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Repayment Calculator

Insert your property purchase price to calculate your total monthly repayment.

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Your monthly repayments
R 0
Total amount repayable
R 0
CHECK CREDIT SCORE

* Terms and conditions apply

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Bond Calculator Transfer Cost Calculator Extra Payments Calculator Deposit Savings Calculator Amortisation Calculator

Please Note: The interest rate displayed here is the current, national, prime interest rate, as set by the South African Reserve Bank. The interest rate offered by your bank when applying for a loan may vary.

Home Loan Repayment Calculator FAQs

  • Will the cost of the house change my monthly repayment amount?

    It stands to reason, the higher the purchase price of your dream property, the more you’ll have to pay towards your bond every month.

  • Do I need a deposit?

    All the banks now offer 100% loans. This means that banks are now willing to approve the full value of a property without requiring a large deposit.

  • Can ooba get me the best interest rate?

    By getting multiple banks to quote, including your own, we can negotiate the best deal on your behalf.

  • Does a 0,25% interest rate cut really make that much difference?

    A rate cut of 0.25% on a R1 million home loan, can save you almost R40 000 over 20 years.

Why you should get pre-approved

ooba’s pre-approval allows you to check your credit score and assess how much you can afford.

  • Shop with confidence

    Knowing your credit score allows you to address any issues before applying for a home loan.

  • Know how much you can afford 

    ooba considers your financial information in the same way a bank would, to give you an accurate assessment of what you can afford.

  • Get the competitive advantage

    Sellers are more likely to accept an offer from someone who has proof that they can afford to buy.

  • Sign a sale agreement with peace of mind

    Pre-approval protects you from putting in an offer on a property you can’t afford. Why risk disappointment?

Getting Pre-approved by ooba

Use our calculators

* Terms and conditions

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.