3 things you must do before Buying a House

Thinking of buying property in South Africa? Before you call the estate agent or walk into a bank; watch this first. In this video I break down the 3 things you MUST have in order before you buy property, whether it's your first home or an investment property: ✅ Your emergency fund (and exactly how much you need) ✅ Your numbers: DTI ratio, credit score & budget fit ✅ Your home loan pre-approval why you need it BEFORE you start viewing I also walk you through how to calculate your Debt-to-Income ratio, your Cash Flow Index, and what the 30% rule means for your home loan application. This is not financial advice. Please consult a certified financial advisor (FSCA registered) before making any money decisions