Calculator
Bond & Transfer Costs
Calculate all the costs involved in buying a property in South Africa - transfer duty, bond registration, conveyancing fees, and more.
Budget for extras
8-10%
Current Rates: The SARB repo rate is 7.25%
(Prime: 10.75%).
Effective from 25 Sep 2026.
Lower rates mean more affordable bonds!
Property Details
R
R
Loan amount: R 1,800,000
Affects transfer duty threshold for properties under R1.1M
%
Current Prime: 10.75%
Total Once-Off Costs
R 0
Total Cash Required
R 0
Monthly Bond Payment
R 0
Costs as % of Price
0%
Loan Amount
R 0
Cost Breakdown
| Cost Item | Amount |
|---|---|
| Transfer Duty Tax paid to SARS on property purchase | R 0 |
| Transfer Fees (Conveyancer) Attorney fees for property transfer | R 0 |
| Deeds Office Fee Registration at Deeds Office | R 0 |
| Subtotal: Transfer Costs | R 0 |
| Bond Registration Fees Attorney fees for bond registration | R 0 |
| Bond Deeds Office Fee Bond registration at Deeds Office | R 0 |
| Bank Initiation Fee One-time loan setup fee | R 0 |
| Subtotal: Bond Costs | R 0 |
| Post, Petties & FICA Postage, sundries, and compliance | R 0 |
| TOTAL | R 0 |
Interest Rate Forecast Comparison
See how your bond repayment changes as interest rates are expected to decrease. The SARB is targeting 3% inflation, which should bring rates down.
| Scenario | Prime Rate | Monthly Payment | Total Interest | Monthly Saving |
|---|
Good to know: When interest rates drop, your bank usually automatically
reduces your payment. Pro tip: Keep paying the same amount to pay off your bond faster!
SARS Transfer Duty Rates (effective 1 Apr 2025)
| Property Value | Transfer Duty Rate |
|---|---|
| R 0 - R 1,210,000 | 0% |
| R 1,210,001 - R 1,663,800 | 3% of value above R 1,210,000 |
| R 1,663,801 - R 2,329,300 | R 13,614 + 6% of value above R 1,663,800 |
| R 2,329,301 - R 2,994,800 | R 53,544 + 8% of value above R 2,329,300 |
| R 2,994,801 - R 13,310,000 | R 106,784 + 11% of value above R 2,994,800 |
| R 13,310,001+ | R 1,241,456 + 13% of value above R 13,310,000 |
Note: Since 1 March 2016 the same sliding scale applies to all buyers: individuals, companies and trusts alike.
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