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Is Now a Good Time to Buy a House in South Africa? A 2026 Guide for First-Time Buyers
How to Save for a House While Investing for Retirement in South Africa
How to Qualify for a Home Loan in South Africa: A First-Time Buyer’s Guide
What will your bond really cost you?
A quick estimate of your monthly repayment, built for first-time buyers navigating South Africa's home loan process — deposit, interest rate and FLISP subsidy included.
Your bond details
= R 95,000 of the purchase price
South Africa's prime lending rate is 10.25% — most banks quote first-time buyers prime, or prime plus a margin.
Estimated monthly repayment
R 8,214
About R 274 a day — over a 20-year term.
Total repaid over the term: R 1,971,410
This calculator gives an estimate for information purposes only, based on a standard fixed monthly repayment over the full term. It excludes transfer duty, bond registration, attorney and initiation fees, rates or levies, and does not constitute a loan quote or financial advice. Actual approval, interest rate and repayment terms are set by your bank.
Get in touch
Whether you need help with your subsidy application, bond process, or just have a question, our team is ready to guide you every step of the way.