Home Loan Repayments by Amount, South Africa 2026
Figures current at 19 October 2026. Source: TradeAnswers.
Monthly instalment over 20 years at four rates| Loan amount | 9.75% (prime minus 1) | 10.75% (prime) | 11.75% (prime plus 1) | 12.75% (prime plus 2) |
|---|
| R500,000 | R4,743 | R5,076 | R5,419 | R5,769 |
| R750,000 | R7,114 | R7,614 | R8,128 | R8,654 |
| R1,000,000 | R9,485 | R10,152 | R10,837 | R11,538 |
| R1,250,000 | R11,856 | R12,690 | R13,546 | R14,423 |
| R1,500,000 | R14,228 | R15,228 | R16,256 | R17,307 |
| R1,750,000 | R16,599 | R17,767 | R18,965 | R20,192 |
| R2,000,000 | R18,970 | R20,305 | R21,674 | R23,076 |
| R2,500,000 | R23,713 | R25,381 | R27,093 | R28,845 |
| R3,000,000 | R28,456 | R30,457 | R32,511 | R34,614 |
| R4,000,000 | R37,941 | R40,609 | R43,348 | R46,152 |
| R5,000,000 | R47,426 | R50,761 | R54,185 | R57,691 |
Instalment and total interest by term, at prime (10.75%)| Loan amount | 20 years | 25 years | 30 years | Total interest, 20 yrs | Total interest, 30 yrs |
|---|
| R500,000 | R5,076 | R4,810 | R4,667 | R718,275 | R1,180,266 |
| R750,000 | R7,614 | R7,216 | R7,001 | R1,077,412 | R1,770,400 |
| R1,000,000 | R10,152 | R9,621 | R9,335 | R1,436,549 | R2,360,533 |
| R1,250,000 | R12,690 | R12,026 | R11,669 | R1,795,687 | R2,950,666 |
| R1,500,000 | R15,228 | R14,431 | R14,002 | R2,154,824 | R3,540,799 |
| R1,750,000 | R17,767 | R16,837 | R16,336 | R2,513,962 | R4,130,933 |
| R2,000,000 | R20,305 | R19,242 | R18,670 | R2,873,099 | R4,721,066 |
| R2,500,000 | R25,381 | R24,052 | R23,337 | R3,591,374 | R5,901,332 |
| R3,000,000 | R30,457 | R28,863 | R28,004 | R4,309,648 | R7,081,599 |
| R4,000,000 | R40,609 | R38,484 | R37,339 | R5,746,198 | R9,442,132 |
| R5,000,000 | R50,761 | R48,105 | R46,674 | R7,182,747 | R11,802,665 |
Gross monthly income banks typically require, at prime over 20 years| Loan amount | Instalment at prime | Gross income needed (30% rule) | Gross income needed (25% rule) |
|---|
| R500,000 | R5,076 | R16,920 | R20,305 |
| R750,000 | R7,614 | R25,381 | R30,457 |
| R1,000,000 | R10,152 | R33,841 | R40,609 |
| R1,250,000 | R12,690 | R42,301 | R50,761 |
| R1,500,000 | R15,228 | R50,761 | R60,914 |
| R1,750,000 | R17,767 | R59,222 | R71,066 |
| R2,000,000 | R20,305 | R67,682 | R81,218 |
| R2,500,000 | R25,381 | R84,602 | R101,523 |
| R3,000,000 | R30,457 | R101,523 | R121,827 |
| R4,000,000 | R40,609 | R135,364 | R162,437 |
| R5,000,000 | R50,761 | R169,205 | R203,046 |