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Transfer Cost Calculator

Calculate your bond registration and property transfer costs.

Total costs (including VAT)
R 0
Bond registration costs (incl VAT)
R 0

Bond registration cost (incl VAT)

R 0

Bank initiation fee (incl VAT) *

R 0

Deeds office fees

R 0

Post, petties, FICA other fees (incl VAT) ***

R 0

Transfer costs (incl VAT)
R 0

Property transfer costs (incl VAT)

R 0

Transfer duty **

R 0

Deeds office fees

R 0

Post, petties, FICA and other fees (incl VAT) ***

R 0


* This is a once-off bank fee which you have the option of adding to your bond account. Certain lenders may charge a higher amount for juristic entities, e.g. companies and trusts.
** If the seller is a VAT vendor, there will be VAT payable on the purchase price
*** Approximation

Terms and conditions apply. Please note that our bond and transfer cost calculator includes the bank initiation fee, which other calculators may not. When comparing our calculator results with others, please ensure you are comparing like for like. Any variations in the results may be due to inclusions or exclusions of some cost items.

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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.

Transfer Costs Calculator FAQs

  • What additional costs do I need to consider?

    Once your bond has been granted and you have accepted it, you will be expected to pay costs to register the bond and costs to transfer the property.

  • Do I have to pay these costs?

    You will always have to pay bond registration costs and attorneys charges. If your property costs less than R1 000 000, you will not be required to pay transfer duty.

  • Can I negotiate these costs?

    You may be able to negotiate your bond registration and transfer costs. Transfer duty is paid to SARS and can’t be negotiated.

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?

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.