The Real Costs of Buying a Home
Everything you need to budget for when buying your first home in South Africa. No surprises, no hidden costs, just honest numbers.
Before We Start
The costs below are based on current South African rates and regulations. Always get updated quotes from professionals, as fees can vary between banks, attorneys, and municipalities.
Enter the Property Value
This will be used to estimate deposit amounts, transfer duty, bond costs and more.
% per year
Default is prime (10.75%, from 25 September 2026). Change it to the rate on your bank quote.
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