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    Johannesburg first-time buyer: is ZAR 254,800 enough cash after closing?

    There is a caveat to putting all repairs ahead of furniture: some basic furniture may avoid expensive temporary arrangements or repeated moving. The useful distinction is not “repair versus furniture” but essential versus deferrable. A leaking fitting and a bed are immediate; repainting and a...
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    How should I compare a 5.96% one-year fixed mortgage quote near Johannesburg?

    I’ve checked the headline rate and the basic repayment illustration. What I still cannot see clearly is which offer is cheaper if I move or refinance early. The purchase near Johannesburg is around ZAR 20,380,000, and one lender has offered 5.96% fixed for 1 year. Once I account for the...
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