Dhiginina.

Part-time📚🐛

[Dhiginina. @MsElindi]

“None of those who trust in Him shall be left desolate”

[𝗠𝘂𝗵𝗲𝗲 ♛ @muheediva01]

Girl it’s NORMAL to:
• Stay home.
• Save money.
• Read books.
• Protect your peace.

[Princess A @cessadelove1]

I don't know who needs to see this, but Isaiah 60:22 says, "When the time is right, I, the Lord, will make it happen." So relax. You're not behind, you're not forgotten, and you're not late. God's timing is still working in your favor.

[Sheila of the Most High @sheilatebra]

Do you notice how many times God saved you quietlyyyyyyyyy?

[Dear Self. @Dearme2_]

No joke, leaving your house and returning home safely for 365 days is something to give God thanks for.

[Monkey™ @ChilliKong]

Windhoek is congested already as it is, then we have people who drive in from Rehoboth, Okahandja, Osona, Omeya, Groot Aub and a whole lot of settlements on a daily basis for work. Then we decide to clog the only freeway that helps ease traffic congestion. Arrest Nekundi.

[Boluwatife @TEEPHTREND]

Normalize praying before embarking on journeys. Long or short. Leaving your house and returning safely is a blessing.

[NaNa🌼✨ @sil_vee_yah]

This era is called: With God, all things are possible.

[Kayilula @MekondjoKondja]

Here Is Why.

First, understand what Affordability is. Just because you pay, say 14k in rent doesn't mean you can afford it. The banks assess your real affordability - not those things of Netting N$35k and you pay 40/50% of your Net to rent. Okwiimanga epaya, because of peer pressure to live where your peers live or where it's nice, while eating bread with cooking oil.

Banks don't play that game. In fact that just plays to your disadvantage if they see how much you're paying in rent in comparison to what you earn. You're a risk already.

Banks have a Cap of 30% of your Net and that'll depend on a lot of assessments to answer their 1 question:

"Can you really afford to pay a certain amount CONSISTENTLY per month on a specific date for 20-30 years?"

Also, if you pay $14k per month in rent, it means from that $14k, insurance (fire cover) must be deducted, Rates and Taxes must be deducted for them to get what you can actually afford. After that, your money handling behaviors should be assessed through 6 months Bank Statements etc, because "can you really afford to pay that amount CONSISTENTLY per month on a specific date for 20-30 years"?

They also do a buffer assessment to assess if you'll cope if inflation hits and installment increases $1k-3k.

💡Here is a ChatGPT detailed Affordability Assessment that banks do, and I can confirm it as true.

Banks assess home loan affordability by determining whether your income can COMFORTABLY support the mortgage repayment after all your existing expenses and debts are considered.

1. Gross and Net Income

The bank looks at:

Basic salary (most important)

Fixed allowances (housing, transport, etc., if permanent)

Bonuses/overtime (sometimes partially counted)

Rental income or side income (often discounted for risk)

They verify this through:

Payslips and Bank Statements (usually 3–6 months)

Employment confirmation letter (stable & permanent employment strengthens affordability).

Tax documents (for self-employed)

2. Existing Debt Obligations

Banks subtract your current monthly commitments, such as:

Car loans
Personal loans
Credit cards/store accounts
Furniture accounts
Student loans
Etc.

This is to calculate your debt-to-income ratio.

3. Living Expenses

Banks estimate or review your monthly expenses, including:

Food

Transport/fuel
Utilities
School fees
Insurance
Medical aid
Dependants
Etc.

Key: Even if your statements show low spending, banks may apply a minimum living expense benchmark.

4. Repayment Capacity (Affordability Ratio)

The bank checks how much of your monthly income can SAFELY go toward debt.

A common benchmark is that total debt repayments should not exceed roughly 30%–50% of disposable income, depending on the bank and risk profile.

A simplified example:

Net Salary: N$25,000
Existing debts: N$5,000
Living expenses: N$8,000

Disposable balance:
25,000 − 5,000 − 8,000 = N$12,000

The bank may decide that a home loan repayment of around N$7,000–N$10,000 is affordable (leaving a safety buffer).

5. Credit Record

Banks also check your repayment behaviour through a credit bureau:

Good signs:
✅ Paid loans on time
✅ Low arrears
✅ Stable account conduct

Red flags:
❌ Missed payments
❌ Judgments/defaults
❌ Overdrawn accounts regularly

Even a high salary may fail affordability if the credit profile is poor.

6. Deposit and Loan-to-Value

The more deposit you put down, the easier affordability becomes.

Example:

House price: N$1.5 million

Deposit: N$300,000

You borrow less, so monthly repayments reduce.

7. Stress Testing (Interest Rate Buffer)

Banks test whether you could still afford repayments if interest rates rise.

Example:
If your repayment is N$10,000 today, they may test affordability at N$12,000–N$13,000.

8. Employment Stability

Banks assess:
Permanent vs temporary employment
Length of employment
Industry stability
Probation status

Someone permanently employed for 5 years is generally viewed as lower risk than someone who just started work.

[Sheila of the Most High @sheilatebra]

I found a very beautiful Bible verse.❤️

NAHUM 1 :9
There will come a time when that problem won’t bother you again, not because you forgot, but because God ended it once and for all.

[Sir T Shiimi @Incredible_Tau]

A healthy 2-parent household is one of the biggest blessings a child can have ❤️

“I’ll make dinner, you handle bath time.”
“One kid is melting down? I got this one, you keep the other entertained.”
“You woke up early with the kids? Sleep in tomorrow, I’ll take over.”

No competition. No keeping score. Just two people choosing each other every day and making sure neither parent carries the weight alone.

That kind of teamwork changes everything for the kids… and for the home 🫶🏽💯

[Stix Die-Virus @Stix_Munene1]

Just a friendly reminder that from tomorrow on taxi is 15 dollars

[Oluwatimileyin✨🦋 @Timmysofine]

My newest prayer is simple: “Lord, settle it.” Settle my mind. Settle my heart. Settle my spirit. Teach me to walk in peace instead of anxiety, and faith instead of fear. 🤍

[TATE LEEVI @tate_leevi]

Nobody talks about the depressing part of living in a foreign country. when everything beautiful about that country no longer matters, you just wanna go home to your family, friends and missing the food back home too.

[Kandidly Kamesha ✨ @KandidlyKamesha]

Ask for more! God isn’t on a budget.

[TATE LEEVI @tate_leevi]

Losing a parent is such a painful feeling that really takes time to come to terms with and requires a lot of distractions to keep you from getting hurt and overthinking. It’s been 10 months of my grieving period and I am really grateful for the strong support system I have in my life. Going to the Gym, running Marathons, Hiking, having sessions with a therapist. . . Are some of the things that I am proud of which contributed so well to my mental health so far🙏🏻

[Kazembire Zemburuka @KazembireZ]

All the best @Shipululo @G_Kambala with your new roles. When you are settled let’s continue the discourse!

[Martha Uupindi🍯 @GFD____]

I think the scariest part about life is that you never truly know what people’s intentions are with you , whether it’s in friendships, romantic relationships or even just when people come and support what you do. Stay prayed up , do not lose the Lord💗

[𝑺𝒊𝒍𝒂𝒔 🔮🇳🇦 @silas_timoteus_]

▪️500 000 jobs in the next 5 years!

▪️8 300 Jobs in a month!

▪️276 jobs in a day!

▪️11 jobs every hour!

‼️WE WILL BE THERE TO REMIND HER‼️

[habib @whoishabyb]

Please dress well, it’s one of the things you can control.

[Shinovene Immanuel @ShinOvene]

Swapo's National Assembly seats over the years:

2014: 77
2019: 63
2024: 51

Trouble in paradise. They’ve lost 26 seats in the past 10 years. One seat is worth around N$1.1 million.