Scenario 1
Could save
R50k
1.5% cheaper · finishes 5 months sooner
- Total cost
- R3.59M
- R3.54M
- Paid off
- Apr 2046
Extra monthly
- R100/mofrom Oct 2026
Excludes fees & insurance
Scenario planner
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Loan you're planning
R 1 500 000
Interest
R 2 094 167
Total
R 3 594 167
Term
20 years
Balance over time
Your bond balance over time
CurrentScenario 1
Scenarios
Scenarios
1 of 3 used
Scenario 1
Could save
R50k
1.5% cheaper · finishes 5 months sooner
- Total cost
- R3.59M
- R3.54M
- Paid off
- Sept 2046
- Apr 2046
Extra monthly
- R100/mofrom Oct 2026
Excludes fees & insurance
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Balance over time · all scenarios
Your bond balance over time
Current
Compare all
| Base | ||
|---|---|---|
| Total cost | R 3 594 167 | R 3 538 632 |
| Interest paid | R 2 094 167 | R 2 038 632 |
| Payoff date | Sept 2046 | Apr 2046 |
| Years sooner | — | 5 months |
| Difference vs base | — | R 55 535 |
Amortization
21 years · 235 months · first payment Oct 2026
Year
Changes
Interest
Principal
Total paid
End balance
21 years · 235 months · first payment Oct 2026
Loan total R 3 538 632
Cashflow — Scenario comparison
Generated 12 October 2026
Base loan
| Property value | R 1 700 000 | Principal | R 1 500 000 | LTV | 88% |
| Rate | 10.50% | Term | 20 years | Start | 2026-10 |
| Monthly payment | R 14 975,70 | Total interest | R 2 038 632 | Payoff | April 2046 |
| Extra monthly | R 100 | Lump sums | 0 | Rate changes | 0 |
| Total monthly cost | R 14 976 | Rates / Levies | R 0 | HOC / Life | R 0 |
Year-grouped amortization totals
| Year | Interest | Principal (incl. extras) | Balance end |
|---|---|---|---|
| 1 | R 156 340 | R 24 568 | R 1 475 432 |
| 2 | R 153 632 | R 27 276 | R 1 448 156 |
| 3 | R 150 627 | R 30 282 | R 1 417 874 |
| 4 | R 147 289 | R 33 619 | R 1 384 255 |
| 5 | R 143 584 | R 37 324 | R 1 346 931 |
| 6 | R 139 471 | R 41 437 | R 1 305 493 |
| 7 | R 134 905 | R 46 004 | R 1 259 490 |
| 8 | R 129 835 | R 51 074 | R 1 208 416 |
| 9 | R 124 206 | R 56 702 | R 1 151 714 |
| 10 | R 117 958 | R 62 951 | R 1 088 764 |
| 11 | R 111 020 | R 69 888 | R 1 018 875 |
| 12 | R 103 318 | R 77 590 | R 941 285 |
| 13 | R 94 768 | R 86 141 | R 855 145 |
| 14 | R 85 275 | R 95 634 | R 759 511 |
| 15 | R 74 736 | R 106 173 | R 653 338 |
| 16 | R 63 035 | R 117 873 | R 535 465 |
| 17 | R 50 045 | R 130 864 | R 404 601 |
| 18 | R 35 623 | R 145 285 | R 259 316 |
| 19 | R 19 612 | R 161 296 | R 98 020 |
| 20 | R 3 353 | R 98 020 | R 0 |