Bond Affordability Calculator — South Africa

Find out how much a SA bank will lend you based on your income, expenses and the current prime rate.

Bond Affordability Calculator

Prime rate: 11.25% · Typical investor rate: prime + 0.5% to prime + 1.5%

Before tax — include all income sources
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After tax and deductions
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Prime = 11.25%. Investors typically pay prime + 0.5–1.5%
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Maximum Bond Amount
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Monthly Repayment
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Max Property Price (90% LTV)
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Minimum Deposit (10%)
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Debt Service Ratio
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Total Interest Over Term

* SA banks typically apply a 30% debt service ratio (bond repayment ÷ gross income). Investor bonds may require 20–30% deposit. This is an estimate — contact ooba or BetterBond for a formal pre-qualification.

Know Your Bond — Now Check Your Yield

Use the Rental Yield Calculator to see if the rental income will cover your bond repayment.

Rental Yield Calculator →