Calculators
Run the numbers before anyone runs your credit.
Four calculators, all working off the current prime rate of 10,50 percent and the 2026/27 SARS transfer duty table. Nothing here touches your credit record.
What a bond of a given size costs you every month.
Monthly instalment
R 14 976
- Loan amount
- R 1 500 000
- Total interest over the term
- R 2 094 168
- Total repaid
- R 3 594 168
- What half a percent is worthInterest saved if we negotiate prime less 0.5%
- R 120 090
An estimate based on a standard amortising loan. It excludes rates, levies, insurance and the bank's monthly service fee. Your actual rate is set by the bank on assessment of your credit profile.
Reference
SARS transfer duty, 2026/27.
Transfer duty is a tax paid to SARS on the purchase of a property. It is separate from the attorney's fees and from the deeds office charge, and it is payable in cash before registration. These rates took effect on 1 April 2026.
| Purchase price | Rate | Calculated as |
|---|---|---|
| R0 to R1 210 000 | 0% | No transfer duty payable |
| R1 210 001 to R1 663 800 | 3% | On the amount above R1 210 000 |
| R1 663 801 to R2 329 300 | 6% | Plus R13 614 |
| R2 329 301 to R2 994 800 | 8% | Plus R53 544 |
| R2 994 801 to R13 310 000 | 11% | Plus R106 784 |
| Above R13 310 000 | 13% | Plus R1 241 456 |
Worked example. On a purchase of R 2 000 000, duty is R13 614 plus 6 percent of the amount above R1 663 800, which comes to R 33 786. Attorney fees, deeds office charges and bond registration costs are payable on top of that.
Ready when you are
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