How much can I afford to borrow for a bond?

Use our affordability calculator to estimate your qualification amount. Factors include your income, expenses, credit record, and deposit. Banks typically require your monthly bond repayment to be no more than 30% of your gross income.

What is the maximum bond I can get in South Africa?

Banks typically allow 3-4 times your annual gross income, but this varies based on your credit score, deposit, and financial profile. Pre-qualification gives you an accurate assessment.

Homebuyer checking home-loan affordability

Bond Affordability Calculator

Estimate the home-loan amount you may qualify for based on your income and monthly expenses.

Check your bond affordability

Enter your income and expenses to estimate the bond amount you may qualify for.

Gross monthly income *

Net monthly income *

Total monthly expenses *

Net surplus income

Years to repay *

Interest rate *