Estimate the maximum home loan and purchase price you could afford in South Africa, based on your income, monthly expenses and existing debt.
Banks generally apply two tests: your instalment as a share of gross income (roughly 30%), and your actual monthly surplus after expenses and debt. Whichever gives the lower amount usually sets your limit.
Transfer duty, attorney fees and Deeds Office fees are paid in cash and cannot normally be added to your bond. They come out of your deposit or other available cash, so budget for them separately.
These figures are estimates only and are not an affordability assessment under the National Credit Act. Your bank will make its own assessment.
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