what will it really cost?
Put in a price to see the transfer duty, the cash you need before transfer and the monthly bond repayment. It runs in your browser and nothing is sent anywhere.
the transfer duty table.
From the SARS Budget 2026 tax guide, unchanged from April 2025. It applies when no VAT is charged on the sale.
Transfer duty, explained| Purchase price | Transfer duty |
|---|---|
| R0 to R1 210 000 | Nothing |
| R1 210 001 to R1 663 800 | 3% of the amount above R1 210 000 |
| R1 663 801 to R2 329 300 | R13 614 plus 6% of the amount above R1 663 800 |
| R2 329 301 to R2 994 800 | R53 544 plus 8% of the amount above R2 329 300 |
| R2 994 801 to R13 310 000 | R106 784 plus 11% of the amount above R2 994 800 |
| Above R13 310 000 | R1 241 456 plus 13% of the amount above R13 310 000 |
buyers ask
Can transfer duty be added to my bond?
No. Transfer duty is paid in cash before the transfer is registered. The transferring attorney asks you for it early in the process and pays it to SARS on your behalf.
Is there transfer duty on a house under R1.21 million?
No. On the current SARS table there is no transfer duty on the first R1 210 000 of the price.
Why is my bank's rate different from prime?
Banks price each loan on your credit record, income and deposit, so your rate may be above or below prime. Change the rate in the calculator to match your offer.