South Africa Home Loan Calculator
Free South Africa mortgage payment calculator with country-specific defaults and clear step-by-step results.
About South Africa Home Loan Calculator
Estimates the monthly payment on a home loan from price, down payment, rate and term, plus the lifetime interest cost.
Formula
Formula
M = P × r / (1 − (1 + r)^−n)
Excludes property tax, insurance and fees — see the property-tax calculator for those costs.
Frequently Asked Questions
How does this calculator work?
Estimates the monthly payment on a home loan from price, down payment, rate and term, plus the lifetime interest cost.
Are the figures specific to South Africa?
Knowing the monthly payment and total interest before house-hunting keeps your budget realistic.
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South Africa specifics
- Currency
- R ZARSouth African Rand
- Region
- Africa
- Country code
- ZA
- Amounts look like
- R 1 234 567,89
- Dates look like
- 09 Mar 2026
- Units
- metricWeek starts Sunday
In South Africa, a comma marks the decimal and a full stop groups thousands.
Results on this page are expressed in ZAR (South African Rand). Figures are estimates for general planning — confirm current rates and thresholds with the relevant South Africa authority before relying on them.
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