Capitec Bond Calculator
Work out your monthly Capitec home-loan repayment at Capitec's typical mid-market rate. The slider is pre-filled with 11.25% (prime + 1%) — adjust to model your own offer or compare scenarios. SA prime is 10.25% as of May 2026.
Purchase price of the property — what the deed of sale says.
10% of home price · 10–20% is the SA norm.
Capitec typical offer ≈ 11.25% — Currently prime + 1% (SA prime is 10.25%, May 2026). Banks typically offer prime − 0.5% to prime + 1.5%.
20 years is the SA default. Longer term = lower monthly, far more interest paid over time.
Monthly bond repayment
R 14 165
on a R 1 350 000 bond over 20 years at 11.25%
Loan amount
R 1 350 000
R 1 500 000 − R 150 000 deposit
Total interest
R 2 049 589
152% of loan
Total repayment
R 3 399 589
over 240 months
Outstanding balance over time
Repayment uses the standard amortisation formula. Most SA bonds are variable-rate — your actual instalment will rise or fall when SARB changes the repo rate. This calculator does not include monthly bond admin fees (~R69/mo at most banks) or once-off bond initiation costs (~R6,000) — see the affordability calculator to find your maximum bond before you start house-hunting.
Ready to apply with Capitec?
Get a real quote — your actual rate depends on income, deposit, and credit profile.
About Capitec Bank
Capitec is South Africa's largest retail bank by client numbers but only entered the home-loan market in 2022, via a partnership with specialist lender SA Home Loans. Capitec markets and originates the loan, SA Home Loans funds and services it, and the rate is set jointly.
Capitec's position: simpler, faster, more digital application — the trade-off is that for thin-credit applicants the rate offered tends to skew slightly above what a big-four bank would offer the same applicant. For straightforward applicants with strong profiles, Capitec is competitive with FNB/Standard/Absa/Nedbank.
What's specific to Capitec
- ›Application is fully digital via the Capitec app — no branch visit required.
- ›Funded and serviced by SA Home Loans (specialist non-bank lender).
- ›Rate offers tend to be more conservative than the big four for borderline applicants.
- ›Existing Capitec clients with active transaction history get the best rates.
Typical rate
11.25%
prime + 1%
Typical range
10.25–12.25%
By profile
Provider type
SA bank
Big four / retail bank
Capitec bond costs at a glance
Four worked examples at Capitec's typical 11.25% rate over a 20-year term. Type the same numbers into the calculator above to verify or change the term.
R1m home, 10% deposit
11.25% over 20 years
R1.5m home, 10% deposit
11.25% over 20 years
R2m home, 10% deposit
11.25% over 20 years
R2.5m home, 20% deposit
11.25% over 20 years
Capitec home loans — frequently asked questions
Does Capitec offer home loans?
Yes, Capitec entered the SA home-loan market in 2022 in partnership with SA Home Loans. Capitec markets the product, runs the application, and is your primary point of contact, while SA Home Loans funds and services the loan. From a borrower's perspective it works like any other home loan — monthly debit order, online statements, access bond facility — just routed through SA Home Loans' servicing platform.
What rate does Capitec offer on home loans?
Capitec's typical home-loan rate runs prime + 0.5% to prime + 1.5% (10.75–11.75% at today's prime). The skew toward the higher end of that range, vs. the big four, is partly because Capitec attracts a younger and lower-deposit applicant base on average. Strong applicants with 20%+ deposits and active Capitec banking can get rates competitive with the big four. The calculator defaults to prime + 1.0% (11.25%), which reflects the modal Capitec offer.
Can I get a 100% home loan from Capitec?
Yes, Capitec offers up to 100% home loans for qualifying applicants. Expect the rate to be higher than for an applicant with a deposit — typically by 0.5% — because the bank takes more risk on a zero-deposit loan. If you can save even 5%, the rate improvement is usually worth more than the savings interest on the deposit money.
How is Capitec different from applying through SA Home Loans directly?
Same underlying loan, different front door. Applying via Capitec gets you the digital app experience and integrates the home loan with your Capitec banking. Applying via SA Home Loans direct gives you specialist home-loan staff but no banking integration. The interest rate is similar through either channel because pricing is set jointly. Most existing Capitec clients prefer the Capitec route for the in-app convenience.
How long does Capitec take to approve a home loan?
Pre-qualification via the Capitec app is fast — typically minutes. Formal approval after offer-to-purchase takes 5–10 working days, similar to other SA lenders. The bond-registration timeline at the deeds office (8–14 weeks) is the same across all banks because it's determined by the conveyancing attorneys and the deeds-office turnaround, not the bank.
Sources: Default rate of 11.25% reflects Capitec's typical mid-market offer based on Ooba and BetterBond quarterly home-loan statistics through 2024–2025. SA prime rate (10.25%) and repo rate (6.75%) sourced from SARB. Calculator uses the standard amortisation formula. Capitec does not publish home-loan margins; every offer is individualised. This page is informational only — get a real quote from Capitec or a bond originator before making any decision. Not financial advice.