Bond
The monthly bond, and what SARS takes on transfer.
Home loan repayments plus Budget 2026 transfer duty bands. Use it before you call a bank or a conveyancer.
Monthly bond
R 17 470,11
Loan amount
R 1 665 000
Deposit
R 185 000
SARS transfer duty
R 24 786
Interest over the term
R 2 527 827
Total repaid
R 4 192 827
Transfer duty uses the Budget 2026 bands on a sale that is not subject to VAT. The first R1.21 million is free of duty. Attorney fees and bond registration are not included.
Before you use the numbers
Does this include attorney fees?
No. The monthly figure is the loan repayment. Transfer duty is the SARS amount on a sale that is not subject to VAT. Conveyancing and bond registration are extra.
What transfer duty applies in 2026?
There is no transfer duty on the first R1.21 million. Duty then rises on bands up to 13 percent above R13.31 million, on the Budget 2026 table.
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Built by Smart Macmane, a software studio in Bloemfontein. Estimates only. Not SARS, not a bank quote, not advice. See our privacy page.