Free LuxProp Tools
Buy, sell or invest. Know your real numbers.
Calculators built around how South African banks and SARS actually work. No third-party widgets, no hidden fields, no email walls. Run the numbers, then talk to us.
Bond Repayment
Tell us the home, the deposit, and the term. We’ll show you the monthly repayment and what the bond will cost you in total over the life of the loan.
Your inputs
Default is the current prime rate, 10.75% since September 2026. Your rate may be higher or lower depending on your credit profile.
Monthly repayment
R 0
Capital + interest only. Excludes rates, levies and homeowner’s insurance.
Loan amount
R 0
Deposit
R 0
Total repaid over term
R 0
Total interest paid
R 0
If prime moves
What can you afford?
South African banks lend on two tests: 30% of your gross income, and your disposable income after expenses. We run both, show you the binding number, and back-calculate the home price it supports.
Your finances
Optional, but makes the affordability check more accurate.
Rent, groceries, transport, utilities, school fees, lifestyle.
Credit cards, car finance, personal loans, store accounts.
You qualify for a home around
R 0
Indicative only. Final approval depends on the bank’s view of your full credit and employment profile.
Maximum bond
R 0
Indicative monthly repayment
R 0
30% of gross ceiling
R 0
NCA disposable ceiling
R 0
Binding test
–
The extra-payment effect
An extra few thousand a month into your bond often shaves years off the loan and saves you the equivalent of a second deposit in interest. See exactly how much.
Your bond
Even R 1,000 extra a month makes a measurable difference. Try a few numbers.
You’ll pay off your bond
–
earlier than the standard schedule.
Interest saved
R 0
Standard monthly
R 0
Accelerated monthly
R 0
Original payoff
–
New payoff
–
Total paid (standard)
R 0
Total paid (accelerated)
R 0
The full amortisation
Year by year, or month by month: every rand you’ll repay, split between interest and capital, with the running balance. Download the schedule and take it to your bond originator.
Your bond
Monthly repayment
R 0
Total interest
R 0
Total paid
R 0
The real cost of buying
Transfer duty, conveyancing, deeds office, bond registration. Every rand a buyer needs to bring to the table over and above the purchase price, broken down so there are no surprises at the attorney’s desk.
Your purchase
Most buyers in our band finance 80–100% of the purchase price.
If the seller is a registered VAT vendor (i.e. a developer selling new units), VAT is built into the price and SARS transfer duty falls away.
Total upfront costs (excl. deposit)
R 0
Approximately 0% of the purchase price.
Transfer costs
Bond registration costs
Indicative figures. SARS scales reflect the most recent Budget update. Conveyancing fees are an LSSA-recommended approximation. Your attorney’s actual quote may vary by 5–10%. Deeds office fees are gazetted government tariffs.
The offer price, and what you actually keep.
The price on the offer is not the money in your account. Commission, the bond, cancellation, certificates and tax all come off first. Here is what is left.
Your sale
VAT at 15% is added to the commission.
Ask your bank for a settlement figure. Enter 0 if the home is paid off.
The cancellation attorney’s fee. Banks also need 90 days’ notice, or charge a penalty in lieu.
Electrical, gas, electric fence and beetle, as applicable.
The City usually asks for rates and taxes in advance before it issues a clearance certificate.
In your account after transfer
R 0
0% of the offer price.
Indicative only. Capital gains tax is paid to SARS on assessment, not at transfer, unless you are a non-resident seller, in which case a portion is withheld on transfer. We confirm every figure before you sign.
Know the tax before you accept an offer.
Capital gains tax on a property sale, on the 2026/27 SARS figures, including the withholding tax for non-resident sellers.
The seller
The first R3 million of gain on the home you live in is excluded.
The property
Transfer duty and attorney fees when you bought, plus capital improvements you can prove with invoices.
Agent’s commission including VAT, and other costs of the sale.
Likely CGT bill
R 0
An effective 0% of the gain.
Non-resident withholding
Based on the 2026/27 SARS figures: a R3 million primary residence exclusion and a R50 000 annual exclusion for individuals; 40% of the gain included for individuals and 80% for companies and trusts. Non-resident sellers of property above R2 million have 7.5% (individuals), 10% (companies) or 15% (trusts) of the price withheld on transfer, credited against the final tax; a SARS directive can reduce it. Indicative only: your tax practitioner should confirm the final figure.
Will the rent carry the bond?
Thinking of buying to rent out? Test the deal before you sign: whether the tenant covers the bond, what you top up each month, and the equity you build over a decade.
The purchase
Banks usually ask investors for a larger deposit than owner-occupiers.
The rental
Include an allowance for maintenance.
Costs are assumed to rise at the same rate.
Your monthly position, year one
R 0
After the bond, costs, management and vacancy.
Where the rent goes
How hard your money works
The decade view
Indicative only, before income tax on the rental profit. Rent, vacancy, growth and costs are your assumptions; we can give you real rental figures for any home we sell or let.