For Buyers
Budget properly before you buy. Estimate repayments and transfer-related costs.
Smart. Simple. Sorted.
Buying a home in South Africa
What you’ll typically need
- • SA ID / passport (and co-applicant if applicable)
- • Proof of income (payslips or accountant letter if self-employed)
- • Bank statements (commonly 3–6 months)
- • Proof of address (FICA)
- • Deposit (often improves approval + rate)
- • Credit record matters
How the process usually works
- Offer to Purchase accepted
- Bond application + approval
- Conveyancer appointed (transfer + bond registration)
- Costs paid (duty/fees)
- Deeds Office registration
- Keys + occupation
Note: If the seller is VAT-registered and the sale is a VAT transaction (often developer sales), transfer duty is typically not payable (your conveyancer confirms).
Bond repayment calculator
Purchase price (R)
Deposit (R)
Interest rate (% p.a.)
Term (years)
Estimate only. Your bank rate and fees determine the real figure.
Estimate
Bond amount (principal)
R 1 800 000
Monthly repayment
R 19 507
Total paid over term
R 4 681 615
Total interest
R 2 881 615
Transfer Cost Calculator
Purchase price (including VAT) *
Loan amount *
Type of property ownership *
Seller registered for VAT *
Status of purchaser *
(Loan: R 1 000 000) Ownership/purchaser are captured for future workflow — costs are estimates for now.
Total costs (including VAT)
R 82 373
Bond registration costs (incl VAT)
Bond registration costsR 29 716
Bank initiation feeR 6 038
Deeds office feesR 1 464
Post, petties & FICAR 2 200
R 44 205
Transfer costs (incl VAT)
Property transfer costsR 29 716
Transfer dutyR 0
Deeds office feesR 1 464
Post, petties & FICAR 2 200
R 38 167
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