Bond Repayment Calculator

Home loan repayment calculator

Found the perfect home and want to see what the monthly instalments would be?
Purchase price
Bond amount
Additional payment
Interest rate (%)
Repayment term
Total Monthly Repayment
Total interest
New Loan Duration
Transfer Costs
Transfer Fee (incl VAT)
Transfer Deeds Office Fee:
Transfer Postage & Petties:
Transfer Duty:
Total Loan Amount
Additional Savings
Bond And Transfer Costs
Bond Costs
Bond Registration Fee (incl VAT):
Bond Deeds Office Fee:
Bond Postage & Petties:
Total monthly repayment
R 0
Total amount repayable
Total Bond and Transfer Cost
Terms and conditions apply
Total monthly repayment
R 0
Total amount repayable
Total Bond and Transfer Cost
Terms and conditions apply

Your step-by-step guide to help you on your home-buying journey

Home, khaya, huis, lapeng, legae…

No matter what you call it, we’ll help you get there. We aim to make it easier, simpler and better for you to get a bond.

Join us on the BetterBond home buying journey.

Home loan repayment FAQ

How does the interest rate affect my repayments

The interest on your bond is based on the current prime interest rate determined by the South African Reserve Bank (SARB). Your instalments will change according to how the interest rate increases or decreases. For the first few years, most of your loan repayments will go toward paying off the interest. Over time more of your repayments will go towards paying off the actual loan amount.

What is the most common home loan period?

Generally, you are required to pay back the home loan, plus interest, over a set period, most commonly between 20 to 30 years.

Do I need a deposit?

While the inclusion and payment of a deposit are recommended, it is not compulsory to make the offer to purchase a binding, legal document between the two parties. 

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Buying a home can be very exciting, but it can also be very daunting.

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Terms and conditions:
The estimates contained on this webpage are provided for general information purposes and should be used as a guide only. While every effort is made to ensure the accuracy of the calculator, BetterBond cannot be held liable for any loss or damage arising directly or indirectly from the use of this calculator, including any incorrect information generated by this calculator, and/or arising pursuant to your reliance on such information.