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The Refugees Act says that if you have “just cause” for not renewing your permit in time, you may not pay a fine or be imprisoned.
You may be able to get a Social Relief of Distress Grant in the event of a crisis or disaster.
Unfortunately, this is a common story in Cape Town, and there has been a lot of anger and protests about it recently.
Yes, you can apply for a spousal visa.
The answers to your questions are far from clear and we recommend contacting an organisation like Lawyers for Human Rights
It is worth having a credit check done. You may still qualify for a bank loan even with a bad credit record.
The Deeds Office is responsible for registration and management of title deeds.
Here's where you can go for legal advice
A home loan provider can't repossess your property without trying to reach an agreement with you.
Here are the various steps the application goes through, according to the Department of Home Affairs