Get Smart with an An FNB Smart Bond (similar to a cash loan) is a first-time home buyer’s home loan that helps lower income groups to buy their own home, or to refurbish their existing home.

An FNB Smart Bond is only available to SA citizens who’ve been employed for an uninterrupted period of 12 months, who have a bank account and who are looking to buy a home priced at no more than R600 000.
The Smart Bond has been specifically designed for individuals who earn a gross monthly salary of between R3 500 and R25 000. In the case of joint applications, each applicant should earn no more than R25 000 per month gross.
A Smart Bond offers customers: