When your home loan is finally paid up, the title deed does not automatically get issued to you; you first have to cancel the home loan with the bank.
Fortunately, a bank does not charge fees for cancelling a bond that is paid up. However, they will assign a cancellation attorney to cancel the bond, and you will have to pay the attorney’s fees.
The legal fees will usually be in the region of R1 200 to R1 500 plus VAT. There will be some additional fees, such as postage and petties, and the deeds office fee, that will take the total up to around R1 700 to R2 000.