HIGHER INTEREST RATES AND CREDIT SCORE PROBLEMS

I app**** for a homeloan of R690 000, I get AIP of R550 000 at 12.93% which I was happy about it was a good interest rate.

I made a dispute because I need 100% Approval of the homeloan. I know my abilities and my Score is perfect, However because FNB damaged my affordability to a point that many banks will decline based on affordability. They never removed a credit card of R88 800, on my name ITC after I paid it off,

I had a credit card ending with ****8000 Which I closed in 2023 May or June, but at ITC it is open and active, imagine the impact.

Now FNB offers me 100% Homeloan but at a higher interest rate of 14.18%.

The painful part 💔 is No bank will give me a better offer because to them it means I cannot afford based on FNB CREDIT CARD that I closed long time.

I was hoping to get the 11.75% since my name is clean and everything well managed, sometimes I feel ****** takes part in this processes.

NO BANK will compete with FNB NOW