Bonds, Home Loans, Switches and Further Loans

South African Bond Calculators?

General Home Loan Information

The normal term of a bond or home loan is 20 years, you can opt for a 25 to 30 year bond, but it is not advisable as you will pay a lot more in interest charges. The only real advantage for doing this is that, it does reduce your monthly installments considerably, making it easier for you to get into the property market.

As a single person, the bank will grant you a bond at a monthly installment of 25% of your gross income, and 30% of your joint income.

Example : Single - Gross Income - R 10000.00 - your monthly installment must not exceed R 2500.00 month.

Joint ( you and your spouse ) Gross Income - R 15000.00 - your monthly installment shouldn't exceed R 5000.00 a month.

Almost all the major banks in South Africa offer calculators where you can calculate your bond or mortgage payment and some even offer calculators to see how much you can afford. We suggest you use them to work out what you can afford, before submitting your online application.

ABSA Home Loan Calculators

Nedbank Home Loan Calculator

First National Bank Calculators

Standard Bank Calculators

Discounted Bond Registration

Plus If you make use of our selected transfer attorneys, they will offer you 40% discount on the bond registration costs and their fee on the property transfer.

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