A show not to be missed! ‘Hey That’s My Hat’ show on Saturday, 18 April 2015 at 15:00 at the Zip Zap Dome

Zip Zap is set to dazzle audiences at the highly acclaimed ‘Hey That’s My Hat’ show on Saturday, 18 April 2015 at 15:00 at the Zip Zap Dome, Cape Town.

In an exhilarating show that took Namibia by storm and performed to sold out audiences in December 2014, the highly anticipated ‘Hey That’s My Hat’ show will hit Cape Town for the first time on Saturday, 18 April 2015 at 15:00 at the Zip Zap Dome.

Guests can look forward to internationally acclaimed acts by talented Zip Zappers performing single and triple trapeze, aerial hoops, gravity juggling and much more! The show takes a look at the busy lives of people as they search for their opportunity to shine, with a humorous twist.

The show appeals to all Capetonians both young and old, so why not treat the family or friends to a fun afternoon out by supporting the arts. You will also be supporting an organisation (Zip Zap) which is invested in the upliftment of disadvantaged communities by teaching underprivileged children team work, discipline and skills development through the art of circus magic.

Ticket prices are R100 for adults at the door or R70 if paid by EFT before 16 April 2015. Children of three years or younger enter for free!

For more information about Zip Zap Circus School, please contact 021 421 8622, email Laurence on info@zip-zap.co.za or visit the website at www.zip-zap.co.za. Zip Zap is also on Facebook (www.facebook.com/zipzapcircus).

Green Building – the future of South Africa

As Green Building becomes the norm, the demand for innovative and sustainable construction solutions grows. The latest perspectives, new design strategies and cutting edge examples from international and regional speakers will be presented at the ninth annual Green Building Conference, which takes place on 24 and 25 June 2015 during the annual Sustainability Week at the CSIR International Convention Centre in Pretoria.

Buildings are a major contributor of greenhouse gas emissions and therefore a more sustainable built environment is needed. The Green Building Conference, which takes place at this year’s Sustainability Week, will focus on these issues as citizens have a responsibility to minimise electricity usage, with demand exceeding supply in both commercial and residential areas. The latest best practice will be shared by renowned practitioners around the globe at this thought-provoking conference.

“The world’s population could reach almost 10 billion by 2015. Most people will live in cities. To accommodate an additional 3 billion people, we’ll need to build the equivalent of one new city, that can support one million people, every five days between now and 2050,” says Professor Barbara Norman, Foundation Chair of Urban and Regional Planning at the University of Canberra. Norman will present extensive insights into building resilient and healthy cities for the 21st century at the Green Building Conference.

Co-founder architect of UNITYDESIGN Inc and researcher at Tokyo University, Tomohiko Amemiya will discuss how to improve urban living in high density residential areas. Amemiya will share insights gained from his work on the award-winning Slum Housing Project, Megacity Skeleton, in Jakarta, Indonesia.

Kenneth Stucke, Director of Environment Response Architecture (ERA Architects) will present two green building case studies of energy, water and waste efficiency. Stucke will discuss the value of climate, geology, geography and ecology as a resource with which architecture synthesizes to produce built form.

Joan-Maria Garcia-Girona, Vice-President and Head of Business Center South Africa and Sub-Sahara at BASF, one of the sponsors of the Green Building Conference, says, “We at BASF define sustainability as a balance between economic success and social and environmental responsibility. Sustainability is at the core of our business with global standards implemented across all value chains, and we’ll be showcasing our innovative solutions that drive sustainability at the Green Building Conference during Sustainability Week 2015.”

The Green Building Conference will also offer breakaway sessions with practical learning and knowledge sharing opportunities. Retrofitting of buildings for energy efficiency, smart metering and feed in tariffs for roof top solar panels, water efficiency for buildings and landscaping, modular building designed for deconstruction and reuse or recycling, smart mobility interfacing with the built environment and sustainable infrastructure are just some of the riveting sessions to provide the foundation for green buildings.

“South Africa is now seeing a strong move to sustainable development. We at Lafarge have always played a leadership role in the industry and promoted cooperation in sustainable development. Green building in the broadest sense of sustainable development is an integral part of all aspects of our business strategy, and that is why we attach such importance to and are pleased to be a major sponsor of the Green Building Conference 2015,” says Felix Motsiri, National Mineral and Sustainability Manager at Lafarge South Africa.

Living sustainably is a cross-cutting issue that requires knowledge sharing across sectors; from water, to transport, mining and building. The Green Building Conference, sponsored by Lafarge and BASF, forms part of the larger alive2green hosted Sustainability Week which runs from 23 to 28 June 2015.

Sustainability Week, hosted by the City of Tshwane, offers a variety of conferences and seminars at the CSIR ICC from 23 to 25 June 2015. The Youth and Green Economy event will take place on 26 June 2015 at Tshwane University of Technology and the Green Home Fair will mark the end of Sustainability Week on 27 and 28 June 2015 at Brooklyn Mall. For more information on Sustainability Week, visit www.sustainabilityweek.co.za.

Cape Flats children raced it out at Mustadafin Foundation’s ECD Sports Day

Caption: The adrenaline was high yesterday (24 March 2015) at Vygieskraal Stadium in Athlone, when over 300 children from Mustadafin Foundation’s Early Childhood Development (ECD) centres in the Cape Flats area as well as external ECD centres battled it out at Mustadafin Foundation’s ECD Sports Day.

Laughter, fun and shouts of joy filled the Vygieskraal Stadium as young ones aged between two and six years old took part in exhilarating sporting activities hosted by Mustadafin Foundation. A number of ECD centres in the Cape Flats area joined in on the festivities, where Mustadafin Foundation treated the children to a day filled with song, dance and healthy competition.

The wonderful summer weather in Cape Town delivered a fun-filled day for the children where they competed in a 30m run, water bucket race, spoon and egg race, scooter race, sack race, three-legged race, bean bag race, 50m run and to top it all off, a 50m four-member relay. The teachers and parents even surprised the young ones when they also competed against each other! Mustadafin Foundation kept the promising athletes’ bellies full with healthy snacks, a delicious meal and refreshments.

“It is wonderful to see the children so excited about being active,” said Ghairunisa Johnstone, Director at Mustadafin Foundation. “Through this ECD Sports Day, we want to promote healthy living and also that children should be active from an early age. Most of the children here today are from disadvantaged communities, and this outing gives them a chance to just be a child and to have fun!”

The overall winners of the day were Mustadafin Foundation ECD 2 and 4, with Mustadafin Foundation ECD 1 and 3 hot on their heels.

If you would like to be part of Mustadafin Foundation’s educational programmes, please contact them on 021-633-0010.

For more information on Mustadafin Foundation, visit www.mustadafin.org.za. Join their Facebook page at www.facebook.com/MustadafinFoundation

Children celebrate Cape Town International Jazz Festival with a twist (and a shake)

It was a day to remember when more than 100 children from Lalela Project in Hout Bay, I Care and Where Rainbows Meet were treated to an exhilarating day at the Zip Zap Circus Dome to celebrate the Cape Town International Jazz Festival.

Screams of delight filled the Zip Zap Circus Dome this past Saturday, 21 March as children aged between three and ten years old were treated to circus magic. As part of the Gigs for Kids initiative for Cape Town International Jazz Festival, over 100 children from disadvantaged communities spent the day learning the art of circus performances with lessons in acrobatics, tightrope walking, trapeze and much more.

Dressed in striking circus attire, instructors from Zip Zap surprised the crowd with a tantalizing show as the children were left speechless. A delicious meal, refreshments, popcorn and candyfloss were served to top off the magical day.

“Just seeing the excitement on the children’s faces is what we’re all about,” said Laurence Esteve, Co-founder of Zip Zap. “It’s important to expose youngsters not only to traditional extramural activities like sports, but the arts too where children can learn to express themselves in other creative ways. Learning the art of circus performance teaches children team work and discipline which helps them develop into thriving young adults, and this is what we want to pass on to them,” commented Esteve.

As the day came to an end, the memory of their experience will be told by the children for years to come.

For more information about Zip Zap Circus School, please contact 021 421 8622, email Laurence on laurence@zip-zap.co.za or visit the website at www.zip-zap.co.za. Zip Zap is also on Facebook (www.facebook.com/zipzapcircus).

About Zip Zap Circus School

Zip Zap Circus is a social circus that was founded in Cape Town in 1992, to inspire young people and help build a new culture of peaceful coexistence in South Africa. Working with a diverse community of children from all backgrounds, Zip Zap helps kids to ‘dare to dream’ and learn to make those dreams a reality. Zip Zap’s programmes are all free to participants, with financial and material support coming from individuals, organisation, corporations and foundations. In South Africa and the world, Zip Zap is recognized across Governments, Ministries of Education, Tourism, Arts & Culture and private societies, as a major contributor to the development within the iconic ‘Mother City’ and providing sustainability of the circus arts in South Africa.

The unsung heroes of the Old Mutual Two Oceans Marathon

Each year, we all wait with bated breath as the first runner comes in and claims the title of Old Mutual Two Oceans Marathon champ. S/he is the sporting hero of the event, but what about those who make the event happen? The unsung heroes of the Old Mutual Two Oceans Marathon…  

As Cape Town gears itself for the eagerly awaited Old Mutual Two Oceans Marathon (OMTOM) on 04 April 2015, runners around the world descend on the Mother City for their final days of training before the world’s most scenic marathon.

What most people don’t realise about the event is the sheer logistics involved to make it all happen. Bradley Lenders is one such man who, along with approximately 300 other Peninsula Beverages (PenBev – local bottler of The Coca-Cola Company products in the Western and Northern Cape) staff is tasked to quench the thirst of over 22 000 participants (Ultra and Half marathons combined).

Lenders comments, “This is one of my favourite times of the year when my family gets together and supports me while I work at the Old Mutual Two Oceans Marathon. It all starts at 21:00 on the Friday night before the race when we load our trucks with refreshments and final plans are put in place for the event.” A father of two from Elfindale near Heathfield Cape Town, Lenders has been involved with setting up the refreshment stations for the race for the past 15 years and is in charge of coordinating 14 staff at his station.

“There are 24 refreshment stations in total, and this year I’m at the Powerade station between Constantia Nek and Hout Bay, 42km into the race. We’ll arrive at the station at 02:00 and begin setting up at 03:00 to make sure everything is ready before the first runners visit us. My family will then join me for the festivities, encouraging the runners along the way. We have our gig rig at our station so we play music, and just create a fun atmosphere for everyone.”

When asked what his favourite part of the race is, Lenders lights up, “I just love the vibe, everyone is in great spirits and having our families there makes it even better.”

For PenBev, the logistics side of the race begins in February. From there, they send out 80 trucks carrying 44 000 litres of Coke, 200 000 sachets of Powerade, 840 000 sachets of water and 7 to 8 tonnes of ice!

“We’ve been working hard since the beginning of February, finalising all the details to make sure everything ‘runs’ smoothly. From Thursday 02 April, we hit the ground running, but it’s an exciting time for us, very vibey,” concludes Lenders.

For more information about PenBev contact 021-936-5500 or visit www.penbev.co.za. Join PenBev’s Facebook page at https://www.facebook.com/PenBev

Hazardous waste – are you informed?

All the products consumers use on a daily basis need to be disposed of correctly to prevent it from ending up on a municipal landfill area. Household hazardous waste is one such waste stream which should not end up on a landfill site as it is potentially extremely harmful to the environment and citizens’ health, says Dr Suzan Oelofse, President of the Institute of Waste Management of Southern Africa (IWMSA).

With dwindling landfill airspace and higher environmental consciousness, the correct disposal of waste items has become more important than ever in South Africa. With the growing supply of buy-back centres and kerbside collection facilities, South Africa is moving towards separation at source to ultimately reduce pressure on landfill sites and to promote better waste disposal practices.

Household hazardous waste is one waste stream that can potentially have a very negative effect on the environment, not to mention human health. These items include electronic waste, batteries, CFL light bulbs, health care waste which includes syringes and old medicines, paint, pesticides and oil.

There is unfortunately no ‘one-size fits all’ solution to hazardous waste, however Oelofse says, “A number of retailers already provide drop-off facilities for batteries, e-waste and light bulbs.  Pick n Pay, Spar, Woolworths, Makro, Builders Warehouse and Incredible Connection stores are just some of these retailers. Some municipalities also provide drop-off facilities at garden sites for this purpose, but not all hazardous waste streams are necessarily accepted.”

Oelofse mentions that consumers should also be informed about The Consumer Protection Act (Act 68 of 2008), which is geared towards protecting consumers. The Act recognises that some consumer goods that have reached the end of its lifecycle may be prohibited from being disposed of in common waste collection systems.  “This act places a responsibility on suppliers and producers of consumer goods to implement take-back schemes at no charge to the consumer,” explains Oelofse.

“There are various recyclers that collect certain hazardous waste streams, so that it can be disposed of in an environmentally friendly manner. Consumers should start to separate their waste at source to contribute to a cleaner environment,” concludes Oelofse.

To find out where your nearest waste recycler is, visit www.mywaste.co.za.

For more information on the IWMSA, visit www.iwmsa.co.za. The IWMSA is also on Twitter (https://twitter.com/IWMSA) and Facebook (https://www.facebook.com/iwmsa).

Children from Khayelitsha enjoy The Rotary Blue Train Park experience

Caption: A day to remember – 55 enthusiastic learners from Ilitha Family Learning Educare in Khayelitsha were treated to a day out at The Rotary Blue Train Park in Sea Point.  

Many children living in impoverished areas never get the opportunity to enjoy what it really means to be young by playing until their heart is content. But last week, learners from Ilitha Family Learning Educare had a great opportunity to be able to visit the Blue Train Park.

It takes incredible people with huge hearts to offer their time and energy in giving these children the gift of laughter, and the Rotary Club of Sea Point is a great example of this community involvement.

The Rotary Club of Sea Point together with Peninsula Beverages (PenBev – local bottler and distributor of The Coca-Cola Company products in the Western and Northern Cape) treated 55 children from Ilitha Family Learning Educare in Khayelitsha to a day out at the Rotary Blue Train Park in Sea Point so they could play until their legs were tired.

The day began with a chorus of beautiful song from the children aged two to five as they stepped off the bus into the park. From the moment they saw the jumping castles, swings and mini train – the excitement got the better of them as they sprinted hysterically to the play areas.

The children spent almost four glorious hours playing and having fun. During the festivities, they were served a delicious lunch, fruit and refreshments of Bonaqua water sponsored by PenBev. The Rotary Club of Sea Point organised the outing for the children and made sure it was a day to remember.

PenBev’s Corporate Communications Manager, Denise Behrens, comments, “We have worked with Gavin and his team at the Rotary Club of Sea Point on the Blue Train experience for a number of years, and support many outreach programmes for disadvantaged children. We are pleased to be in a position where we are able to help with these initiatives.”

Please help maintain the facilities at The Rotary Blue Train Park by contacting their Management Team with donations – info@thebluetrainpark.com or 084 3149200.

For more information about Peninsula Beverages, visit www.penbev.co.za or contact 021 936 5500. PenBev is also on Facebook www.facebook.com/PenBev.

To find out more about the Rotary Club of Sea Points’ projects, visit www.seapointrotary.org.za.

Architects take on challenge of social enablement

Caption: With over 64% of South Africa’s population living in cities*, architects and designers have a major role to play in building and enabling the human environment. Daniel van der Merwe (above), President of the Gauteng Institute for Architecture (Gifa) mentions that in order to improve the quality of life of the majority of South Africans, more quality collective spaces are needed to live, work and play in – a key focus at this year’s thought-provoking Architecture ZA 2015 (AZA2015) event set to take place in Johannesburg from 24 to 26 September 2015.

South African cities are experiencing a growing influx of people which has a massive impact on the quality of urban life. According to the Worldbank*, South Africa’s urban population for 2013 was a staggering 64%. Never before in the history of mankind have so many people relocated to cities on such a scale, mentions Daniel van der Merwe.

“The prediction is that in the next 10 to 15 years more than 70% of the population will be living in urban environments in search of better employment opportunities to support their families. The quality of the urban environment is becoming more urgent than ever before. Quality collective spaces for private and public use is paramount for social enablement and architects and designers’ role in creating these environments are ever more essential,” says van der Merwe.

These pressing issues will be raised at the much anticipated Architecture ZA 2015 (AZA2015) event, set to take place in the heart of Johannesburg – The Sheds @ 1 Fox in Newtown.

“Environments need to be created to provide better lives for all, especially in an unequal society where the majority of the nation is poor. It comes down to empowerment where spaces should build on the dignity of a nation. The challenge for creating these environments is how quality spaces can be created that are cost effective and allow South Africans to take ownership of and enjoy their surroundings with dignity. The solution to this issue is not just green buildings, but rather sustainable human environments,” says van der Merwe.

He also highlights the importance of cross-disciplinary collaborations to enhance the future of South Africa’s cities and to make it more meaningful. “These endeavours should not be actioned in silos as there are a multitude of disciplines involved in creating workable living conditions. It should also be cost-effective where collaborative thinking is vital. Engineers, Government, architects and designers are just some of the fraternities that should make a collective stand,” continues van der Merwe.

Architecture is also a facilitator in the development of an economy in that it creates the habitat for productive and meaningful lives. The discipline unlocks potential to create important hierarchies of public and private interaction where environments are multi-functional and flexible. “Gone are the days where buildings are just for living, playing or working. These spaces become dead zones when not in use – it should serve as a collective space, which we are seeing more and more of in the bigger urban settings,” addresses van der Merwe.

Apart from architects and designers’ role in economic development, it is also a powerful tool for social enablement. Van der Merwe elaborates that architecture, more than ever, has to enable the poor which is the majority of the people. “If architecture fails in that obligation, we will fail society. We need to create a more equal community through architectural intervention or we will face an uncertain future,” explains van der Merwe.

It is refreshing to see the optimism of South Africa’s built landscape. There are numerous long-term urban development frameworks in place to create high density urban environments, where currently it is low density. “We as architects and built environment practitioners have the opportunity to create more workable, multiple-use cities with the use of regeneration which will also assist in job creation,” concludes van der Merwe.

AZA2015 will focus on all these exciting issues where it will bring local and international experts together to share experiences and best practice. The event is not just a conference where ideas will be shared; there will be master classes, workshops and multitude of public events. It is an opportunity for other disciplines to share in the future of South Africa’s cities and be part of the regeneration of major urban life, right in the heart of Johannesburg.

AZA2015 is proudly sponsored by PPC Ltd. For more information about AZA2015, visit http://architectureza.org/. AZA2015 is also on Facebook (https://www.facebook.com/architectureza).

* http://data.worldbank.org/indicator/SP.URB.TOTL.IN.ZS

Solving the Maths problem

Shockingly low Mathematics results at Senior School level are cause for concern: the average score for Grade 9 learners who wrote the 2014 Annual National Assessment (ANA) Mathematics test was 10% and only 35.1% of last year’s Matric students obtained a final mark of 40% or above in Mathematics.* “These results are worrying, but there is hope. The key to solving the national Maths problem is in early intervention programmes for children in the Foundation Phase,” says Edublox Director of Educational Programmes Susan du Plessis.

Poor results have been blamed on overcrowded classrooms, lack of scholar transport and underqualified teachers. While the Department of Basic Education plans to run training workshops for Grade 8 and 9 Mathematics teachers** and invests in school infrastructure, educational experts say that lasting solutions lie in the Foundation Phase.

“It’s completely wrong to say that if there is a huge drop out in Grade 10 or 11 then the problem must be in Grade 9 or Grade 8. That’s not the case,” says Education Economist Nicholas Spaull. “We know that children aren’t acquiring these foundational skills in Grades 1 to 3 and therefore that’s where the focus needs to be. Matric starts in Grade 1.”***

Du Plessis agrees with Spaull and says, “The Mathematics problems seen at Senior School level are due to a weak foundational understanding of the subject in Primary School. Parents should not become despondent about the problem. If they are aware and look out for signs that their child is struggling with the subject, early intervention in Primary School can help to ensure learning problems do not persist to High School level. The saying, ‘Prevention is better than cure’ really is true.”

Edublox provide a Mathematics remedial programme for Grade 2 to Grade 6 learners which is unique in its methodological approach. “Before revision worksheets can be of any use, Mathblox establishes an in-depth understanding of Mathematical terminology. Foundational skills are then taught to improve focussed, sustained and divided attention, visual processing and deductive and inductive reasoning. Curriculum-based exercises including mental arithmetic, reading and word sums are applied to further improve understanding. Visual, sequential and working memory is also mastered through the Mathblox classes,” says du Plessis.

Working memory is described as “the engine of learning” because it has shown to be the primary indicator of academic performance. It is the cognitive system responsible for the temporary storage and manipulation of information.

For example: to solve a problem like (3 X 3) + (4 X 2) in your head, you need to keep the intermediate results in mind (i.e., 3 X 3 = 9) to be able to solve the entire problem. Working memory is necessary when staying focused on a task and blocking out distractions.

Learning Mathematics is a stratified process, explained du Plessis. “Certain skills have to be mastered first, before it becomes possible to master subsequent skills. Excelling at Mathematics can unlock many career opportunities in the future.”

Parents with children in the foundation phase can easily identify if their child requires additional Mathematics support with this simple checklist:

  • Does my child obtain low Mathematics results?
  • Does my child struggle to do mental calculations?
  • Does my child count using fingers?

Du Plessis says that children still using their fingers to count in Grade 4 were at risk of missing out on learning more complicated elements of the subject, affecting their long-term chances of Mathematics success in the High School.

It is commonly accepted that children should be able to count before they start Grade 1. To teach your child to count, du Plessis recommends that parents count forwards and backwards from one to 11 with their child. Once this has been mastered, a child should count forwards and backwards from 11 to 21 and then from 21 to 31. This technique should steadily progress up to 100.

“Counting backwards demonstrates a thorough understanding of the order in which numbers are placed. Mathematics is all about counting. If a child cannot count properly they will not be able to move on to more complicated sums,” said du Plessis.

“Mathematics is important for whatever career you want to do, if you cannot grasp the content then your choices are limited. It is critical to get the basics right from Grade 1. Once you have built a strong Mathematical foundation, it remains forever.”

Edublox is a reading and learning clinic with 22 centres across the country. Edublox offers multisensory cognitive training, aimed at developing and automatising the foundational skills of reading, spelling and Mathematics. For more information about Edublox visit www.edublox.co.za.

*http://www.gov.za/speech-minister-basic-education-mrs-angie-motshekga-mp-official-release-annual-national-assessments

*http://www.education.gov.za/LinkClick.aspx?fileticket=5nWkeqFfYgM%3d&tabid=358&mid=1325

**http://www.iol.co.za/news/south-africa/kwazulu-natal/maths-test-plan-irks-teachers-1.1813314#.VP75RuFLPEY

*** http://www.news24.com/Live/SouthAfrica/News/SA-learners-are-acquiring-learning-deficits-early-in-the-schooling-careers-expert-20150106

ABOUT EDUBLOX

Edublox is a reading and learning clinic with 22 centres across the country. The Edublox multisensory brain-training programs enable learners to overcome learning obstacles such as reading, spelling and mathematical difficulties, assisting them to become life-long learners and empowering them to realize their highest educational goals. Through the various programmes, Edublox has achieved astounding results nationally and internationally.

Budgeting advice for first-time property buyers

Caption: Buying your first home should be one of the most exciting times of your life, but unforeseen costs and bad budgeting could destroy the dream, or at the very least cause unnecessary stress. Manja Kritzinger (above), CEO of Realtors International Durbanville, advises that comprehensive property budgeting is key to make the transaction as smooth as possible.

“Buying property for the first time is a daunting yet thrilling experience – it’s the beginning of a new chapter in making new, lasting memories and also the biggest financial decision a person will make. Those who are new to property investment should plan well in advance and be educated on the costs of buying their dream home. It all comes down to proper property budgeting,” says Kritzinger.

Kritzinger shares some tips and points to be aware of, especially for first-time property buyers.

Know the hidden costs

“Know exactly how much the buying process will cost. Things to be mindful of include transfer fees to get the property in your name, postage and petties, deeds office fee and transfer duty fees. Be mindful of these costs and budget accordingly,” says Kritzinger.

Hennie Mouton, Director at STBB Attorneys in Tyger Valley, says, “First-time buyers should note that properties of R750, 000 and less are not subject to transfer duty. Transfer duties will only apply to properties of greater value than R750, 000. Apart from transfer duty costs, financial institutions will also charge an initiation or valuation fee. When buying your first home, also make provision for rates and taxes and additional disbursement which ranges between R1, 000 and R3, 000 depending on the value of the transfer bond.”

Start saving early on

“The second step in property investment is to save for a deposit and ‘hidden’ costs such as bond registration fees. Start saving early on, as it will help you tremendously when applying for a home loan at a lending institute,” advises Kritzinger. Kritzinger adds that a deposit will not only be beneficial for buyers’ affordability score, but the monthly repayments will also be lower. It is also important to know that some lending institutes give 100% mortgage loans.

Up your credit score

“Another important step is to ensure you have a good credit profile – this will make it easier to get financing. Open credit and store accounts and pay these, as well as any other loans you have such as car instalments, timeously. Don’t miss payments or have an overdue account, as this will impact your credit score. It comes down to clever personal financial management,” guides Kritzinger.

Be mindful of the interest rate

“Your interest rate on your home loan will be based on the Prime Interest Rate. This is the amount added to your initial loan amount. A tip for first-time buyers is that the longer the term of your home loan, the higher your interest rate will be – to save a lot of money, try to make your term as short and realistic as possible,” shares Kritzinger.

“By taking all of these costs into account, you can start planning ahead and also budget according to what you can afford. There are many financial websites where you can calculate all the costs for purchasing your new dream home. It is also a useful tool to use to calculate your property affordability based on your income minus expenses, which provides you with a monetary value for what the financial institutes are likely to lend you,” concludes Kritzinger.

For more information about Realtors International Durbanville contact 021 975 5720 or visit www.realtorsdurbanville.co.za. Join Realtors International Durbanville’s Facebook page at https://www.facebook.com/RealtorsDurbanville.