Tools
Bond Repayment Calculator
Estimate your monthly home loan repayment on a South African property. Adjust the deposit, interest rate and term to see how each affects affordability.
Monthly repayment
R46 448
Loan amount
R4 500 000
Total interest over 20 years
R6 647 635
Plus transfer duty (once-off, paid to SARS)
R327 356
How bond repayments work in South Africa
South African banks typically offer home loans over 20 years, priced relative to the prime lending rate. Your individual rate depends on your credit profile, deposit size and the bank's appetite — luxury buyers with strong balance sheets often secure below-prime rates, so it pays to have your bond originated competitively.
A larger deposit reduces both your monthly repayment and the rate banks will offer. On multi-million rand properties, even a quarter percent difference in rate compounds to hundreds of thousands of rand over a 20-year term.
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