For information only — not investment, financial, or tax advice. This calculator estimates results based on the inputs you provide. It does not constitute professional advice and infoz.com is not a CPA, EA, attorney, or registered investment adviser. Tax laws change. Individual circumstances vary. Consult a qualified professional licensed in your jurisdiction before making any financial decision.
South African home loans are typically prime-rate-linked; current SARB prime ~11.0%. 100% LTV (no deposit) bonds available for qualifying borrowers but most lenders prefer 10% deposit. Transfer duty waived on properties below R1.1M.
Typical fixed-rate band
11.00–12.50%
2026 headline range
Typical floating / variable
10.75–12.00%
Tracker / SVR / EBLR / EIBOR / SORA…
Max LTV
100%
Typical deposit 10%
Typical term
30 yrs
Rare — most lenders waive
Pre-populated with the median fixed rate, typical deposit %, and typical term from ZA lenders. Override any input. Stamp / transfer / property tax not modeled — see the sources block below for binding affordability rules.
Loan amount
ZAR 1,800,000
LTV 90.00%
Monthly P&I
ZAR 18,169
30y at 11.75%
Total interest
ZAR 4,740,975
Total cost ZAR 6,540,975
Stamp / transfer / property tax differs widely by jurisdiction and is not modeled here. See the country's sources block below for the binding rules.
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What this calculator does NOT cover:
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Last reviewed
April 28, 2026
Reviewed by
infoz Editorial Team — Editor, Web Publishing Corp
ZA mortgage market — typical rate bands and structural quirks compiled from each country's central-bank statistical release for 2026.
Numbers, schedules, and source citations on this page are checked against primary sources during each review cycle. Spot something outdated or wrong? Report an inaccuracy — we triage every report within 7 days.