Calculate your home loan affordability instantly based on your income and expenses. No sign-up needed.
A qualified bond originator will contact you — free, no obligation.
A bond originator will contact you within 1 business day.
Know the property price? Calculate your monthly repayment and once-off costs.
Get a full breakdown of all once-off costs when purchasing property in South Africa.
See how much interest you save by paying a little extra every month.
Calculate the total cash you need before taking ownership of your new home.
Three steps to understand your full home-buying picture before speaking to a bank.
Start with your gross monthly income or the property price you have in mind. All inputs update in real time.
Fine-tune your deposit, monthly expenses, interest rate and loan term to match your actual situation.
View your estimated loan, repayment, transfer costs, and total upfront cash needed — all in one place.
30% of income, 20-year term @ 11.75%
| Monthly Salary | Max Repayment | Estimated Bond |
|---|---|---|
| R 10 000 | R 3 000 | R 278 000 |
| R 15 000 | R 4 500 | R 418 000 |
| R 20 000 | R 6 000 | R 557 000 |
| R 25 000 | R 7 500 | R 875 000 |
| R 30 000 | R 9 000 | R 1 050 000 |
| R 40 000 | R 12 000 | R 1 400 000 |
| R 50 000 | R 15 000 | R 1 750 000 |
Use these tables to quickly understand typical repayments and buying costs.
R1,000,000 loan over 20 years
| Interest Rate | Monthly Repayment |
|---|---|
| 9% | R 8 998 |
| 10% | R 9 650 |
| 11% | R 10 322 |
| 11.75% | R 10 823 |
| 12% | R 11 011 |
| 13% | R 11 716 |
| 14% | R 12 435 |
Example for R1,500,000 property
| Cost Type | Amount |
|---|---|
| Deposit (10%) | R 150 000 |
| Transfer Costs | R 48 000 |
| Bond Costs | R 36 000 |
| Moving Costs | R 8 000 |
| Total Needed | R 242 000 |
South Africa — 20yr @ 11.75%
| Salary | Estimated Bond |
|---|---|
| R 10 000 | R 278 000 |
| R 15 000 | R 418 000 |
| R 20 000 | R 557 000 |
| R 30 000 | R 1 050 000 |
| R 40 000 | R 1 400 000 |
| R 50 000 | R 1 750 000 |