Calculators
The three calculations every South African buyer should run before they make an offer. Each updates live as you adjust the inputs.
Monthly repayment on a home loan at current South African rates.
Use CalculatorHow much you can borrow based on monthly income and expenses.
Use CalculatorSARS transfer duty, conveyancer fees, and bond registration — combined in one estimate.
Use CalculatorWhat you'll pay each month.
Enter the purchase price, your deposit, an interest rate, and your bond term. We'll calculate the monthly repayment.
Monthly repayment
R 78 027
The likely upper bound.
A rough indication of the maximum purchase price you may qualify for, based on common South African bond affordability criteria. Banks make the final decision based on a full credit assessment.
Approx. max bond
R 2 002 386
Banks apply individual credit, affordability, and stress-test rules. This is an indicative figure only.
Total cash required on top of the purchase price
Bond amount: R 1 500 000 (price − deposit)
Transfer Costs
Bond Registration Costs
Total (Transfer + Bond)
R 63 226
These are estimated costs based on current guideline rates. Actual costs may vary. Consult your attorney for a precise quotation.
All calculators provide estimates only. SARS brackets and bank fees change. Confirm actual costs with your conveyancer and bond originator before committing.
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