Bond Affordability

Calculate how much you qualify for and monthly bond repayments. Simulate FNB, ABSA, Standard Bank, Nedbank and Investec calculators.

Bond Affordability Calculator

Gross Monthly Income (R):
Monthly Expenses (R):
Interest Rate (%):
Loan Term (years):

R 0

R 0

Get the lowest interest rate, speak to our originators. Please Note: The interest rate displayed here is the current, national, prime interest rate, as set by the South African Reserve Bank.

What is my gross income?: Your gross monthly income is your total income before tax and deductions.
What is my net income?: Your net monthly income is your total income after tax and deductions.
How is the home loan amount calculated?: Your repayment cannot be more than 30% of your gross monthly income and cannot exceed your net surplus income.
How accurate is the bond calculator?: The bond calculator is a guideline. It does not include a credit check or full affordability assessment which the bank will require. Bond Originators recommends that you get pre-approved before you start house hunting.

Bond Originators' pre-approval allows you to check your credit score and assess how much you can afford.

Shop with confidence: Knowing your credit score allows you to address any issues before applying for a home loan.
Know how much you can afford: Bond Originators considers your financial information in the same way a bank would, to give you an accurate assessment of what you can afford.
Get the competitive advantage: Sellers are more likely to accept an offer from someone who has proof that they can afford to buy.
Sign a sale agreement with peace of mind: Pre-approval protects you from putting in an offer on a property you can't afford. Why risk disappointment?