Repo rate hikes, determined by the South African Reserve Bank, impact the cost of borrowing money, including mortgage interest rates. As repo rates increase, homeowners may face higher monthly mortgage repayments, making it challenging to maintain their properties.

In the absence of a marriage certificate, initiating divorce proceedings in a customary marriage may require a lobola letter. A lobola letter is a written acknowledgment by the families involved, confirming the marriage and outlining the terms of the lobola agreement.