Plan your property purchase
Bond calculator
See how your deposit, interest rate and repayment term affect the monthly cost of your property bond.
SARB prime lending rate: 10.75% p.a.
SARB observation: 20 October 2026. Rate feed checked hourly.
Your purchase details
Change any value to update your estimate.
Cash deposit: R 200 000.00
Your bank may quote prime plus or minus a margin. Enter the full annual rate offered to you.
Estimated monthly repayment
R 18 274.12
20 years at 10.75% p.a. • capital and interest
- Bond amount
- R 1 800 000.00
- Cash deposit
- R 200 000.00
- Total interest over the term
- R 2 585 789.08
- Total bond repayments
- R 4 385 789.08
Bond amount: 90% of the purchase price. Total bond repayments exclude your deposit.
What if your rate changes?
| Annual rate | Monthly repayment |
|---|---|
| 9.75% | R 17 073.30 |
| 10.75% (selected) | R 18 274.12 |
| 11.75% | R 19 506.73 |
Estimates assume equal monthly repayments and an unchanged interest rate for the full term. Excludes bank and bond registration fees, transfer costs, VAT or transfer duty, insurance, rates and levies. Commercial property finance terms depend on the lender and property. Confirm your repayment and all costs with your bank.
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