The Bank reserves the right to turn down any request at its discretion and to withdraw any product at any time. Loans are only available where the applicant provides the Bank with asset-based collateral which in its view is satisfactory. The interest rate and instalment for housing loans can be changed by the Lender from time to time. You run the risk of losing your real estate assets if you fail to keep up mortgage instalments or instalments on any other loan secured by a mortgage on your property.