Enter your details below to get an estimate of what your total monthly repayment on your loan will be.

## Calculators

As a home buyer you don’t really know how much you will be paying towards your bond. The bond calculator is one of the tools you can use to determine how much you can afford to pay towards to your monthly mortgage.

The use of these tools and calculators is subject to the following disclaimer.

**Repayment Term**

**Total Interest**

Use the calculator below to determine the maximum home loan or Bond you may qualify for based on your monthly income.

## Bond Affordability Calculator

Before looking for your home, it benefits you to know what you can afford. Our affordability calculator is designed to calculate the maximum home loan or bond you may qualify for based on your monthly income. Read more…

The use of these tools and calculators is subject to the following disclaimer.

**Repayment Term**

**Total Interest**

Enter your details below to determine your monthly repayment.

## Bond Repayment

Calculate what your monthly bond or mortgage installment will be on your dream home. Our bond repayment calculator is designed to calculate what you will be paying monthly based on various factors. Read more…

The use of these tools and calculators is subject to the following disclaimer.

**Repayment Term**

**Total Interest**

**Total Savings**

Use our transfer/bond calculator to see what the financial impact of these costs will be when you are approved for a new home loan.

## Bond and Transfer Cost

Buying a home can be an expensive process, it is important to also take the transfer and bond costs into consideration when taking up a new home loan. Use our transfer/bond calculator to see what the financial impact of these costs will have when you’re approved for a new home loan. Read more…

The use of these tools and calculators is subject to the following disclaimer.

Repayment | |
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Loan Term: | |

Minimum gross monthly Income: | |

Monthly Repayment: | |

Interest Payment: | |

Total Loan Repayment: |

DETAILED TRANSFER FEES | |
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Transfer Cost(Incl Vat): | |

Deeds Office Fees: | |

Postage and petties: | |

Transfer Duty: |

DETAILED BOND FEES | |
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Bond Registration Fees(Incl Vat): | |

Deeds Office Fees: | |

Postage and petties: |

Use the table below to help you determine what your Personal Loan’s monthly repayment rates will be.

## Personal Loan Table

LOAN AMOUNT | 24 MONTHS | TOTAL AMOUNT REPAYABLE | 36 MONTHS | TOTAL AMOUNT REPAYABLE | 48 MONTHS | TOTAL AMOUNT REPAYABLE | 60 MONTHS | TOTAL AMOUNT REPAYABLE | 72 MONTHS | TOTAL AMOUNT REPAYABLE |
---|---|---|---|---|---|---|---|---|---|---|

R 5,000 | R 402 | R 9,638 | R 326 | R 11,725 | R 289 | R 13,880 | R 268 | R 16,099 | R 0 | R 0 |

R 20,000 | R 1,327 | R 31,854 | R 1,041 | R 37,461 | R 903 | R 43,322 | R 824 | R 49,426 | R 774 | R 55,757 |

R 40,000 | R 2,515 | R 60,361 | R 1,958 | R 70,482 | R 1,690 | R 81,100 | R 1,536 | R 92,189 | R 1,441 | R 103,719 |

R 60,000 | R 3,703 | R 88,867 | R 2,875 | R 103,504 | R 2,477 | R 118,878 | R 2,249 | R 134,952 | R 2,107 | R 151,681 |

R 80,000 | R 4,891 | R 117,374 | R 3,792 | R 136,526 | R 3,264 | R 156,656 | R 2,962 | R 177,715 | R 2,773 | R 199,642 |

R 100,000 | R 6,078 | R 145,880 | R 4,710 | R 169,548 | R 4,051 | R 194,435 | R 3,675 | R 220,478 | R 3,439 | R 247,604 |

R 120,000 | R 7,266 | R 174,387 | R 5,627 | R 202,569 | R 4,838 | R 232,213 | R 4,387 | R 263,241 | R 4,105 | R 295,566 |

R 140,000 | R 8,454 | R 202,893 | R 6,544 | R 235,591 | R 5,625 | R 269,991 | R 5,100 | R 306,004 | R 4,771 | R 343,528 |

R 150,000 | R 9,048 | R 217,146 | R 7,003 | R 252,102 | R 6,018 | R 288,880 | R 5,456 | R 327,386 | R 5,104 | R 367,509 |

Loans are subject to the National Credit Act No. 34 of 2005. All loan applications are considered and are subject to credit approval. The interest rates with regard to a DirectAxis Personal Loan vary between 23.5%* and 32%* per annum (compounded monthly). All loans include a once-off initiation fee of up to R1140* and a monthly service fee of R57*. Your rate and initiation fee will be determined according to your personal risk profile. For illustration purposes, the figures in this table are calculated at an interest rate of 26% per annum. The repayments indicated also include a monthly premium for the Personal Protection Plan of R3.95* per thousand of your loan or part thereof. Rates and fees are current as at 3 February 2014 and are subject to change at the discretion of DirectAxis.