How much bond do you qualify for?
Estimate the maximum home loan you may qualify for based on your gross income, current interest rate and chosen loan term.
Inputs
Affordability inputs
Banks typically allow up to 30% of gross income to cover the bond instalment.
Bond Affordability Calculator South Africa
Banks typically allow up to 30% of gross income towards a bond instalment. Use this calculator to estimate what bond size that supports — and benchmark before approaching a lender.
Frequently asked questions.
How do banks decide what bond I qualify for?
Most use a 30% of gross income affordability ceiling, then assess credit score, existing debt, expenses and disposable income. The calculator uses the 30% rule as a starting point.
What if I am self-employed?
Banks typically use the average of the last 12–24 months of declared income, supported by tax returns and bank statements. Speak to a bond originator for a tailored assessment.
Related calculators and services.
Numbers are a start. Advice is the next step.
Lebon Consulting (FSP No. 52013) helps clients turn calculator outputs into properly structured insurance, retirement and investment decisions — on the record.