How much will my bond repayments be? Calculate your monthly home loan repayments, bond affordability and total interest with the latest 2026 SA interest rates. Find out how much you can afford.
Calculate bond affordability and monthly repayments
Typically 10-20% of property price
Current prime rate: 11.75% (Dec 2024)
Standard: 20 years
Monthly bond repayments depend on the loan amount, interest rate and term. South African banks use the prime lending rate as the base rate. Use our bond calculator above to get your exact monthly repayment amount instantly.
Property price minus deposit (typically 10-20%)
Prime rate ±2% based on credit score (11.75% current prime)
20-30 years standard (shorter term = less interest)
Fixed payment covering principal + interest
Banks typically allow up to 30% of gross income for bond repayment
Total debt payments (bond + loans) should be below 40% of gross income
650+ recommended for prime rates, 700+ for best rates
10-20% minimum, larger deposit = better interest rate
Prime -0.5% to Prime
11.25% - 11.75%
Best rates, large deposit, stable income
Prime to Prime +1%
11.75% - 12.75%
Standard rates, 10% deposit
Prime +1% to Prime +2%
12.75% - 13.75%
Higher risk, may need 20% deposit
Current Prime Rate: 11.75% (December 2024). The SARB repo rate is 7.75%. Prime rate = repo rate + 4%. Rates subject to change based on SARB Monetary Policy Committee decisions.
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