South African home loan calculator

What Will Your Bond Really Cost?

Estimate your monthly home-loan repayment, total interest and remaining balance before you make an offer on a property.

  • No sign-up required
  • Prime rate updated 31 July 2026
  • Built for South African buyers
1

Enter your home-loan details

The agreed purchase price of the property.

Your bank may quote prime plus or minus a margin.

See how paying extra could reduce interest and shorten the loan.

2

Your estimated repayment

Monthly bond repayment R 13 478

Based on a R 1 350 000 home loan over 20 years.

Bond amount R 1 350 000
Loan-to-value 90%
Total interest R 1 884 751
Total repayment R 3 234 751
Estimated payoff 20 years
Deposit R 150 000

If interest rates change

At 9.50% R 12 584 p/m
At 10.50% R 13 478 p/m
At 11.50% R 14 397 p/m
By paying an extra R 0 per month, you could save approximately R 0 in interest and finish 0 months sooner.
Ask Crisna about properties in this range

Estimate only. Your bank's approved rate, fees, insurance requirements and repayment date may change the final amount. This is not a quotation or credit approval.

View year-by-year repayment schedule
Year Opening balance Principal paid Interest paid Closing balance

Understand the estimate

What Shapes Your Monthly Bond Repayment?

Your monthly instalment is driven by more than the property's price. A larger deposit, a lower interest rate or a shorter loan term can materially change both your monthly payment and the interest you pay over time.

Deposit and loan size

A larger deposit reduces the amount you need to finance. This lowers your repayment and may improve the interest rate offered by the bank.

Interest rate

Most South African home loans are linked to prime. If the prime rate changes, a variable-rate bond repayment normally moves with it.

Repayment term

A longer term lowers the monthly repayment but usually increases total interest. A shorter term costs more monthly but clears the debt faster.

Your bond repayment is not your full upfront cost

Transfer duty, conveyancing fees and bond-registration costs are separate from the monthly loan repayment.

Calculate transfer costs

Budget beyond the bond

Costs Buyers Often Forget

A comfortable property budget leaves room for ownership costs after registration. Use the bond estimate as a starting point, then account for the recurring expenses attached to the specific property.

Rates, levies and utilities

Municipal rates, sectional-title levies, electricity, water and refuse charges can materially affect your monthly housing budget.

Insurance

Banks generally require building insurance on bonded properties. Buyers should also consider household contents and life-cover needs.

Maintenance buffer

Repairs and maintenance do not arrive on a fixed schedule. Keep breathing room in your budget instead of borrowing at your absolute limit.

Continue planning

Useful Buying Resources

Run the numbers, understand the buying process and prepare for the costs and decisions that come before registration.

01 — CALCULATOR

Transfer Cost Calculator

 02 — BUYER GUIDE

First-Time Home Buyer Guide

 03 — CHECKLIST

Property Moving Checklist

Frequently asked questions

South African Bond Calculator FAQs

How is the monthly bond repayment calculated?
The estimate uses the standard amortising-loan formula. It applies the annual interest rate monthly across the selected term, so each repayment includes both interest and capital. Early repayments contain a larger interest portion; more capital is repaid later in the term.
What is South Africa's current prime lending rate?
The prime lending rate used as this calculator's default is 10.50% as at 31 July 2026. Your home-loan offer may be above or below prime depending on the bank's assessment, your deposit, credit profile and the property.
Does this calculator include transfer and bond-registration costs?
No. The repayment estimate covers the financed home-loan amount only. Transfer duty, conveyancing fees, bond-registration costs, bank initiation fees, insurance and ongoing property costs must be budgeted separately.
Is a 20-year or 30-year bond better?
A 30-year bond normally has a lower required monthly instalment, but the total interest can be substantially higher. A 20-year term costs more each month and clears the loan sooner. The right structure depends on affordability and whether you plan to make additional payments.
Will paying extra into my bond reduce the term?
Usually, yes. When additional payments are applied directly to the capital balance and no amount is withdrawn again, future interest is calculated on a lower balance. Confirm the treatment of extra payments and access-bond conditions with your bank.

Found a Monthly Repayment That Works?

Let Crisna help you find suitable properties in Amanzimtoti and Durban South—or guide you through the next step before making an offer.

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