Bond / Home Loan Calculator
Calculate your monthly bond repayment, total interest paid, and see how extra payments can save you thousands.
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SA prime rate is currently ~11.75%
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Add purchase price, deposit, rate and term to see your repayment.
How is a South African bond calculated?
South African home loans (bonds) are typically structured as reducing-balance loans with a variable interest rate linked to the South African Reserve Bank (SARB) repo rate via the prime lending rate. Banks usually offer prime minus 0.5% to prime plus 2% depending on your credit profile.
The transfer duty on properties over R1,100,000 is payable to SARS and ranges from 0% to 13%. Attorney transfer and bond registration fees are additional once-off costs. Use Finance EzyFind to get pre-approved and compare bond offers from major banks and specialist mortgage providers.
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Rates are indicative and subject to change without notice. Finance EzyFind is a free comparison and matching service — not a lender or credit provider. All lending is subject to the National Credit Act (NCA). Please borrow responsibly.
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