Property
Home Affordability Calculator
Just because the bank will lend you a certain amount doesn't mean you should borrow it. This calculator shows both what you qualify for and what you can comfortably manage.
Your financial picture
Before tax
After tax (take-home pay)
Car finance, personal loans, credit cards
Food, transport, utilities, insurance etc.
What the bank may approve
R 934 345
Bond repayment: R 8 500/mo
Based on 30% of gross income rule
What you can comfortably afford
R 726 724
Bond repayment: R 6 250/mo
Based on 25% of gross income rule
Monthly income allocation (net)
Estimated transfer costs for the comfortable price range
Ready to calculate exact bond repayments?
See total interest, amortisation chart, and impact of extra payments.
This calculator provides estimates based on general SA banking criteria. Actual affordability assessments depend on your full financial profile and the bank's lending policies. Insure110 does not provide financial advice.
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