Years 20 Years 30 Years 20 Years 30 Years 20 Years 30 Years
R 10,000 R 333,333 R 372,671 R 321,888 R 356,718 R 310,881 R 341,686 R 300,601 R 327,869 R 290,698 R 315,126
R 12,500 R 416,667 R 465,839 R 402,361 R 445,898 R 388,601 R 427,107 R 375,752 R 409,836 R 363,372 R 393,908
R 15,000 R 500,000 R 559,006 R 482,833 R 535,077 R 466,321 R 512,528 R 450,902 R 491,803 R 436,047 R 472,689
R 17,500 R 583,333 R 652,174 R 563,305 R 624,257 R 544,041 R 597,950 R 526,052 R 573,770 R 508,721 R 551,471
R 20,000 R 666,667 R 745,342 R 643,777 R 713,436 R 621,762 R 683,371 R 601,202 R 655,738 R 581,395 R 630,252
R 22,500 R 750,000 R 838,509 R 724,249 R 802,616 R 699,482 R 768,793 R 676,353 R 737,705 R 654,070 R 709,034
R 25,000 R 833,333 R 931,677 R 804,721 R 891,795 R 777,202 R 854,214 R 751,503 R 819,672 R 726,744 R 787,815
R 27,500 R 916,667 R 1,024,845 R 885,193 R 980,975 R 854,922 R 939,636 R 826,653 R 901,639 R 799,419 R 866,597
R 30,000 R 1,000,000 R 1,118,012 R 965,665 R 1,070,155 R 932,642 R 1,025,057 R 901,804 R 983,607 R 872,093 R 945,378
R 32,500 R 1,083,333 R 1,211,180 R 1,046,137 R 1,159,334 R 1,010,363 R 1,110,478 R 976,954 R 1,065,574 R 944,767 R 1,024,160
R 35,000 R 1,166,667 R 1,304,348 R 1,126,609 R 1,248,514 R 1,088,083 R 1,195,900 R 1,052,104 R 1,147,541 R 1,017,442 R 1,102,941
R 37,500 R 1,250,000 R 1,397,516 R 1,207,082 R 1,337,693 R 1,165,803 R 1,281,321 R 1,127,255 R 1,229,508 R 1,090,116 R 1,181,723
R 40,000 R 1,333,333 R 1,490,683 R 1,287,554 R 1,426,873 R 1,243,523 R 1,366,743 R 1,202,405 R 1,311,475 R 1,162,791 R 1,260,504
R 42,500 R 1,416,667 R 1,583,851 R 1,368,026 R 1,516,052 R 1,321,244 R 1,452,164 R 1,277,555 R 1,393,443 R 1,235,465 R 1,339,286
R 45,000 R 1,500,000 R 1,677,019 R 1,448,498 R 1,605,232 R 1,398,964 R 1,537,585 R 1,352,705 R 1,475,410 R 1,308,140 R 1,418,067
R 47,500 R 1,583,333 R 1,770,186 R 1,528,970 R 1,694,411 R 1,476,684 R 1,623,007 R 1,427,856 R 1,557,377 R 1,380,814 R 1,496,849
R 50,000 R 1,666,667 R 1,863,354 R 1,609,442 R 1,783,591 R 1,554,404 R 1,708,428 R 1,503,006 R 1,639,344 R 1,453,488 R 1,575,630
R 52,500 R 1,750,000 R 1,956,522 R 1,689,914 R 1,872,771 R 1,632,124 R 1,793,850 R 1,578,156 R 1,721,311 R 1,526,163 R 1,654,412
R 55,000 R 1,833,333 R 2,049,689 R 1,770,386 R 1,961,950 R 1,709,845 R 1,879,271 R 1,653,307 R 1,803,279 R 1,598,837 R 1,733,193
R 57,500 R 1,916,667 R 2,142,857 R 1,850,858 R 2,051,130 R 1,787,565 R 1,964,692 R 1,728,457 R 1,885,246 R 1,671,512 R 1,811,975
R 60,000 R 2,000,000 R 2,236,025 R 1,931,330 R 2,140,309 R 1,865,285 R 2,050,114 R 1,803,607 R 1,967,213 R 1,744,186 R 1,890,756
R 62,500 R 2,083,333 R 2,329,193 R 2,011,803 R 2,229,489 R 1,943,005 R 2,135,535 R 1,878,758 R 2,049,180 R 1,816,860 R 1,969,538
R 65,000 R 2,166,667 R 2,422,360 R 2,092,275 R 2,318,668 R 2,020,725 R 2,220,957 R 1,953,908 R 2,131,148 R 1,889,535 R 2,048,319
R 67,500 R 2,250,000 R 2,515,528 R 2,172,747 R 2,407,848 R 2,098,446 R 2,306,378 R 2,029,058 R 2,213,115 R 1,962,209 R 2,127,101
R 70,000 R 2,333,333 R 2,608,696 R 2,253,219 R 2,497,027 R 2,176,166 R 2,391,800 R 2,104,208 R 2,295,082 R 2,034,884 R 2,205,882

DISCLAIMER – Although every effort has been made to ensure the accuracy of the content of this repayment table, The PA Group and its subsidiaries accepts no liability in respect of any errors and omissions
contained herein. Existing properties and disposable income will affect the maximum amount which may be on offer.