South Africa Home Loan (Bond) Calculator
Work out your monthly bond repayments based on the purchase price, deposit, and interest rate. SA prime rate is currently 11.75%.
20.0% of price
In South Africa, a home loan is commonly called a "bond". The bank registers a bond over your property as security for the loan.
Most banks will grant up to 100% of the purchase price, but a deposit of at least 10% will help you get a better interest rate and avoid paying bond insurance.
Transfer duty is a separate cost payable to SARS when you buy property above R1,100,000. Use our transfer duty calculator for exact figures.
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Disclaimer: This calculator provides estimates based on current HMRC rates and thresholds for the 2025/26 tax year. It does not constitute professional tax, financial, or legal advice. Your actual liability may differ depending on your individual circumstances. Always consult a qualified accountant or tax adviser before making financial decisions. Read our terms