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Loan up to 100% of the property value or up to 105% if you are a first-time home buyer.
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Back
Bank

Accounts

Bank how and when you choose to, with the low fees or extra benefits you want.

Credit cards

Shop online or instore and earn rewards for it, with up to 55 days interest-free credit.

Digital banking

Enjoy anytime-anywhere banking from your computer, cellphone or tablet.

Switch to Nedbank

See the quick and paperless way to switch your salary or debit orders.

Fraud awareness

Protect yourself against the latest schemes and scams.

Forex

Buy foreign banknotes, transfer funds or shop globally with a travel card.

Rewards

Manage your money like a pro and get rewarded. Epic deals, discounts and more.
Back
Save & Invest

Accounts

Great interest rates, with great flexibility and access to your money when you need it.

Investment services

Access the best in local and international wealth management solutions.

Share trading

Everything you need to trade online, or with the help of an experienced broker.
Back
Borrow

Personal loans

Personalised interest rates for affordable loans from R2,000 to R300,000.

Home loans

Loan up to 100% of the property value or up to 105% if you are a first-time home buyer.

Student loans

Unlock your potential with a full- or part-time student loan from Nedbank.

Overdrafts

Add an overdraft to your account for instant access to credit when you need it.

Vehicle finance

Planning on buying a car? Easily apply for MFC vehicle finance in 5 steps.

Solar finance

Secure affordable renewable energy while helping South Africa shift to green energy.
Back
Insure

Life cover

Up to R2 million life cover to take care of your family when you no longer can.

Funeral cover

Choose a plan for yourself, family or build your own cover to suit your needs.

Short term insurance

Get cover for your car, building, house contents, valuables and more.

Credit Life

Cover your bond, credit card, overdraft, loan and car repayments.

Travel insurance

International travel insurance with free 24-hr emergency assistance.

Is your business covered?

Secure Investments

Choose a plan for yourself, family or build your own cover to suit your needs.
Back
Plan

Financial planning

Take the right steps to achieve your financial goals with expert financial planning.

Estate, wills & trust services

Plan for everything you own and owe, so your estate is in order when you’re gone.

Nedbank Private Wealth

Get the private wealth banking experience with customised solutions and rates.

Speak to a financial adviser

Structure, grow, protect and transfer your wealth with the guidance of an expert.
Back
Learn

Blog

Buying a home, opening a new account or need to save? Let our experts guide you.
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Calculate how much you can afford to spend on a home loan

Calculate how much you can afford to spend on a home loan.
Tell us more about your finances
Total monthly gross income tooltip text
R
Total monthly expenses tooltip text
R
Calculate your monthly expenses
What’s your preferred bond repayment term?

  • 60
  • 120
  • 180
  • 240
  • 300
  • 360
Estimated loan amount tooltip text

R0

Estimated monthly repayments tooltip text

R0

Once-off costs tooltip text

R0

Current interest rate tooltip text

3%

18%

The interest rate is based on the current prime lending rate in South Africa. Please note that your interest rate will be based on factors such as your credit score and the size of your deposit.

See cost breakdown
Get pre-approval

Calculate how much you spend on your monthly expenses
Please add what you spend, where applicable.
Household expenses The total amount you spend on your household upkeep, such as buying groceries, clothing, toiletries, pet food and paying for domestic and gardening services.
R
Utilities The monthly amount you spend to cover things like electricity, water, levies and rates and taxes.
R
Credit and loan repayments The total monthly repayments on your loans, credit cards, vehicle finance and store accounts.
R
Health and insurance The amount you spend on things like life insurance, car and home insurance, funeral policies, gym and medical aid.
R
Entertainment The total amount you spend on things like Netflix, DSTV, takeouts, movies, Showmax and Amazon Prime.
R
Phone and data This is the total amount you spend on phone contracts, data and airtime.
R
Education The amount you spend towards your studies and for paying school fees for you or your kids.
R
Travel This is the total amount you spend on transport, petrol and car repairs/servicing.
R
Additional expense   Remove
Expense type
The amount you spend monthly tooltip text
R
Add additional expense
Total monthly expenditure tooltip text

R0

cond condValue debtBuffer expenseBuffer debtStress expenseStress surplusBuffer
LESS_THAN_EQUAL_TO 10000 0 0 0 0 0.7
LESS_THAN_EQUAL_TO 15000 0 0 0 0 0.7
LESS_THAN_EQUAL_TO 20000 0 0 0 0 0.7
LESS_THAN_EQUAL_TO 25000 0 0 0 0 0.7
LESS_THAN_EQUAL_TO 30000 0 0 0 0 0.7
LESS_THAN_EQUAL_TO 40000 0 0 0 0 0.7
LESS_THAN_EQUAL_TO 45000 0 0 0 0 0.7
LESS_THAN_EQUAL_TO 50000 0 0 0 0 0.7
GREATER_THAN 50000 0 0 0 0 0.7
cond condValue minMFixedAmount minPercentage bandMMinimum
LESS_THAN_EQUAL_TO 800 0 1 0
LESS_THAN_EQUAL_TO 6250 800 0.0675 800.01
LESS_THAN_EQUAL_TO 25000 1541.67 0.09 6250.01
LESS_THAN_EQUAL_TO 50000 3375 0.082 25000.01
GREATER_THAN 50000 5425 0.0675 50000.01

Disclaimer: Although we do our best to give you accurate calculations, they will not be binding on us. Our calculations are only examples of how interest rates and fees can affect your repayments. The 30-year bond term option is subject to credit approval and available only to qualifying clients in line with our lending policies. Our transfer and bond cost calculations are also estimates.