LOAN RANGERCalculators
PRIME 10.75% · OCTOBER 2026
Prototype — rates, transfer duty and attorney fees are illustrative and must be checked against current tables

What it costs, and what you need on the day.

Two numbers every buyer needs before they make an offer. The second one is the one that catches people out.

Your purchase

Purchase priceR1 950 000
R500 000R8 000 000
DepositR195 000
No deposit40%
Paid back over20 years
5 years30 years
Interest rate10.75%
8.25%16.00%

Every month

For the life of the bond
R17 816
a month at 10.75% over 20 years
Bond amountR1 755 000
Loan to value90%
You need to earn aboutR59 388
If rates rise 2%R20 249
Total paid over the termR4 275 840
Of that, interestR2 520 840

Banks generally want the repayment under about 30% of what you earn before deductions. Your real offer follows an affordability assessment and a credit check.

In cash, before you get the keys

The one that surprises people
R292 236
deposit plus costs, none of it covered by the bond
DepositR195 000
Transfer duty to SARSR30 786
Transfer attorneyR33 850
Bond registration attorneyR29 700
Deeds office and sundriesR2 900
Total cash neededR292 236

Attorney fees and transfer duty are not part of your bond. You pay them in cash, on top of the deposit. Illustrative — transfer duty follows the SARS tables and attorney fees the recommended tariff, both of which change.

Why a bigger deposit is not automatically the right answer

Move the deposit slider and watch both numbers move in opposite directions. More deposit means a smaller repayment every month — and more cash you have to find on the day, when you are already paying attorneys and movers.

There is no universally right answer, which is why we show both numbers and let you decide rather than telling you what to do.

Prototype. Transfer duty is calculated on the SARS brackets and attorney fees on an approximation of the recommended tariff; both change and must be confirmed. Credit life cover, homeowner's insurance, rates clearance and occupational rent are not included. Nothing here is a quote or an offer of credit.