Bond Affordability Calculator

Find out how much you can afford based on your income. See estimated monthly repayments at current interest rates.

Gross Monthly Income (Rands)

Total Monthly Expenses (Rands) Include car payments, credit cards, retail accounts, living costs

Interest Rate (%) Current prime rate: 11.75% (Feb 2026). Your rate depends on your credit profile.

Bond Term (Years)

South African banks use several factors to determine how much they'll lend you:

Debt-to-income ratio: Total debt repayments should ideally be under 30% of gross income
Credit score: A good credit score can get you a better interest rate (prime minus up to 2%)
Deposit: A 10-20% deposit reduces the bond amount and may get you a better rate
Employment stability: At least 3-6 months at current employer
Age: Bond term + your age shouldn't exceed ~75 years

This calculator provides estimates only. For a formal pre-qualification, contact a bond originator like BetterBond or ooba.