Bond calculator
What will my bond cost?
Work out your monthly repayment, how much house you can afford, and the transfer duty. Change any number and the answer updates.
Your repayment
R 0a month
- Bond amountR 0
- Interest over the whole termR 0
- Total you’ll pay the bankR 0
- Transfer duty, paid onceR 0
You could look at homes up to
R 0
- Monthly repayment up toR 0
- Bond amountR 0
Banks usually allow a repayment of up to about 30% of your income before tax.
See homes in my budgetTransfer duty to SARS
R 0paid once
SARS rates for 1 April 2026 to 31 March 2027. If you buy from a VAT-registered developer, you pay no transfer duty: VAT is included in the price instead.
A guide, not a bond offer. Your bank decides your interest rate and how much it will lend, based on your full budget and credit record. Attorney fees for the transfer and the bond registration come on top: Mari can get you a quote.
Next step
Ready to look?
Mari can put you in touch with a bond originator for pre-approval, then show you homes in your budget.