Free Tool
Bond Affordability Calculator
Find out exactly what you can afford before you start house hunting.
Bond Affordability Calculator
Find out exactly what you can afford
Monthly Repayment
R 14 165
per month
Ready to apply for your bond?
Free service. Bond originators secure you the best rate across 8 banks.
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Get a Property Report →Frequently Asked Questions
What interest rate should I use?
The prime lending rate in South Africa is currently 11.25%. Your bank may offer prime minus 0.25% to 1% depending on your credit profile. Use 11.25% as a baseline.
How much deposit do I need?
Most South African banks require a minimum 10% deposit for first-time buyers. However, a 20%+ deposit typically secures better interest rates.
What is the minimum salary required?
SA banks generally require that your monthly bond repayment does not exceed 30-33% of your gross monthly income. Our calculator shows the minimum salary as repayment × 3.
What is a bond originator?
Bond originators like ooba and BetterBond apply to multiple banks on your behalf to secure the best interest rate. Their service is free. They earn commission from the bank.
How long does bond approval take?
Bond pre-approval typically takes 1-3 business days. Final approval after an offer is accepted usually takes 5-10 business days.