Property Calculator

Calculate bond costs, transfer costs, and affordability for your property investment

Bond & Transfer Costs Calculator

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Calculation Results

Transfer Costs
Transfer Fees: R 0.00
Deeds Office Levy: R 0.00
Transfer Duty: R 0.00
Postage and Petties: R 0.00
Rates/Levy Clearance: R 0.00
Pro-Rata Rates/Levies: R 0.00
Deeds Office Search: R 0.00
Electronic Document Preparation: R 0.00
VAT @ 15%: R 0.00
Transfer Total: R 0.00
Bond Costs
Bond Registration Fees: R 0.00
Deeds Office Levy: R 0.00
Postage and Petties: R 0.00
Bank Electronic Connection Fee: R 0.00
Electronic Document Preparation: R 0.00
VAT @ 15%: R 0.00
Bond Total: R 0.00
GRAND TOTAL: R 0.00

Bond Affordability Calculator

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Affordability Results

Available for Bond Repayment: R 0.00
Maximum Bond Amount: R 0.00

Bond Repayments Calculator

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Repayment Results

Monthly Repayment: R 0.00
Total Amount Payable: R 0.00
Total Interest: R 0.00
Disclaimer: These calculations are only a guide and should not be considered as financial advice. Actual costs may vary. Please consult with a qualified financial advisor or conveyancer for exact calculations. Most banks charge additional administration and initiation fees.

Calculator Glossary

Transfer Cost Terms
Transfer Fees
Legal fees charged by the conveyancer for transferring property ownership from seller to buyer.
Transfer Duty
Government tax paid on property purchases. First-time buyers may be exempt on properties under R1 million.
Deeds Office Levy
Fee paid to the Deeds Office for registering the transfer of property ownership.
Postage and Petties
Administrative costs including postage, courier fees, and other incidental expenses.
Rates/Levy Clearance
Certificate confirming all municipal rates and levies are paid up to date.
Pro-Rata Rates/Levies
Adjustment of municipal rates and levies between buyer and seller based on occupation dates.
Bond Cost Terms
Bond Registration Fees
Legal fees charged by the conveyancer for registering the mortgage bond with the Deeds Office.
Bank Electronic Connection Fee
Fee for electronic communication between the bank and the conveyancer's office.
Electronic Document Preparation
Cost of preparing electronic documents required for bond registration.
FICA (Financial Intelligence Centre Act)
Compliance costs related to anti-money laundering and financial intelligence requirements.
General Terms
VAT (Value Added Tax)
15% tax applied to most professional fees and services.
Sectional Title
Property ownership in a complex where you own your unit and share common areas.
Conventional Title
Full ownership of property and land (freehold title).