Buying a home? Enter the property price, your deposit, the loan term and an interest rate to estimate your monthly bond repayment, the income you need to qualify, and the once-off costs of buying, like transfer duty and attorney fees.
R
R200 000R10 000 000
R
No depositHome loan: R1 500 00050%
years
5 yearsStandard: 20 years (240 months)30
%
5%20%
R
Paying a little more each month can shorten your loan and save you interest.
Estimated monthly repayment
–
Minimum gross monthly income–
What you pay monthly
- Bond repayment–
- Bank service feeR69.00
- Extra payment–
- Total per month–
What you pay upfront (estimated)
- Deposit–
- Transfer duty (SARS)–
- Transfer attorney costs–
- Bond registration costs–
- Bond initiation fee–
- Total upfront–
This calculator gives an estimate only and is not a home loan offer or quote. Mashonisa is a comparison service and not a credit provider. The default interest rate is the prime lending rate of % (effective 25 September 2026); the rate a bank offers you depends on your credit profile and the property. Transfer duty uses the SARS rates for 2026/27 (no duty on properties up to R1 210 000). Attorney and bond registration costs are approximations of typical conveyancing guideline tariffs including VAT and Deeds Office fees; your conveyancer will confirm the actual amounts. The bond initiation fee (R6 037.50) and monthly service fee (R69) are the maximums allowed under the National Credit Act. Minimum gross income assumes banks allow repayments of up to 30% of gross income. All home loans are subject to approval, affordability checks and the lender's final terms.