Kaizer Chiefs winger Khama Billiat under attack again. “S-Curl” is not impressed with what the former Mamelodi Sundowns man has contributed for Amakhosi this season, especially in Wednesday’s 1-1 draw with Bidvest Wits, where the Zimbabwean looked flat.
Former Kaizer Chiefs midfielder Jabulani Mendu has challenged the club’s star Khama Billiat to pull up his socks and give the club value for the money they spent on him.
“First, they need to check if Sundowns gave them the right Khama Billiat because I don’t think Sundowns gave Kaizer Chiefs the right Khama Billiat,” Mendu told KickOff.com.
“Khama doesn’t have that surprise element anymore. That bite, that hunger to be the best on the field for that day. To score goals, to create goals, creativity … it is no more there. What happened?
“Boy, do you need a hug? What do you need? Tell us, maybe we can help. If Khama can pull up his socks, if Khama can play the way we know his capabilities, Chiefs could have won this league long time.
“I mean how many goals has he scored this season? So I am saying Khama must catch a wake-up, baiza chiefs needs him. South African football-loving people like us we need the Khama that gave us the wow moments, the Khama that gave us ‘what a goal’, the Khama that gave us ‘did he really do that?’ … I don’t know.
“It is hurting to talk about Khama. Ja, I think he is giving Kaizer Chiefs a raw deal. That is all I can say. I think his heart is not there. I am sorry.”
With many of the club’s supporters not happy with the two points dropped on Wednesday, Mendu says people should not be too harsh on them as they were playing their first game in almost five months.
“Eish my brother, look we can’t judge Wednesday’s performance … let us be honest, how many months without kicking a ball? Without playing with your friends with your teammates,” he reasons.
“The players they will have to adjust again to that competitiveness. The fact that they scored, the fact that they hit the crossbar, the fact that they created goals, it is a good sign for me. “Look, going to Sundowns, to be safe they need to draw the game. Because I don’t see them beating Sundowns, sorry. Best result will be to draw with Sundowns, then they know Sundowns dropped two points. It is all about
maths now.
“The difference between Kaizer Chiefs and Sundowns … Sundowns knows how to win. Not to disrespect Kaizer Chiefs players but how many of them can say, ‘I’ve won this’?
“I can’t say they can win it, I can’t say they will lose it, but it is going to be tough. We wish them well but this pandemic disturbed everything, it’s going to be tough.”
Info News
Home Equity Loan vs. HELOC: Which Option Is Better?
Homeowners who have built equity may be able to borrow against their home through a home equity loan or a home equity line of credit, commonly called a HELOC. Both options use the home as collateral, but they work differently.
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A home equity loan provides a lump sum of money that is repaid over a set term with regular monthly payments. Many home equity loans have fixed interest rates, which makes payments predictable. This can be useful for one-time expenses such as a major home improvement project, debt consolidation, or a large planned purchase.
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A HELOC works more like a credit card. The lender gives you access to a line of credit, and you can borrow as needed during the draw period. HELOCs often have variable interest rates, meaning the payment can rise or fall over time. This flexibility can be useful for ongoing projects or uncertain expenses.
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The main advantage of a home equity loan is stability. You know how much you borrowed, what your payment is, and when the loan will be paid off. The main disadvantage is that you receive the full amount upfront, even if you do not need all of it immediately.
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The main advantage of a HELOC is flexibility. You can borrow only what you need, when you need it. The main risk is that variable rates can make payments unpredictable. Some borrowers may also be tempted to keep borrowing, which can increase debt.
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Before choosing either option, consider the risk. Because the loan is secured by your home, failure to repay could put your home at risk. Borrowing against home equity should be done carefully and for a clear financial purpose.
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Compare interest rates, fees, repayment terms, draw periods, closing costs, and whether the rate is fixed or variable. Also ask whether there are annual fees, early closure fees, or minimum withdrawal requirements.
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Home equity borrowing may make sense for improvements that increase property value or for consolidating high-interest debt with a clear repayment plan. It may not be wise for unnecessary spending or short-term lifestyle purchases.
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The best option depends on your goals. Choose a home equity loan if you need a fixed amount and predictable payment. Choose a HELOC if you need flexible access to funds over time.
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Before borrowing, compare lenders and review the full cost carefully.
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Mortgage Refinancing Options Homeowners Should Consider in 2026
Understanding Mortgage Refinancing
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Mortgage refinancing allows homeowners to replace their existing home loan with a new mortgage that offers updated terms, lower interest rates, or improved financial flexibility. Millions of homeowners refinance their mortgages to reduce monthly payments, shorten loan terms, or access home equity for major expenses.
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As interest rates fluctuate in 2026, refinancing continues to attract homeowners looking for long-term savings opportunities. Even a small reduction in interest rates can save borrowers thousands of dollars over the life of a loan. Refinancing can also help borrowers transition from adjustable-rate mortgages to more stable fixed-rate loan structures.
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Homeowners considering refinancing should evaluate their financial goals carefully before applying. Some borrowers focus on reducing monthly payments, while others prioritize paying off mortgages faster or consolidating debt using home equity.
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Benefits of Refinancing Your Mortgage
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One of the biggest benefits of mortgage refinancing is lower monthly payments. Reduced interest rates can significantly improve household cash flow, allowing homeowners to save more money or manage other financial obligations more comfortably.
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Refinancing may also shorten the loan repayment period. Some homeowners switch from 30-year mortgages to 15-year loans to reduce long-term interest expenses and build home equity faster.
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Cash-out refinancing is another popular option. This allows homeowners to borrow against accumulated home equity to finance renovations, education expenses, business investments, or debt consolidation.
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Factors to Consider Before Refinancing
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Although refinancing offers many advantages, homeowners should carefully compare lender fees, closing costs, and loan terms before making decisions. Refinancing costs may include appraisal fees, loan origination charges, title insurance, and legal expenses.
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Credit scores play a major role in refinancing approval and interest rates. Borrowers with stronger credit profiles generally qualify for more competitive terms and lower rates.
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Timing is also important. Homeowners planning to move within a short period may not benefit enough from refinancing savings to justify upfront costs.
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Final Thoughts
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Mortgage refinancing remains a powerful financial tool for homeowners seeking lower payments, improved loan terms, or greater financial flexibility. Careful planning and lender comparison can help borrowers maximize savings and avoid unnecessary expenses.
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By understanding refinancing options and evaluating long-term goals, homeowners can make smarter financial decisions that support long-term stability and wealth growth.
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