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… Your debt-to-income ratio. … Your down payment. … Your work history. … The value and condition of the home. … Shop around among different lenders How do I apply for a home loan at Nedbank? You have to be at least 18 years of age in order to be approved for a home loan. In general, many banks are also hesitant to lend to older borrowers. While there aren't exceptions for borrowers over 18, there are exceptions for borrowers over the age of 55. When you find the home you want you will need to make an offer. Do some research on the prices of houses in the area – is the seller asking too much? Check out the market conditions – is it a good time to buy? Speak to an estate agent or property expert for advice Look at the size, features and condition of the property – will it need repairs or extensions? Read the offer to purchase carefully to understand what your rights and obligations are, before signing How do I check my Nedbank loan balance? You can download the Nedbank Money™ app to view your home loan account and enjoy the added convenience of being able to buy prepaid electricity.