Capitec is a Registered Financial Service Provider / NCRCP13

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About Capitec

Capitec Bank is one of South Africa's newest banks having launched in 2001 and has, since then amassed a huge customer base.

Our simple and all inclusive banking solutions are revered for their innovative approach, simplicity and affordability and, in addition to being able to transact customer can take out a personal loan.

Powerful Partnerships that Move you Forwards

Our banking system is based on the GlobalOne technology and has allowed us to simplify banking like never seen before in South Africa. We have partnered with Visa and MasterCard as well as developed a strong relationship with SA Home Loans who offers our customers up to 100% home loans that can be applied for online. You can apply individually or with a joint applicant to ensure affordability and success.

What Capitec can offer you

Our GlobalOne technology has allows customers to conduct international transactions with zero purchase fees, access to simplified banking, affordable personal loans of up to R 250,000 and competitive savings plans to help you reach your financial goals faster.

Our Home Loans

Through SA Home Loans Capitec offers you a 100% or 90% home loans which you can apply for online or via any one of our nationwide branches. The interest rate you will be offered will be based on your individual credit profile and we offer a loan term of 30 years for maximum affordability.

In a Nutshell

  •  Fixed-rate home loans
  •  Floating-rate home loans
  •  Interest rate From 9.25% per annum
  •  Loan term minimum 10 years
  •  Loan term maximum 30 years
  •  Online application
  •  In-store application

Buy your First Home with Capitec

One of the first steps to buying a home is working out how much you can afford and you can do this by using our affordability calculators online.

Once you have a figure in mid you can fill out our online loan application or apply in-branch where you will receive personalized and direct assistance with you application.

Minimum Requirements to Apply for a Home Loan

To apply for a home loan with Capitec and SA Home Loans you must be aged between 18 and 60, be a South African citizen or permanent resident with a valid ID document, be employed or be earning a stable income which can be verified using your monthly payslips and bank statements and you cannot be under debt counselling or be bankrupt or blacklisted.

Eligibility & Requirements

Other Products & Services

  • Bank Accounts
  • Credit Cards
  • Home Loans

Contact Details

 Visit Website Apply Directly


 Physical Address

  • 212, Zevenwacht Mall, Polkadraai Rd & Van Riebeeck Road, Cape Town, Kuils River, 7579, South¬†Africa

Opening Hours

  •  Monday 09:00 – 18:00
  •  Tuesday 09:00 – 18:00
  •  Wednesday 09:00 – 18:00
  •  Thursday 09:00 – 18:00
  •  Friday 09:00 – 18:00
  •  Saturday 08:00 – 14:00
  •  Sunday 09:00 – 13:00