Land Bank of South Africa

If you are big in agricultural and forming the land bank is what you need, Land bank is Government owned and was established to provide financial services to the commercial farming sector and to agri-business.

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Land bank contains a lot of financial services and can fund people who wants to buy land, equipment and working capital for agricultural projects.

Land Bank Services and Loans

Long-term mortgage

Long term mortgage loans are fixed instalment loans for capital expenditure. These loans can be used for the purchase of land, the purchase and installation of machinery and equipment, fixed asset improvements, water project schemes and other agriculture-related capital expenditure.

Security for such a loan from Land Bank may consist of:

  • Mortgage bonds over fixed and movable assets
  • Covering bonds over fixed and movable assets
  • Cession of debtors
  • Cession of unpaid share capital (co-operatives)
  • Cession over insurance policies
  • Suretyship
  • Medium-term loans
  • Medium-term loans are loans in the form of cash credit accounts. These loans are often used for supplementing working capital.

Security in favour of Land Bank may consist of:

  • Covering bonds over fixed and movable assets
  • Notarial bonds over movable assets
  • Cession of debtors
  • Suretyship
  • Cession over insurance policies
  • Cession of unpaid share capital (co-operatives)

Short-term loans

Short-term loans are tailored to meet important financing needs in the agricultural cycle including the provision of advances – against crop intakes, production requirements, production credit and other related services that includes the handling, manufacturing, packing, processing, storage, transport and/or marketing of agricultural products.

  • Interest rates are quoted nominal annual compounded monthly (NACM)
  • Interest rates are not fixed over the term of the loan and can be adjusted from time to time based on fluctuations in the money and capital markets.
  • There are no fixed terms of repayment. Draw-downs and repayments are regulated by the value of assets (stock and debtors) financed
  • There are no transaction costs.

Deposits

Call deposit accounts are available to corporate clients only. Typically this facility is used in the following ways:

  • Deposits provide unlimited withdrawal opportunities
  • No minimum deposit lever
  • Payment upon notification

Guarantees

The Land Bank issues guarantees for the purpose of guaranteeing the meeting and fulfilment of corporate clients’ obligations in connection with their agriculture related activities. Typically companies use this service for the purposes of agriculture-related activities and insurance premium guarantees.

Establishment loans

Land Bank provides establishment loans to farmers for establishing perennial crops. These loans are typically used for establishing sugar cane plantations, citrus and deciduous fruit orchards, timber plantations and vineyards for table and wine grapes. This loan may be accessed by individual farmers, groups or any legal entity from large scale commercial farms to small-scale farms.

Large Livestock

Land Bank now offers its clients an opportunity to purchase livestock using the latest available animal identification technology. This product is aimed at clients who have established herds of stud animals, dairy cows, or are involved in beef production, and who wish to expand their herds, without offering land for security purposes. It can also be used to finance high value game and horses.

This is a medium term loan where the animals bought and the client’s existing animals form the most important security – the animals belong to the Bank until the loan has been repaid.

Installment finance

Installment Sale Finance is a type of medium-term loan where the goods that you buy act as the main security for the loan: the goods belong to the Bank until the loan is paid in full. It enables all farmers, especially those with limited assets to grow their businesses. Typically this finance is used for farming equipment, implements, vehicles and Livestock

This finance package is available for periods between 3 and 10 years, depending on the expected length of life of the asset. An individual farmer or a group or any legal entity may access this type of loan.

Special Mortgage Loan

The special mortgage loan is aimed at South Africans who have the potential to become successful farmers, but were previously denied the rights to buy land.

Currently the special interest rate is set at 10%. This rate is fixed for 24 months with intention of keeping it as low as prevailing market conditions allow. The maximum loan at the special interest rate is R500 000. If you borrow more than R500 000, the interest on the amount over R500 000 will be charged at the standard rate for long-term loans. The loan term is up to 25 years.

Ways to Apply

To Apply for Land Loan, please start by filling out our free assessment.
If you do not yet have a business plan in place, we can help you create a viable and fundable business plan.
If you have already begun the process and would like to consult with us, or need a business plan review, please click here to contact us.

Contact Land Bank

P.O. Box 424
Gillitts
3606
South Africa

Phone: +27 31 7644914

land bank loans

land bank loans

How can I provide Capfin with my latest proof of income

How can I provide Capfin with my latest proof of income

There are several ways to provide capfin with your proof of income, note that without a proof of income you can not apply for a loan. The proof of income must be at least 3 months.

Bellow are ways at which you can provide your proof of income.

  • Scan your 3 most recent bank statements or payslips along with your SA ID at any PEP or Ackermans store, nationwide
  • Upload your latest proof of income via https://docs.capfin.co.za on your phone by taking a photo of each page, or using CapfinDirect from any device
  • Email your latest proof of income to docs@capfinmail.co.za, with your SA ID number in the subject
  • Fax your latest proof of income to 0866880000 with your SA ID number written on it

how to apply for a capfin loan

Call Direct Personal Loan

Call Direct Personal Loan offers an easy application online where you can apply for the loan from R2 000 up to R50 000 with the fixed repayment rate and flexible repayment term to apply you can apply online and they will call you back to process the loan if you qualify the loan is directly deposited to your account Call Direct Personal Loan eases burden with their offer of the loan.

Call Direct Personal Loan application

Call Direct Personal Loan offers the online and you can alternatively call them with the required documents in hand your valid bar coded identity document, bank statement, payslip and the latest of proof of residence.

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Call Direct Personal Loan offer

Call Direct Personal Loan offers the personal loan from R2 000 up to R50 000 with the fixed interest rates, flexible repayment term, insurance, paperless application and the fast approval of the loan Call Direct Personal Loan makes things so simple for people to get what they want in time of need in a fast way.

Contact details

For more on Call Direct Personal Loan Call:086 03 03 01 or visit the Website:www.call-direct.co.za

Call Direct Loan

Call Direct Loan

Mfin Cash Loan

Mfin Cash Loan is the financial provider that offers loans in a smart way by visiting the Shoprite/Checkers store with the required documents you can apply for the personal loan of up to R7 500, you just apply at the till point you just get the answer the same day the loan once it is approved is directly deposited to your account Mfin Cash Loan gives you a convenient and a fast way to apply for the loan.

Apply for a Personal Loan Click Here!

Mfin Cash Loan application

Mfin Cash Loan offers the branch visit where you need to visit the Shoprite/Checkers with the required documents like you valid identity document and the latest proof of income but you need to be working, have a working bank account and you need to have your employee and employer number ready.

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Mfin Cash Loan offer

Mfin Cash Loan offers a personal loan of up to R7 500 with fixed interest rates, fixed repayment term through the loan term, insurance and the fast approval of the loan after applying you will get the sms confirming your application and if your qualify the consultant will call you to process the loan Mfin Cash Loan gives you the loans that are affordable and low on interest rates.

Contact details

For more on Mfin Cash Loan Call:0861 34 MFIN (0861346 346) Email: info@mfin.co.za

Mfin Cash Loan

Mfin Cash Loan

Direct Axis SMS Number

Direct Axis offers you the most convenient way to apply for their loan or get in touch with them, they offers a direct axis sms number that you can use and they will call you back, this also helps you to find out if you qualify for a loan or not.

Apply for a Personal Loan Click Here!

How Does Direct Axis SMS Number Work

All you have to do is to sms your ID number to 43232 and Direct Axis will let you know if you qualify or not.

What does Direct Axis Loan offer

The loan offer an amount from R4000 to R150 000, you can apply for the Direct Axis Loan on Direct Axis website, they also offer a loan calculator that can help you to know how much will the interest be, Monthly Service Fee, Monthly Repayment and the Payment Period.

Direct Axis Contact Details

Personal Loans: 0861 02 03 04
Consolidation Loan: 0861 243 556
Car & Home Insurance: 0860 30 30 40
Life Insurance: 0860 66 33 33
Health Solutions: 0860 106 381

directaxis loans

directaxis loans

Nedbank Personal Loan with the online application

Nedbank Personal Loan offers you loans from R1000 up to R200 000 with 12 to 60 months you can apply online or by visiting the branch with your personal details and they also have the online application calculator with the loan you can buy the house of your dream or renovate the existing one Nedbank Personal Loan is the for you in hard times with their offer of the loan.

How to apply

Nedbank Personal Loan offers the online and the branch application that gives you the loan that is affordable all you need is to have your personal and work details like your identity document, payslip, bank statement and proof of residence.

Read more on Personal Loan

Just Money Personal Loan
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What does the Nedbank Personal Loan offer

Nedbank Personal Loan offers the personal loan from R1000 up to R200 000 with the repayment period of 12 to 60 months, online calculator, insurance, fixed interest rates and simple repayments Nedbank Personal Loan gives you loans that you can afford and their loans at at the low rate the loan can help you to have the dream house that you always dream of.

Contact details

For more on Nedbank Personal Loan Call:0860 555 111 or visit the Website:www.nedbank.co.za

Nedbank Personal Loan

Nedbank Personal Loan


Just Money Personal Loan with online application

Just Money Personal Loan is the credit provider that offers loan that are at a lower rates and simple repayments all you need is to choose the loan that suits you applying to Just Money is like applying to multiple credit provider at once all you need is to apply online with the required documents so you can repair or pay your existing loan Just Money Personal Loan is the way to help you get what you want when you want to.

How to apply

Just Money Personal Loan offers the online application where you can upload your needed document lik your identity document, payslip, bank statement and latest proof of residence.

Read more on Interest rates and Offer

Bridge Loan Insurance
Bridge Loan Offer
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What does the Just Money Personal Loan offer

Just Money Personal Loan offers the personal loan with fixed interest rates, simple repayment, insurance and the fast application online Just Money Personal Loan gives you a helping hand when you ever need one.

Contact details

For more on Just Money Personal Loan visit the Website:www.justmoney.co.za

Just Money Personal Loan

Just Money Personal Loan

Woolworths Personal Loan

Woolworths Personal Loan is here for you in case if you need a helping hand you can visit the branch or apply online or by visiting the branch with your required document the personal and work details they offer a repayment term of 60 months, cash in 48 hours and you also get a peace of mind with their insurance all you need you got it with Woolworths Personal Loan and their rates are low and their loan are affordable.

How to apply

Woolworths Personal Loan offers the online and the branch visit application all you need to have when applying is your identity document, payslip, bank statement and the proof of residence but the latest then you can choose and apply for your financial freedom.

Read more on online personal Loan

Lendico Personal Loan
Lendico Personal Loan Insurance
Lendico Personal Loan Offer

What does the Woolworths Personal Loan offer

Woolworths Personal Loan offers a personal loan with low rates, 60 months repayment period, online application and insurance they have just made it fast for individuals to apply and get the loan that is affordable and cash in 48 hours Woolworths Personal Loan gives you a financial freedom through the loan.

Contact details

For more on Woolworths Personal Loan Call:0861 50 20 10 or by visiting the Website:www.woolworths.co.za

Woolworths Personal Loans

Woolworths Personal Loans


LendiCo Personal Loans with low interest rates

LendiCo Personal Loans gives you all that you want when you apply you can apply online with the required document or let them call you can even register to have an account so you can track your loan process they have made it simple and fast for individuals to get the loan that suits them LendiCo Personal Loans is the gateway to a simple loan.

How to apply

LendiCo Personal Loans offer the online application that takes few minutes to complete online with your needed documents like your payslips, bank statement and proof of residence then you can apply and get the loan that suits you.

Read more on Loans Application and Interest Rates

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Bridge Loan Online Calculator
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What does the LendiCo Personal Loans offer

LendiCo Personal Loans offer the online application where you can apply, register, track your application process, low interest rates, fixed repayment term and insurance LendiCo Personal Loans
Is the credit provider that gives you a burden free application.

Contact details

For more on LendiCo Personal Loans you can visit the Website:www.lendico.co.za

Lendico Personal Loan

Lendico Personal Loan