Standard Bank Bond Calculator
Work out your monthly Standard Bank home-loan repayment at Standard Bank's typical mid-market rate. The slider is pre-filled with 11% (prime + 0.75%) — 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.
Standard Bank typical offer ≈ 11% — Currently prime + 0.75% (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 13 935
on a R 1 350 000 bond over 20 years at 11.00%
Loan amount
R 1 350 000
R 1 500 000 − R 150 000 deposit
Total interest
R 1 994 290
148% of loan
Total repayment
R 3 344 290
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 Standard Bank?
Get a real quote — your actual rate depends on income, deposit, and credit profile.
About The Standard Bank of South Africa
Standard Bank is the largest SA bank by assets and one of the four major home-loan originators. It writes a similar volume of bonds to FNB each quarter and historically dominates higher-end home loans (R3m+).
Standard Bank's MyHome offering targets first-time buyers earning under R26,000/month — it bundles a slightly relaxed affordability assessment with reduced bond-registration fees. If you fit that bracket, applying directly to Standard Bank is often the cheapest option.
What's specific to Standard Bank
- ›MyHome programme targets first-time buyers earning under R26k/month.
- ›Dedicated home-loan consultants for buyers above R3m bond size.
- ›Free property valuation included in the application.
- ›AccessBond facility lets you redraw extra capital payments interest-free.
Typical rate
11%
prime + 0.75%
Typical range
9.75–11.75%
By profile
Provider type
SA bank
Big four / retail bank
Standard Bank bond costs at a glance
Four worked examples at Standard Bank's typical 11% 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% over 20 years
R1.5m home, 10% deposit
11% over 20 years
R2m home, 10% deposit
11% over 20 years
R2.5m home, 20% deposit
11% over 20 years
Standard Bank home loans — frequently asked questions
What rate does Standard Bank charge for home loans?
Standard Bank's mid-market offer to an average buyer with a 10% deposit and stable income is typically prime + 0.5% to prime + 1.0% (10.75–11.25% at today's 10.25% prime). Top-tier applicants — high income, 20%+ deposit, existing Standard Bank private banking — can negotiate down to prime − 0.5% or better. The calculator defaults to prime + 0.75% (11.00%), which mirrors what bond-originator data shows as the modal Standard Bank offer in 2025.
What is Standard Bank's MyHome home loan?
MyHome is Standard Bank's first-time-buyer programme for applicants earning gross monthly income under R26,000 (limit current as of 2024–2026). Benefits: reduced or waived bond-registration fees, a slightly relaxed affordability assessment, and access to free home-buying education modules. The interest rate is generally in line with what other first-time buyers get (around prime + 1%), but the once-off cost saving is meaningful — typically R5,000–R10,000 lower at registration.
Can I get pre-approval from Standard Bank?
Yes, free pre-approval via the Standard Bank app or website. Pre-approval is valid for 90 days and gives you an indicative rate plus an affordability ceiling. Sellers in 2025–2026 increasingly ask buyers for pre-approval before accepting offers, so getting one before house-hunting is no longer optional in most metros.
Does Standard Bank do 105% home loans?
Yes, Standard Bank offers '105% bonds' — where the bank lends 100% of the home price plus an additional 5% to cover bond and transfer costs. Available to qualifying applicants, mostly first-time buyers. The rate is typically 0.5–1.0% higher than a 100% bond would be, because the bank is exposed to negative equity from day one. Worth using only if you genuinely cannot save the once-off costs separately.
How does Standard Bank's AccessBond work?
AccessBond is the equivalent of FNB's flexi-bond facility. Any extra capital you pay into your bond beyond the required monthly instalment can be withdrawn later interest-free — the money sits against your bond balance reducing interest, but remains accessible. Best used as your emergency fund: bond rates (~11%) far exceed savings-account rates (~7%), so parking emergency money in the bond saves more than it earns elsewhere.
Sources: Default rate of 11% reflects Standard Bank'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. Standard Bank does not publish home-loan margins; every offer is individualised. This page is informational only — get a real quote from Standard Bank or a bond originator before making any decision. Not financial advice.