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Who is eligible to take out an EasyCredit loan?

Only SA citizens, 18 and over are eligible to take out an EasyCredit loan. 


EasyCredit is currently not available to companies or legal entities. 


Individuals who are married in community of property are also not eligible. When you are married in community of property, all of your assets are owned equally between you and your spouse, so you can’t use those assets as collateral for a personal loan.

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In respect of FSRs, EasyEquities acts as principal to a contract for difference issued to the investor, where the investor will have a contractual claim against EasyEquities to the economic benefits and risks associated with share ownership (price movements and dividends) without having ownership rights in the underlying share. Fractional share rights (FSRs) which are issued through a contract for difference, are an over the counter derivative. Unlike whole shares, FSRs do not carry any voting rights. As the investor makes further investments in FSRs and ultimately ends up with a whole share, the contract for difference is closed out and ownership whole share is delivered to the investor.

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