Free calculator ยท updated September 2026

Bond and home affordability calculator

See how much house your income can carry, or work out the monthly repayment on a home you’ve found.

I want to know
Add both incomes if you are buying with a partner.
Some banks offer 100% bonds, but a deposit lowers your repayment and can get you a better rate.
Prime is 10.75% (from 25 September 2026).
You could buy a home up to about R0
Highest repayment banks usually allow (30% of gross income)R0
Bond amountR0
Plus your depositR0
Total interest over the termR0

Transfer duty, bond registration and conveyancing fees are extra and usually paid upfront. The bank makes the final decision after checking your credit record and expenses.

How banks decide

Most South African banks will not approve a bond repayment above about 30% of your gross monthly income. They also look at your credit record, your other debts and your monthly expenses, so the amount they approve may be lower than this estimate.

Remember the upfront costs: transfer duty (on homes above the threshold), bond registration fees and conveyancing fees. Budget for these on top of your deposit.