Affordability
How much you can borrow on your income, using the SA bank 30% rule.
30% affordability rule · Prime 10.50% · Updated May 2026
You may qualify for up to
R 1 001 623
Estimate only. Final approval depends on the lender's own affordability assessment.
Max monthly payment
R 10 000,00
Disposable income
R 10 000,00
Income ratio
20%
Next, check:
Affordability
R 1 001 623
Estimate only · final approval is the lender's call
Max/month
R 10 000,00
Disposable
R 10 000,00
Income ratio
20%
Next, check:
What moves this number
Income
An extra R 5 000/month of gross income unlocks about R 150 243 more bond.
SA banks size repayment at roughly 30% of gross monthly income.
Existing debts
Clearing R 1 000/month of debt frees up about R 100 162 in bond room.
Banks subtract existing instalments before applying 30%.
Rate
A lower rate raises what you qualify for, because a smaller slice goes to interest each month.
Most SA home loans sit at prime ±1.5%.
This calculator is for illustrative purposes only and does not constitute financial advice.