Bond and transfer cost calculator
Calculate the total bond registration and property transfer costs on your new home.
The more information you can provide, the more accurate your estimate will be.
Purchase Price
The purchase price of your new home will determine the size of your bond and the transfer costs payable.
Bond/Loan amount
The purchase price will determine the loan amount and therefore the bond costs, as well as the transfer costs, which are payable to the transferring attorneys.
Interest rate
This bond and transfer cost calculator uses the current interest rate, but the rate could change, based on factors like your credit profile and whether you'll be paying a deposit upfront.
Repayment Term
This bond and transfer cost calculator use a term of 20 years (240 months), which is the most common home loan term, but you can change the timelines to see varied results.
Total bond and transfer cost
The cumulative cost of registering your new bond and transfering the property into your name.
Bond registration cost
Fees for the services of registering (bond) attorneys to get your bond registered over the Title Deed of the property.
Bond deeds office fees
Fees published in the Government Gazette and based on the bond amount.
Post, petties, FICA, other fees
Costs incurred during bond registration and transfer, including telephone, postage, courier, administration and bank charges.
Bank initiation fee
Fee charged by the banks to open your home loan account, which is essentially a bank account.
Transfer duty
The government's acquisition tax that you pay to transfer a property into your name. There is no transfer duty on property valued up to R1 million.
Property transfer costs
Not the same as transfer duty, transfer costs cover the transfering of the property into your name, and are payable to the transferring attorneys.
Transfer deeds office fees
The fees for registering a property transfer to your name at the Deeds Office.
