19/06/2026
A Zimbabwe Exemption Permit holder who has lived in South Africa for 15 years, paid tax, built a career, and raised a family can still face questions about whether they qualify for a home loan.
The problem is often not the applicant. It's the misunderstanding of the permit itself.
I take a closer look at the history of the ZEP, its current legal standing, and why lenders should focus on actual risk factors such as employment, affordability, and long-term residence rather than political headlines:
https://www.linkedin.com/pulse/zimbabwe-exemption-permit-hannah-van-deventer-rtx5e