Buy a home in six steps

Home Loan Calulators

Use our calculators to get an idea of how much you can borrow, and what your monthly repayments will be over terms up to 20 years. It's also worth seeing if you qualify for a government subsidy or one of our affordable housing options.

The income received on a monthly basis which includes your salary, commission, overtime, investments, rental and pension payments. Select + Additional Income if you have a co-applicant/s
+Add co-applicant’s income
Includes salary deductions, medical aid, taxes, pension payments, loans, bills, insurance and other day-to-day expenses for all applicants
Help with calculating expenses
Loan term of 20 years at an interest rate of 10.25 % | Modify
Purchase Price
Available amount per month
Loan term of 20 years at an interest rate of 10.25 % | Modify
Monthly repayment amount
per month over

Use the slider below to adjust the interest rate.

10.25% (Prime rate) ?
Prime rate is a lending interest rate used by banks. In the past prime was the preferred rate, but in today’s terms some customers can get an interest rate below prime. We will determine your interest rate, based on different criteria.
Monthly repayment
New loan term
Interest savings

Standard Bank provides these calculators for your convenience. All rates and fees used in the calculators are provided as an indication only, and any fees quoted herein are subject to change. These in no way represent a guarantee that we will grant you a loan. While we make every effort to ensure the accuracy of the calculation, we cannot be held liable for inaccuracies.

Note that the monthly repayment is calculated up to a maximum of 30% of your total gross monthly income.

You can get up to 100% of the property’s purchase price. Registering a bond for a higher amount means you can borrow extra later, without registering a second bond.

First-time buyer?

You can get up to 104% for a purchase price of R 1 million or less, and put the extra 4% towards the transfer and bond registration costs.

When viewing properties, check for signs of damp or structural damage, and anything else that will see you spending more money once you’ve moved in.

You might also want to visit for a list of repossessed properties for sale through online auction (transfer duties don’t apply to these properties).

Once you’ve found the home you want, you need to make an offer to buy it.

If your offer is accepted, you’ll need the owner to sign your offer to purchase and give us a copy of it when you apply for a home loan.

You can apply on your own, or as a trust or business, or make a joint application with your spouse or partner.

We’ll be in touch to confirm your home loan and personalised interest rate, and arrange a time for you to come in and sign your home loan contract.

You need building insurance for the duration of your home loan. We can get you quotes online for building, home contents and home loan insurance.

See your insurance options

How to qualify

  • You’re over 18
  • Your single, or joint, gross monthly income is R 3 500 or more
  • Your income is deposited into a bank account

What you’ll need

See our document checklist

What it costs

See our 2017 pricing guide

How to apply

Apply online now if you have a signed offer to purchase
Send us your details in the form below and we’ll call you back
Call us on 0860 500 000 between 8am and 5pm during the week
Visit your nearest branch
Want to apply for a home loan?
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