CALCULATE AFFORDABILITY

I-Mortgage Bond Calculator

Plan your home purchase with our comprehensive bond calculator designed specifically for South Africa

Bond Calculator

Calculate your home loan repayments and costs based on current South African rates

Calculator

Transfer Costs

Payment Schedule

Property Value R 1,500,000

R 500k R 10M

Deposit 10% (R 150,000)

0% 50%

Interest Rate 8.75%

5% 15%

Term (Years) 20 years

5 years 30 years

Loan Amount R 1,350,000

                
                  Monthly Payment
                
                R 11,947

Deposit R 150,000

Interest Rate 8.75%

Loan Term 20 years

Total Paid R 2,867,280

Total Interest R 1,517,280

Transfer & Registration Costs

Transfer Costs

Transfer Duty R 0

Attorney Fees R 25,000

Deeds Office Fee R 3,000

Total Transfer Costs R 28,000

Bond Registration Costs

Registration Fee R 2,700

Bond Attorney Fees R 5,400

Total Bond Costs R 8,100

Total Costs

R 36,100

These costs are estimates based on standard rates in South Africa. Actual costs may vary based on location, attorneys' fees, and other factors.

Year	Payment	Principal	Interest	Balance

Initial Loan Amount

R 1,350,000

Total Payments

R 2,867,280

Total Interest

R 1,517,280

Interest to Principal Ratio

112.39%

About This Calculator

This home loan calculator provides an estimate of your potential monthly bond repayments based on the property value, deposit, interest rate, and loan term. It also estimates transfer and registration costs associated with purchasing a property in South Africa.

Please note that actual costs may vary depending on the financial institution, property location, and your personal financial circumstances. We recommend consulting with a mortgage advisor for personalized advice.

I-Mortgage Bond Calculator

Plan your home purchase with our comprehensive bond calculator designed specifically for South Africa

Bond Calculator

Calculate your home loan repayments and costs based on current South African rates

Calculator

Transfer Costs

Payment Schedule

Property Value R 1,500,000

R 500k R 10M

Deposit 10% (R 150,000)

0% 50%

Interest Rate 8.75%

5% 15%

Term (Years) 20 years

5 years 30 years

Loan Amount R 1,350,000

                
                  Monthly Payment
                
                R 11,947

Deposit R 150,000

Interest Rate 8.75%

Loan Term 20 years

Total Paid R 2,867,280

Total Interest R 1,517,280

Transfer & Registration Costs

Transfer Costs

Transfer Duty R 0

Attorney Fees R 25,000

Deeds Office Fee R 3,000

Total Transfer Costs R 28,000

Bond Registration Costs

Registration Fee R 2,700

Bond Attorney Fees R 5,400

Total Bond Costs R 8,100

Total Costs

R 36,100

These costs are estimates based on standard rates in South Africa. Actual costs may vary based on location, attorneys' fees, and other factors.

Year	Payment	Principal	Interest	Balance

Initial Loan Amount

R 1,350,000

Total Payments

R 2,867,280

Total Interest

R 1,517,280

Interest to Principal Ratio

112.39%

About This Calculator

This home loan calculator provides an estimate of your potential monthly bond repayments based on the property value, deposit, interest rate, and loan term. It also estimates transfer and registration costs associated with purchasing a property in South Africa.

Please note that actual costs may vary depending on the financial institution, property location, and your personal financial circumstances. We recommend consulting with a mortgage advisor for personalized advice.