What would a bond on ZAR 1,500,000 cost each month?

With a 10% deposit you’d borrow ZAR 1,350,000. At 10.75% over 20 years, the payment is about ZAR 13,706 a month. Your own rate will differ.

What rate does this calculator start with?

The prime lending rate, which was 10.75% on 25 September 2026. It’s a starting point for South Africa, not an offer.

Transfer duty, bond registration, attorneys’ fees, home insurance. Add any regular ones under other monthly costs.

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What would a bond on ZAR 1,500,000 cost each month?: With a 10% deposit you’d borrow ZAR 1,350,000. At 10.75% over 20 years, the payment is about ZAR 13,706 a month. Your own rate will differ.
What rate does this calculator start with?: The prime lending rate, which was 10.75% on 25 September 2026. It’s a starting point for South Africa, not an offer.
What isn’t included?: Transfer duty, bond registration, attorneys’ fees, home insurance. Add any regular ones under other monthly costs.

Most home loans are priced above or below prime and move when it moves, so use the rate on your offer.

Rate dated 25 September 2026. Source: Policy rate of 7.25% (SAnews), plus the usual 3.5 points to prime. This is an estimate, not financial advice.