Property calculators
Plan the numbers before you enquire.
Estimate affordability, repayments, transfer costs, deposit targets and the impact of extra payments before you book a viewing or make an offer.
Choose a calculator
Interactive estimate
Bond Affordability Calculator
Estimate the home loan size your income may support.
Your estimate
Affordable bond
R 1 572 543
Property price range
R 1 697 543
Repayment limit
R 16 500
Disposable income
R 32 500
These calculators provide estimates only. Actual affordability, instalments, transfer costs and approvals depend on lender rules, credit profile, attorney tariffs, property details and current South African regulations.
Factors that influence home loan calculations
The calculator is a starting point. Lenders still look at the full picture.
Income and affordability
Banks compare gross income, living expenses and existing debt to estimate a repayment that remains manageable.
Interest rate
A small rate change can materially affect monthly repayments and total interest over a 20-year bond.
Deposit size
A stronger deposit can reduce the loan amount, improve cash-flow and sometimes improve the rate offered by a lender.
Credit profile
Payment history, active credit, account conduct and affordability checks all influence approval and loan terms.
Transfer and bond costs
Buying costs are usually paid upfront and can include transfer duty, attorney fees, bond registration and deeds office charges.
Property and valuation
Final approval can depend on whether the lender’s valuation supports the purchase price and property risk.
FAQs about home loan calculations
Common questions before buyers enquire
Are these calculators a bond approval?
No. They are planning estimates. A lender or bond originator must still verify your income, expenses, credit profile and property details.
Why is transfer duty sometimes zero?
South African transfer duty has threshold bands. Properties below the current threshold may have no transfer duty, although attorney and registration costs can still apply.
Should I include a deposit?
Yes. A deposit lowers the loan amount and can reduce monthly repayment pressure. Some buyers may still qualify for a high loan-to-value bond, depending on lender criteria.
What interest rate should I use?
Use a realistic market-related rate for planning, then test a slightly higher rate to understand affordability if rates change.
Do extra payments really help?
Yes. Extra monthly payments reduce capital sooner, which can reduce interest and shorten the repayment period.
Can Realo arrange my bond?
Realo is a property and agency technology platform, not a bank. We can help point you toward a pre-approval conversation where appropriate.