Bond Repayment Calculator South Africa

Step 1 of 2

Bond affordability

Split transfer duty, bond costs, and cash needed.

Purchase price

Deposit

Interest rate % Starts at a 10.50% prime rate. Change it to match your lender's quoted rate.

Term in months

Add monthly service fee Only show this when the finance is through a bank other than your salary bank.

Adjust once-off cost estimates Use a lender or conveyancer quote when you have one. These changes do not alter the SARS transfer-duty calculation.

Disclaimer: By default, this calculator uses the prime interest rate for home-loan calculations. This is for convenience only and is not an indication of the rate a bank may offer. It provides estimates from the amounts, rates, and fees you enter. While we make every effort to keep the calculations accurate, WCIA cannot be held liable for inaccuracies or loss arising from using this calculator.

How this bond estimate works

Use the purchase price, deposit, rate and term to estimate a bond repayment and the cash you may need before transfer.

Your deposit reduces the amount borrowed; transfer duty and legal costs are separate once-off expenses.
The interest rate is adjustable because a bank’s final offer depends on its own assessment.
Use the result as a starting point, then compare it with a formal quote before making a property decision.