Bond and transfer calculator

Your monthly repayment, transfer duty and the cash you need to buy.

Purchase price

DepositR200 000

Interest rate %Prime is 10.75% (since 25 September 2026)

Paid over

Monthly repaymentR18 274

Bond amount: R1 800 000
Total interest over 20 years: R2 585 789
Gross income banks usually look for: R60 914 / month

Rule of thumb: repayments of about 30% of gross monthly income.

Cash you need upfront

Deposit: R200 000
Transfer duty (SARS): R33 786
Transfer attorney and Deeds Office (estimate): R46 706
Bond registration (estimate): R43 768
Total upfront: R324 260

Transfer duty uses the current SARS table (no duty up to R1 210 000). Attorney and registration costs are rough estimates including VAT. Ask your conveyancer for an exact quote.

A guide only, not a quote or financial advice. Your bank sets the final rate and amount.