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    Spence Attorneys

    Bond Calculators

    Plan your home purchase with our comprehensive bond tools

    Interest rate as at 18 January 2026: Prime lending rate 10.25% (Repo rate 6.75% + 3.5%)

    Source: South African Reserve Bank. Your actual rate may differ based on your credit profile.

    Your Financial Details
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    Your total monthly salary before deductions

    R

    Car payments, credit cards, loans, etc.

    R

    A deposit can increase your buying power

    5%Prime: 10.25%18%

    What You Can Afford

    Enter your income to see what you can afford

    How we calculate: Banks typically allow bond repayments up to 30% of your gross income. We also consider your existing expenses to give you a more realistic estimate.

    Individual bank criteria may vary. This is an estimate only.

    Disclaimer: These calculators provide estimates only and are for informational purposes. Actual loan amounts and repayments depend on your credit profile, the bank's assessment, and prevailing rates. Please contact us or your bank for a formal quotation.