Issue 6

Issue June 2021 MAKING A DIFFERENCE SINCE 2000

We dedicate this month to our Superhero dads. www.ingwe.co.za

CONTENTS 03

What does being a dad mean to you?

04

Step by step guide to buying property

04

Wishing every father a happy father’s day

Steps to help guide you in the process of buying a property

05

Free services to get your finances in order

06

Mordern, secure, just move in duplex

08

Hottest Properties in Pinetown for sale

09

Hottest Properties in Phoenix for sale

10

Hottest Properties in Newlands & Reservoir Hills for sale

Complimentary services to help you prepare your finances for home ownership

05

3 Bedroom Duplex For Sale in Newlands West

Properties available in Pinetown

Properties available in Phoenix

Properties available in Newlands & Reservoir Hills

06

www.ingwe.co.za

What does being a DAD mean to you?

Being a father of 2 girls means I'm always out voted 3 to 1 because they are always on mum's side.. but it also means that I'm king of the castle surrounded by my lovely ladies and that's quite a responsibility and honor.

I always thought I would be on the sidelines of soccer games and karate practice but this was replaced by netball and ballet recitals with the arrival of my baby girls.

Life would never be the same and I wouldn't change it for the world.

Our children are treasures and truly are a gift from God!

- Denzel Samuel

Being a dad and being a real estate agent is like working two full-time jobs at once. But real estate gives me the flexibility of fulfilling my responsibilities as father and a real estate agent.

Being a real estate agent I have learnt to balance out family life and my real estate career. With being in my profession, I have developed better time management skills to schedule around my day and work according to my kids school activities.

- Sugan Naidu

Being a dad to my beautiful daughter has taught me that the world is bigger than me, it's taught me to be humble and patient and to see the best in the small things around me.

Being a dad is a great responsibility but I have learned not to be so hard on myself and enjoy every moment!

- Bradley Pandaram

Step-by-step guide to buying property in South africa

Step 1 Determine what you can afford

Step 2 – Assess your credit record

Are you thinking about buying a property in SA? Over the next few days we'll share a step by step process to purchase your dream property!

As far as your bank is concerned, your credit score is a big number above your head that tells them how much of a risk you are. Your credit score indicates to your bank whether your past debt repayment behaviour will make you a good risk or not. Through various calculations based on your transactional records, the credit bureau will provide your bank with a three-digit number ranging between 0 and 999.

Naturally, the higher the better, and a high credit score rating is one of the most valuable personal finance assets you can have.

Before you start your house search, you should have a very clear idea of what financing is available to you for the transaction.

A good starting point would be to use a bond affordability tool. This will provide you with your credit score, a summary of your affordability, and a realistic indication of your price ceiling.

Step 4 – Sign an offer to purchase

Step 5 – Apply for a home loan

Once you’ve found your dream home, and got all your finances in order, you’re ready to sign an offer to purchase.

Once you and the seller have come to an agreement, the next step is acquiring a home loan to fund your purchase. A home is a significant investment, hence why banks have a system in place to help people acquire them within their affordability range, without having to file for bankruptcy afterward.

This is an agreement between you and the seller that stipulates the terms and conditions for the sale of the property.

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Step 3 – Find your ideal home Now the part people generally enjoy most about the home-buying process, the house hunt itself. Of course, this is also the most difficult part of the process, as this will all be for naught if you don’t find a home that meets your requirements.

Of course, the first step is having a clear idea of what exactly those requirements are before embarking on a house hunt. Give some thought to: Where you want to live.

Whether it’s important to be close to a school, medical facility, supermarket and shops, and other useful amenities.

The desired size of the home and whether a garden is a necessity.

Whether you want to live in a gated community.

Whether it’s important to be in a quiet neighborhood.

Once you have a clear idea of what you want, you can begin the house hunt.

Free services to help get your finances in order

Free assistance Consumers should not take knowing their credit status for granted, it impacts in your ability to be granted credit and for some consumers to even get employment.

As one needs to advance in their life, you might need the assistance of a loan or even when trying times come, you might need to get an emergency loan and getting declined due to information that is reflecting on your credit profile, which may even be outdated or incorrect, will surely discourage you.

Whereas you could have requested for your free credit report prior to applying for credit and should there have been any discrepancies, you have been afforded the right to dispute the information at no cost to you as the consumer. Once you have logged your dispute with the credit bureau, they will provide you with a dispute reference number and you will give the credit bureau 20 working days to resolve your matter.

Should you not be satisfied with the outcome from the credit bureau, or you have not received feedback within the 20 working days, then you may approach the Credit Ombud for disputes against non-bank members, to further assist you.

More free assistance If you are a consumer or business that has been negatively impacted by credit bureau information or when a consumer has a dispute against a non-bank credit provider who is a subscribing member of the Credit Ombud - you can make use of this service for free.

When a consumer has logged their dispute with a credit provider or with the credit bureau and afforded the credit bureau and credit provider 20 working days in which to investigate their dispute and may not be happy with the outcome from them, they can approach the Credit Ombud for further assistance.

Free credit report Buying property is a massive financial obligation, so getting your finances in order is key. One of the free services you can use to help is a free credit report. Section 72 of the NCA states that the consumer has the right to receive a free credit report once annually from every registered credit bureau upon request.

New Release

MODERN, SECURE,

JUST MOVE IN DUPLEX. 3 Bedroom Duplex For Sale in Newlands West

Situated within the fully established surrounds of Newlands West, you'll find this refreshing, stylish and tastefully decorated duplex.

Proudly boasting a family sized lounge, private guest loo downstairs with a massive kitchen and has adequate for a dining area. On the upper level are three super spacious bedrooms, perfectly fitted to the T. The laminate wood flooring, Gamazenith featured walls and cupboards of lavish proportions, make these bedrooms luxurious and the ideal hide out for the whole family. The exclusive choice of tiles and sanware finish, the bathroom and toilet look completed with a stylish vanity, frameless shower and pristine bath tub.

Move in and enjoy perfection. The lock-up garage, under cover patio and additional carport completes this buy.

Noeleen Naidoo 082 828 2895 noeleen@ingwe.co.za www.ingwe.co.za

MAKING A DIFFERENTS SINCE 2000

34 Glenugie Road, Pinetown New Germany, 3600

Pinetown

R1 595 000

Corgi Mohanlal 081 581 5601

Moseley Park, Pinetown

2

1

Extremely stylish lock up and go home suitable for the whole family!! Ultra modern simplex, Set on table top land with ample yard space for up tp 10 cars. Set among a haven of homes this fantastic family residence will impress buyers searching for an upmarket home, offering space, location, security and awesome views. Featuring an open-plan kitchen with built in cupboards, living and dining areas which flow seamlessly to the all weather entertainment area where you can entertain in style no matter what the weather is.

R1 200 000

Phumla Phili

062 748 2135

Nagina, Pinetown

9

5

This beautiful home is situated in the heart of Nagina. Investment property or for a big family. Large yard for children to play. Fully fenced with an automated gate. All the bedrooms have fully built-in cupboards, the bathrooms all have showers. This home is in a state of repair. Close to all amenities, BP Nagina Service Station, SAPS Marianhill, Nilgiri Secondary School, Juggies Shopping Centre, Shopping Centre and Madari Shopping Centre. It has easy access to M1 and N3

R2 100 000

New Germany, Pinetown

Thandiwe Muyambi 071 883 6560

6

4

2

This is an ideal house with 2 self contained income generating flats, each with 2 bedrooms and sep. entrances, 1 bathroom and kitchen. The Main house is fully tiled with built-in cupboards, alarm system with beams, security cameras and wine cellar, solar powered geyser (recently fitted). Close to amenities, Hospitals, Shopping Malls, public transport, Schools University and Restaurants.

031 701 9898

R820 000

Denzel Samuel 083 555 9553

Nagina, Pinetown

3

1

GRAB this BARGAIN home in Nagina Phase 2! Offering 3 bedrooms - ALL with built-in cupboards, lounge, dining, fitted kitchen and family bathroom. Outside storeroom which can be converted to a granny flat for extra income. Big and spacious land offering lots of parking. Well secured: Fully fenced and gated. Close to shops, school and public transport.

Easy access to Pinetown and Chatsworth. A real deal. Call now to make it yours!

R1 750 000

Glenwood, Durban

Thuli Zondo 083 656 2375

3

1

2

This is an ideal house with 2 self contained income generating flats, each with 2 bedrooms and sep. entrances, 1 bathroom and kitchen. The Main house is fully tiled with built-in cupboards, alarm system with beams, security cameras and wine cellar, solar powered geyser (recently fitted). Close to amenities, Hospitals, Shopping Malls, public transport, Schools University and Restaurants.

R575 000

Pinetown Central, Pinetown

Bonga Mngadi

079451 9733

1

1

Call this clean lovely apartment home at the price that must not be missed! Located in central Pinetown next to the filling stations, medical facilities, schools, a college and a shopping center. The apartment is fully tiled and has a fully fitted kitchen, fitted bedroom and a bathroom with a tub. No one wants to worry about security, certainly not you! The complex has full security with electronic gate for access. Secure parking space for your car. This is the one.

www.ingwe.co.za

Phoenix R799 000

Bradley Pandaram 072 723 4794

031 500 2269

R950 000

Eric Chinnah 082 858 2477 Lorraine Chinnah 084 445 5254

Redfern, Phoenix

3

1

No need to over spend as this 3 bedroom pet friendly duplex offers a luxurious yet affordable solution. It's a modern home with space that will surprise you. A fully fitted well kept kitchen with plenty of space for appliances, easy to clean granite tops, a stainless steel oven and extractor, and a glass top hob. Porcelain tiles and horizontal blinds for that finishing touch. A large lounge and combined dining area to accommodate the entire family.

R1 250 000

Sugan Naidu 071 167 4113

Caneside, Phoenix

4

1

This 4 bedroom extended home is set on a level stand that has all the opportunities that you have been waiting for in terms of future developments. Properties in this area are difficult to come by with regards to yard space. The property is conveniently situated near major amenities. As you enter this property through automated driveway gates you cannot help notice how spacious the property is, the first thing that comes to your mind is the endless opportunities you have for future developments. The fully tarred property accommodates 12 vehicles, the massive carport which can ideally be used when you are entertaining your guests or can be used to park 4 vehicles.

Redfern, Phoenix

3

R1 490 000

1

Bradley Pandaram 072 723 4794

Woodview, Phoenix

3

1

A Modern 3 Bedroom 2 Bathroom luxurious freestanding home with all the bells and whistles in Woodview. Close to major amenities and in a secure, sought after area. Are you wanting a home that is tastefully done? A low maintenance home with meticulous high quality finishes? Then a viewing of this home must be first on your list. This plush eye catching home offers a large airconditioned, combined and fully tiled dining and lounge area with feature walls and ceilings. A recently renovated kitchen fitted with quartz counter tops, a glass top hob, undercounter oven and a stainless steel extractor. The main bathroom offers a wall to wall shower with modern fittings.

Eric Chinnah 071 167 4113

R1 425 000

Lorraine Chinnah

084 445 5254

Caneside, Phoenix

2

This home comes with lots of potential. If you are looking for a large stand to build multiple buildings, look no further this is the ideal. This property comes with 3 spacious bedrooms with built-in cupboards an main en-suite. Open plan lounge and dining. Fully fitted functional kitchen with appliances. Family room with shower. Fully fenced with security gates, aluminum windows throughout. Garage and parking for many cars. Beautiful garden with fruit trees. Make an appointment to view this property, This will sell fast!

3

2

1

5 Bedroom home for sale in Caneside, Phoenix. Fully fitted functional kitchen with appliances, hob, oven, extractor fan with granite tops. 1 bedroom with en-suite, toilet and shower. The home offers a study/office area for those days when you are working from home. It also features an open plan lounge and dining room with sliding doors opening to the front and side of the property. It also has an air conditioner that keeps the entire ground floor cool.

www.ingwe.co.za

34 Glenugie Road, Pinetown New Germany, 3600

R900 000

Reservoir Hills, Durban

Newlands & Revervoir Hills Savy Kanniappen 074 925 7130

2

1.5

Walk into this spacious ultra modern apartment/flat on the ground floor level with views listed by Ingwe property group "JUST MARRIED" Move in lock and go or retiree no fuss no stairs. The open plan living/dining room area flows out into the parking area for easy access to drive in and out and off load your goodies . The kitchen has ample storage cupboard space and comes furnished with stove ,extractor with granite top . On the same level are 2 toilets and newly fitted shower and sanware and all rooms fully custom fitted bic ,2 aircons From your 2nd bedroom is an emergency fitted exit and 2nd Spanish type burglar bars for those are security conscious . There is one parking and ample visitors parking.

R1 150 000

Newlands West, Durban

Savy Kanniappen 074 925 7130

3

2

The property is built in a friendly community on a flat land with 24-hour security. This clean home boasts 3 bedrooms fully tiled with a toilet and bathroom on the upper level. The lower level of the home offers a beautiful open plan lounge and dining room with lovely lighting adding elegance to the rooms. A tiled kitchen with fully fitted built-in cupboards, granite tops, scullery, and a family bathroom. The scullery opens into the carport for entertainment with an additional bonus of a Wendy house for extra storage.

R1 495 000

Reservoir Hills, Durban

031 701 9898

Corgi Mohanlal 081 581 5601

4

4.5

4

Need more space? Look no further. This home offers a wonderfully done-up and practical kitchen with lots of built-in cupboards, including an oven hob and extractor fan. There are 2 family living areas as well as a separate dining area, a spacious master bedroom with an en-suite where you can enjoy a luxurious jacuzzi and a huge walk-in closet.

The main building is separated so as to accommodate for a granny flat with its own kitchenette, 2 bedrooms including an en-suite. These motivated sellers have also installed backup lighting in the main rooms of the house, so load shedding does not leave you in the dark.

R1 380 000

Newlands West, Durban

Savy Kanniappen 074 925 7130

4

3

1

This property is nested in a culde-sac allowing for extra visitors parking. Spacious home perfect for an extended family and can be a multipurpose which has a large land also suitable for investors. This home has 3-bedrooms with 2 toilets and shower. The main bedroom with ensuite with jacuzzi lower level with a fully fitted kitchen, open plan lounge and a dining room with 2 entrances and the upper level with a bedroom and a shower. The it has an entertainment area and a private office.

www.ingwe.co.za

HAPPY

FATHER’S DAY