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	<url>
		<loc>https://www.ooba.co.za/faq/what-happens-to-jointly-owned-property-if-one-owner-dies/</loc>
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			<image:loc>https://www.ooba.co.za/app/uploads/2022/06/flisp-application-process.png</image:loc>
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	<url>
		<loc>https://www.ooba.co.za/faq/can-i-get-flisp-subsidy-if-single-no-dependants/</loc>
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		<loc>https://www.ooba.co.za/faq/do-you-pay-back-flisp/</loc>
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			<image:loc>https://www.ooba.co.za/app/uploads/2022/06/flisp-application-process.png</image:loc>
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			<image:loc>https://www.ooba.co.za/app/uploads/2022/06/flisp-application-process.png</image:loc>
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		<loc>https://www.ooba.co.za/faq/government-subsidy-on-first-home-loan/</loc>
		<lastmod>2023-03-02T13:00:24+00:00</lastmod>
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		<loc>https://www.ooba.co.za/faq/will-my-bad-credit-affect-my-husband-buying-a-house/</loc>
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		<loc>https://www.ooba.co.za/faq/no-transfer-duty-meaning/</loc>
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		<loc>https://www.ooba.co.za/faq/can-you-make-an-offer-on-house-that-is-under-offer/</loc>
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	<url>
		<loc>https://www.ooba.co.za/faq/offer-to-purchase-cancellation-letter/</loc>
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	<url>
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		<lastmod>2023-06-07T13:56:30+00:00</lastmod>
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		<loc>https://www.ooba.co.za/faq/best-commercial-property-investments/</loc>
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		<lastmod>2023-08-14T14:39:57+00:00</lastmod>
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		<loc>https://www.ooba.co.za/faq/first-home-finance-flisp/</loc>
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		<lastmod>2023-10-18T12:31:38+00:00</lastmod>
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		<loc>https://www.ooba.co.za/faq/house-transfer-fees/</loc>
		<lastmod>2023-10-18T12:32:08+00:00</lastmod>
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		<loc>https://www.ooba.co.za/faq/flisp-call-centre/</loc>
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		<lastmod>2023-10-18T12:55:55+00:00</lastmod>
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		<lastmod>2023-11-21T14:14:37+00:00</lastmod>
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		<loc>https://www.ooba.co.za/faq/flisp-port-elizabeth/</loc>
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		<lastmod>2023-11-21T14:19:33+00:00</lastmod>
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		<loc>https://www.ooba.co.za/faq/conradie-park-flisp/</loc>
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	<url>
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		<lastmod>2023-11-21T14:21:17+00:00</lastmod>
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		<lastmod>2024-01-16T13:28:45+00:00</lastmod>
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		<lastmod>2024-01-16T13:29:49+00:00</lastmod>
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		<lastmod>2024-02-12T13:52:26+00:00</lastmod>
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	<url>
		<loc>https://www.ooba.co.za/faq/what-is-joint-home-loan/</loc>
		<lastmod>2024-02-12T13:53:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/what-happens-after-signing-purchase-agreement/</loc>
		<lastmod>2024-02-19T11:23:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/what-is-interest-rate/</loc>
		<lastmod>2024-02-19T11:24:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/difference-between-fixed-and-linked-interest-rate/</loc>
		<lastmod>2024-02-19T11:25:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/what-does-flisp-mean/</loc>
		<lastmod>2024-02-19T11:26:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/flisp-housing-subsidy-kzn/</loc>
		<lastmod>2024-02-19T11:26:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/how-long-does-flisp-take-to-pay-out/</loc>
		<lastmod>2024-02-19T11:27:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/flisp-application-form/</loc>
		<lastmod>2024-02-19T11:28:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/flisp-subsidy-south-africa/</loc>
		<lastmod>2024-02-19T11:28:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/how-does-home-equity-loan-work/</loc>
		<lastmod>2024-03-08T14:28:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/how-does-first-time-home-buyer-loan-work/</loc>
		<lastmod>2024-03-08T14:29:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/what-does-100-bond-mean/</loc>
		<lastmod>2024-03-08T14:29:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/home-loan-attorneys-costs/</loc>
		<lastmod>2024-03-08T14:30:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/how-does-the-first-time-homebuyer-program-work/</loc>
		<lastmod>2024-03-08T14:31:06+00:00</lastmod>
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	<url>
		<loc>https://www.ooba.co.za/faq/flisp-durban/</loc>
		<lastmod>2024-03-08T14:31:39+00:00</lastmod>
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	<url>
		<loc>https://www.ooba.co.za/faq/flisp-registration/</loc>
		<lastmod>2024-03-08T14:32:45+00:00</lastmod>
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	<url>
		<loc>https://www.ooba.co.za/faq/flisp-bond/</loc>
		<lastmod>2024-03-08T14:33:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/how-long-for-flisp-to-be-approved/</loc>
		<lastmod>2024-03-08T14:34:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/how-long-do-you-have-to-pay-transfer-fees/</loc>
		<lastmod>2024-03-18T13:41:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/can-transfer-costs-be-included-in-bond/</loc>
		<lastmod>2024-03-18T13:42:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/why-are-transfer-fees-high/</loc>
		<lastmod>2024-03-18T13:42:47+00:00</lastmod>
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	<url>
		<loc>https://www.ooba.co.za/faq/transfer-attorney-fees/</loc>
		<lastmod>2024-03-18T13:44:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/flisp-house-application/</loc>
		<lastmod>2024-03-18T13:44:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/flisp-cape-town/</loc>
		<lastmod>2024-03-18T13:45:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/flisp-application-2024/</loc>
		<lastmod>2024-03-18T13:46:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/nhfc-flisp-subsidy/</loc>
		<lastmod>2024-03-18T13:46:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/how-to-apply-for-flisp-subsidy-online/</loc>
		<lastmod>2024-03-18T13:47:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/when-does-deeds-office-close/</loc>
		<lastmod>2024-04-17T12:25:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/deeds-office-process/</loc>
		<lastmod>2024-04-17T12:26:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/register-deeds-meaning/</loc>
		<lastmod>2024-04-17T12:26:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/deeds-office-meaning/</loc>
		<lastmod>2024-04-17T12:27:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/housing-subsidy-amounts/</loc>
		<lastmod>2024-04-17T12:28:05+00:00</lastmod>
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			<image:loc>https://www.ooba.co.za/app/uploads/2022/06/housing-subsidy-amounts.webp</image:loc>
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	<url>
		<loc>https://www.ooba.co.za/faq/how-much-is-government-housing-subsidy-south-africa/</loc>
		<lastmod>2024-04-17T12:28:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ooba.co.za/app/uploads/2022/06/housing-subsidy-amounts.webp</image:loc>
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	<url>
		<loc>https://www.ooba.co.za/faq/how-contact-flisp/</loc>
		<lastmod>2024-04-17T12:29:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/how-check-housing-subsidy-status-online/</loc>
		<lastmod>2024-04-17T12:30:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/how-to-get-first-time-homebuyers-grant/</loc>
		<lastmod>2024-04-17T12:30:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/who-qualifies-government-housing-subsidy/</loc>
		<lastmod>2024-04-17T12:31:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/bond-cancellation-process/</loc>
		<lastmod>2024-06-20T12:27:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/paid-up-bond-cancellation-fees/</loc>
		<lastmod>2024-06-20T12:27:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/commercial-property-finance-requirements/</loc>
		<lastmod>2024-06-20T12:28:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/vat-on-commercial-property-south-africa/</loc>
		<lastmod>2024-06-20T12:28:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/what-is-off-plan-property/</loc>
		<lastmod>2024-07-23T12:21:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/how-much-is-occupational-rent/</loc>
		<lastmod>2024-07-23T12:22:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/how-much-to-invest-in-property-south-africa/</loc>
		<lastmod>2024-07-23T12:23:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/how-buy-commercial-property-no-money/</loc>
		<lastmod>2024-07-23T12:24:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/can-foreigner-buy-house-south-africa/</loc>
		<lastmod>2024-08-16T14:03:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/can-foreigner-get-mortgage-south-africa/</loc>
		<lastmod>2024-08-16T14:04:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/requirements-to-buy-house-south-africa/</loc>
		<lastmod>2024-08-16T14:04:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/how-to-buy-house-south-africa-foreigner/</loc>
		<lastmod>2024-08-16T14:05:37+00:00</lastmod>
	</url>
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		<loc>https://www.ooba.co.za/faq/how-long-to-get-title-deed/</loc>
		<lastmod>2024-09-19T13:06:15+00:00</lastmod>
	</url>
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		<lastmod>2024-09-19T13:06:54+00:00</lastmod>
	</url>
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		<loc>https://www.ooba.co.za/faq/how-to-check-property-zoning-south-africa/</loc>
		<lastmod>2024-09-19T13:07:32+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-09-19T13:08:09+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-08T15:55:07+00:00</lastmod>
	</url>
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		<lastmod>2024-10-16T11:20:35+00:00</lastmod>
	</url>
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		<loc>https://www.ooba.co.za/faq/offer-to-purchase-subject-to-bond-approval/</loc>
		<lastmod>2024-10-16T11:22:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/do-you-have-to-accept-an-offer-on-your-house/</loc>
		<lastmod>2024-10-16T11:27:18+00:00</lastmod>
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		<lastmod>2024-11-21T12:53:09+00:00</lastmod>
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		<lastmod>2024-11-21T12:53:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/minimum-salary-buy-house-south-africa/</loc>
		<lastmod>2024-11-21T12:54:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/how-does-bond-calculator-work/</loc>
		<lastmod>2024-11-21T12:55:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/home-loan-application-approval/</loc>
		<lastmod>2024-12-17T10:54:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/home-loan-applications-to-different-banks/</loc>
		<lastmod>2024-12-17T11:05:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/home-loan-application-process/</loc>
		<lastmod>2024-12-18T13:15:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/successful-home-loan-application/</loc>
		<lastmod>2024-12-18T13:16:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/what-is-a-bond-repayment-on-five-hundred-thousand/</loc>
		<lastmod>2025-01-17T12:19:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/what-is-a-bond-repayment-on-one-million/</loc>
		<lastmod>2025-01-17T12:23:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/what-does-home-staging-mean/</loc>
		<lastmod>2025-02-26T11:05:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/what-does-pre-approval-mean/</loc>
		<lastmod>2025-02-26T11:09:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/how-do-i-know-if-my-home-loan-will-be-approved/</loc>
		<lastmod>2025-02-26T11:13:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/how-do-i-check-my-home-loan-application-status/</loc>
		<lastmod>2025-02-26T11:21:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/viewing-a-house/</loc>
		<lastmod>2025-04-03T13:05:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/what-is-commercial-property/</loc>
		<lastmod>2025-05-02T13:09:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/best-bond-originator-south-africa/</loc>
		<lastmod>2025-05-05T13:22:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/how-get-copy-of-title-deed/</loc>
		<lastmod>2025-05-20T06:52:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/bond-originators-vs-banks/</loc>
		<lastmod>2025-06-06T12:18:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/approved-home-loan-application/</loc>
		<lastmod>2025-06-06T12:23:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/apply-for-a-home-loan/</loc>
		<lastmod>2025-06-06T12:29:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/apply-before-finding-a-property/</loc>
		<lastmod>2025-06-06T12:34:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/does-prequalification-affect-my-credit-score/</loc>
		<lastmod>2025-08-01T09:20:46+00:00</lastmod>
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	<url>
		<loc>https://www.ooba.co.za/faq/where-can-i-get-pre-approved-for-a-home-loan/</loc>
		<lastmod>2025-08-01T09:25:25+00:00</lastmod>
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	<url>
		<loc>https://www.ooba.co.za/faq/good-credit-score/</loc>
		<lastmod>2025-08-01T13:34:08+00:00</lastmod>
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	<url>
		<loc>https://www.ooba.co.za/faq/current-home-loan-interest-rate/</loc>
		<lastmod>2025-09-01T13:05:41+00:00</lastmod>
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	<url>
		<loc>https://www.ooba.co.za/faq/repo-rate-increase/</loc>
		<lastmod>2025-09-01T13:19:00+00:00</lastmod>
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	<url>
		<loc>https://www.ooba.co.za/faq/sectional-title-meaning/</loc>
		<lastmod>2025-10-08T14:51:02+00:00</lastmod>
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	<url>
		<loc>https://www.ooba.co.za/faq/capital-gains-tax-rate/</loc>
		<lastmod>2025-10-08T15:05:41+00:00</lastmod>
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	<url>
		<loc>https://www.ooba.co.za/faq/what-does-under-offer-mean/</loc>
		<lastmod>2025-10-10T15:01:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/where-to-get-offer-to-purchase-form/</loc>
		<lastmod>2025-10-10T15:05:35+00:00</lastmod>
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	<url>
		<loc>https://www.ooba.co.za/faq/where-to-apply-for-a-home-loan/</loc>
		<lastmod>2025-10-21T06:18:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/registration-after-lodgement/</loc>
		<lastmod>2025-11-10T09:00:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/buyer-cancel-offer-to-purchase/</loc>
		<lastmod>2025-11-10T09:09:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/latent-defects/</loc>
		<lastmod>2025-11-10T09:27:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/documents-needed-for-home-loan/</loc>
		<lastmod>2025-11-10T09:47:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/repo-rate-meaning/</loc>
		<lastmod>2026-01-22T12:24:20+00:00</lastmod>
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	<url>
		<loc>https://www.ooba.co.za/faq/repo-rate-cut/</loc>
		<lastmod>2026-01-22T12:26:18+00:00</lastmod>
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	<url>
		<loc>https://www.ooba.co.za/faq/current-prime-interest-rate-south-africa/</loc>
		<lastmod>2026-01-22T12:28:39+00:00</lastmod>
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	<url>
		<loc>https://www.ooba.co.za/faq/current-repo-rate-south-africa/</loc>
		<lastmod>2026-01-22T12:30:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/how-check-housing-subsidy-status-online-application/</loc>
		<lastmod>2026-02-09T08:45:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/how-to-clear-name-from-credit-bureau-south-africa/</loc>
		<lastmod>2026-02-09T08:48:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/flisp-subsidy-quantum-table/</loc>
		<lastmod>2026-02-09T08:51:17+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ooba.co.za/app/uploads/2022/11/FHF-Quantum-Table_Jan-2024.webp</image:loc>
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	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/what-happens-after-lodgement-at-deeds-office/</loc>
		<lastmod>2026-02-09T08:56:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/flisp-subsidy-cape-town/</loc>
		<lastmod>2026-02-09T09:00:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/building-cost-per-square-meter/</loc>
		<lastmod>2026-02-19T12:28:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/how-check-flisp-application-status/</loc>
		<lastmod>2026-02-19T12:31:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.ooba.co.za/faq/how-long-to-clear-your-name-from-credit-bureau/</loc>
		<lastmod>2026-02-19T12:33:58+00:00</lastmod>
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