🏠 2025 Interest Rates

South Africa Loan Calculator
2025

Calculate your home loan affordability, bond repayments, and deposit requirements with the latest South African interest rates. Make informed property decisions today.

11.5%
Prime Rate
50K+
Happy Buyers
4 Banks
Rate Comparison
Free
Always

🏠 South African Home Loan Calculator

Calculate affordability or loan repayments with 2025 SA interest rates

Home Loan Requirements in SA

Understanding South African home loan requirements will help you prepare for your bond application and increase your approval chances.

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Deposit Required

Typically 10-20% of property value

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Affordability Rules

Max 30% of gross income for repayments

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Credit Score

Minimum 600+ for best rates

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Documentation

Payslips, bank statements, ID

Current SA Bank Rates (2025)

Standard Bank11.25%
ABSA11.50%
FNB11.25%
Nedbank11.75%
Capitec Bank11.95%
African Bank12.25%
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Pro Tips

  • • Shop around - rates vary between banks
  • • Higher deposit = better interest rate
  • • Consider pre-approval for negotiation power
  • • Factor in transfer costs (8-10% of property value)