Estimate your monthly bond instalment.
Project monthly bond repayments at the current prime rate, see total interest paid, and budget for transfer duty and registration costs.
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Updating from SARB feed…
Your effective rate
11.75%
Prime + 0%
Inputs
Bond repayment inputs
Banks price your home loan as Prime ± a margin based on your credit profile, loan-to-value and the type of property.
Lender risk margin
Banks adjust your rate based on credit score, deposit and risk profile.
Selected: Standard offer for most home-loan applicants
Variable rate moves with the SARB prime rate — your repayment changes when SARB cuts or hikes. You benefit when rates fall, but exposure rises if they climb.
Fixed rate locks your repayment for the agreed period (commonly 12–60 months). Lenders price this certainty in — fixed rates often sit 1–2% above variable at the time of fixing. After the fixed term ends, your loan reverts to variable.
Bond Repayment Calculator South Africa
Estimate the monthly instalment for a home loan over your chosen term and interest rate. Includes once-off costs — transfer duty, bond registration, initiation fees — to help you plan the full purchase.
Frequently asked questions.
What affects my bond repayment?
Loan amount, interest rate, repayment term and any extra payments. Lower rates and longer terms reduce monthly cost; longer terms increase total interest paid.
What once-off costs come with buying property?
Transfer duty, bond registration, transfer attorney fees, initiation fee and ongoing service fee. The calculator estimates these from published SA tariffs.
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.