Transfer costsR 31 762,25
- Transfer attorney fee incl. VAT
- R 30 216,25
- Transfer duty
- R 0,00
- Deeds Office transfer fee
- R 1 546,00
Income tax calculatorHome loan repayment calculator
What will your home loan really cost?
Estimate your monthly repayment and total interest, then see how an extra monthly payment could shorten your loan.
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Your home loan
Change any amount to update the estimate.
Standard repayment
Monthly repaymentR 9 983,80
- Total monthly repayments
- R 2 396 111,73
- Interest payments
- R 1 396 111,73
Pay it off sooner
Add an extra monthly payment
Even a small regular top-up goes directly towards reducing the outstanding balance.
Buying costs
Estimated transfer and bond costs
Based on a R 1 000 000 purchase price and R 1 000 000 bond.
Estimated totalR 63 524,50
Bond registration costsR 31 762,25
- Bond attorney fee incl. VAT
- R 30 216,25
- Deeds Office bond fee
- R 1 546,00
This estimate excludes bank initiation and valuation fees, electronic and administrative charges, FICA fees, municipal certificates, insurance and other conveyancer disbursements. Actual quotations vary.
i
How this estimate works
Repayments use a standard reducing-balance loan calculation. The annual interest rate is divided by 12, interest is charged monthly, and each payment first covers interest before reducing capital. Extra payments are applied from the first month.
Assumptions used
Updates automatically with your inputs- Interest rate
- 10,5% Fixed for the full term and compounded monthly.
- Repayments
- Monthly Paid at the end of each monthly period.
- Extra payment
- R 100 Added every month from the first repayment.
- Transfer duty
- 2026/2027 SARS rates for property transactions not subject to VAT.
- Attorney fees
- Estimate Workbook tariff bands plus VAT at 15%.
- Deeds Office fees
- 2026 bands Applied separately to transfer and bond registration.
Official references: SARS transfer duty and 2026 Deeds Registries fees.