Bond repayment calculator
Your monthly repayment, plus transfer duty and upfront costs.
Bond repayment calculator
R
R500 000R10 000 000
R
10% of price
Bond term (years)
%
Estimated monthly bond repayment
R14 865/ month
Bond amount
R1 350 000
Total interest
R2 217 600
Total repayment
R3 567 600
Estimated upfront costs
DepositR150 000
Transfer dutyR8 700
Bond registration (est.)R21 200
Transfer fees (est.)R23 000
Total upfrontR202 900
Transfer duty uses SARS rates effective 1 April 2025 (checked 27 September 2026). Bond registration and transfer fees are GuideStation estimates. Actual costs depend on the property and attorneys involved. Prime rate 10.75% (South African Reserve Bank, effective 25 September 2026; checked 27 September 2026).
SARB prime rate and SARS transfer duty, checked 27 Sep 2026 · fees are GuideStation estimates · Sources & methodology