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Bond / Home Loan Calculator

Calculate your monthly bond repayment, total interest, transfer duty, and bond registration costs for any South African property.

Purchase Price

Deposit

Interest Rate — 11.75%

Loan Term — 20 Years

Yrs

Include transfer duty, bond registration & initiation fees

💡 SARB prime rate is currently 11.75% (2025).Adjust the interest rate to match your bank's offered rate. Most banks offer prime or prime + 0.5–2% depending on your credit profile.

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Frequently Asked Questions

What is the current prime lending rate in South Africa?+

What is transfer duty and who pays it?+

Can I get a bond without a deposit in South Africa?+