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FNB Loan & Bond Calculator South Africa 2026

Estimate your FNB home loan bond repayment, personal loan instalment, vehicle finance and eBucks rewards at current prime-linked rates. Independent estimate — not an official FNB quote.

✓ Updated with 2026 rates•✓ Free & no sign-up•✓ Instant results

FNB loan, savings & eBucks estimator

Live estimate · prime-linked rates · 2026 · independent, not an FNB quote

R

Loan amount to finance

FNB rates are usually prime-linked

Repayment period

R

Monthly repayment

R19 196

FNB Home Loan · 11.5% over 20 years

Amount
R1 800 000
Monthly repayment
R19 196
Total interest
R2 806 976
Total repayment
R4 606 976
Monthly eBucks
R150
eBucks per year
R1 800

An FNB fnb home loan of R1 800 000 at 11.5% over 20 years works out to an estimated monthly repayment of R19 196.

At the red reward level you could earn about R150 per month in eBucks — roughly R1 800 a year. Actual eBucks depend on your qualifying spend and level.

Independent estimate only. Not affiliated with or endorsed by First National Bank. Figures are not a credit offer — apply through FNB for a personalised quote.

How FNB repayments are estimated

Loan repayments use the standard amortisation formula — the loan amount plus interest spread over equal monthly instalments for the term you choose. Savings and investment products are projected using monthly compounding. Your actual FNB rate is set per applicant and is usually linked to the prime lending rate.

Prime-linked rates

FNB home loans and many personal loans are priced as prime plus or minus a margin, so repayments move when the Reserve Bank changes the repo rate.

What affects your offer

Credit score, income and affordability, existing debt, deposit, term and the current prime rate all shape both approval and your rate.

Loans vs savings

Loans (home, personal, vehicle, student) are amortised; eBucks savings, notice deposits, unit trusts and fixed deposits are projected with compound growth.

eBucks rewards

Reward rate rises with your eBucks level (1%–4%). Earnings shown here are estimates based on qualifying monthly spend.

Indicative FNB rates (2026)

Guideline figures only. Your actual rate depends on your profile and prevailing prime. Confirm current rates with FNB.

Home loans

Around 11.5% — prime-linked variable rate.

eBucks savings

Around 6.25% plus eBucks rewards.

32-day notice deposit

Around 7.5% with 32 days’ notice.

eBucks earn rate

1%–4% based on your account level.

How to apply for an FNB loan

Get a personalised quote

Apply through the FNB app, online banking or a branch. FNB confirms your rate, instalment and approval after an affordability and credit check.

Have your details ready

You will typically need ID, proof of income, recent bank statements and (for a home loan) the property details to get an accurate offer.

Frequently asked questions

Quick answers to the most common questions.

How are FNB home loan repayments estimated?
A home loan repayment is calculated with the standard amortisation formula using the loan amount, the annual interest rate and the term in years. This tool spreads the loan plus interest over equal monthly instalments. Your actual FNB bond repayment depends on the rate FNB offers you, which is typically linked to the prime lending rate.
How are FNB personal loan repayments estimated?
Personal loan instalments use the same amortisation maths over a shorter term (usually 1–7 years) at a higher interest rate than a home loan. Enter the amount, rate and term to see an estimated monthly instalment. The final rate FNB charges is risk-based and set per applicant.
Are FNB interest rates fixed or prime-linked?
Most FNB credit — including home loans and many personal loans — is priced relative to the South African prime lending rate, which moves with the Reserve Bank repo rate. Your rate is quoted as prime plus or minus a margin based on your credit profile, deposit and affordability.
What affects the loan offer I get from FNB?
Your credit score, income and affordability, existing debt, the deposit you put down, the loan term and the current prime rate all affect both whether you are approved and the interest rate you are offered. A stronger credit profile and a larger deposit generally mean a lower rate.
Is this an official FNB quote?
No. This is an independent estimate to help you plan. It is not affiliated with or endorsed by First National Bank, and the figures are not a credit offer. For an accurate quote, apply through FNB via the FNB app, online banking or a branch, where a personalised rate and instalment will be confirmed.

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