Personal finance

Homeownership in South Africa is becoming more accessible as interest rates decline, reducing monthly bond repayments significantly. Experts note a drop in the prime lending rate since late 2023, offering substantial savings for potential buyers. However, prospective homeowners should carefully assess budgets and risks before entering the market.

January 26, 2026 Iniulat ng AI

A recent report reveals that many South African investors have suffered financial losses due to emotional reactions to market fluctuations, termed a 'behaviour tax'. The Momentum Investments’ Sci-Fi Report 2025 highlights how such decisions led to missed opportunities in a recovering market. Experts advise a simple pause before making changes to protect long-term returns.