The bond affordability calculator on this page can help you determine just how much you can afford.

Trying to figure out realistically how much you can spend on a house can be tricky, especially if you are a first-time buyer. Our online home loan and bond repayment calculators make it easy to do proper financial planning; saving you time to keep hunting for the perfect property. 

Note: This calculation is based on general lender affordability credit guide-lines of 30% instalment to gross income and on your disposable income. 

What loan amount do I qualify for?

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Although every effort has been made to ensure the accuracy of our calculators, ooba (Pty) Ltd. and its subsidiaries accept no liability in respect of any errors contained herein. Under no circumstances will ooba (Pty) Ltd and its subsidiaries be liable for any loss or damages whatsoever arising from the use of this calculator.

How loan amounts are calculated

Banks calculate the bond amount you qualify for on about a third of your gross monthly income – in other words, what you get in total before you pay taxes, your medical scheme, pensions and so forth. 

Your nett monthly income, on the other hand, of your pay check after these payroll deductions have been made. If your gross monthly income is R30 000 per month, the banks will let you spend approximately R10 000 per month on a home loan  or bond repayment. 

Remember to fill in the repayment term and interest rate on the bond affordability calculator above. This will give you the exact monthly repayment amount that you comfortable qualify for.

 Any questions? Contact ooba for assistance.



Now that you’ve seen the size of the loan you could get, you can proceed to pre-qualify for a loan

If you wish to negotiate a higher loan option, feel free to contact an ooba expert today.

Hello ooba news

From independent advice to better interest rates (and better results), using a bond originator as your personal home-loan consultant comes with some major perks.

What is a bond originator

Buying your first home can be a very exciting time!

If you’re in the property market, or just considering buying your first home, you should be thinking about these things in 2014 to save you money and to protect your investment. Make one of these resolutions now, and stick to it!


A prequalification certificate will take some of the uncertainty out of the house