Transfer Cost Calculator

TRANSFER COST CALCULATOR

Calculate your bond registration and property transfer costs.

Purchase price (including VAT)(Required)

Loan amount(Required)

Seller registered for VAT(Required)

Status of purchaser(Required)

Total costs (including VAT)

R 0

Bond registration costs (incl VAT)	R 0
Bond registration cost (incl VAT)	R 0
Bank initiation fee (incl VAT) *	R 0
Deeds office fees	R 0
Post, petties, FICA other fees (incl VAT) ***	R 0
Transfer costs (incl VAT)	R 0
Property transfer costs (incl VAT)	R 0
Transfer duty **	R 0
Deeds office fees	R 0
Post, petties, FICA and other fees (incl VAT) ***	R 0

* This is a once-off bank fee which you have the option of adding to your bond account. Certain lenders may charge a higher amount for juristic entities, e.g. companies and trusts.
** If the seller is a VAT vendor, there will be VAT payable on the purchase price
**** Approximate post & petties as these are property specific and attorneys firm have different charges .

T & Cs apply: This estimation is provided for general information purposes.
Please note this calculator does:

not include an amount for rates & taxes / sectional title levies and other charges that may be property specific;
include a bank initiation fee on your bond, which other calculators may not;

When comparing our calculator results with others, please ensure you are comparing like for like.

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Please Note: The interest rate displayed here is the current, national, prime interest rate, as set by the South African Reserve Bank. The interest rate offered by your bank when applying for a loan may vary.

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TRANSFER COSTS CALCULATOR FAQS

1

What additional costs do I need to consider?

Once your bond has been granted and you have accepted it, you will be expected to pay costs to register the bond and costs to transfer the property. These costs include bond registration fees, conveyancing fees, and other disbursements related to the legal and administrative processes involved in the property transfer.

2

Do I have to pay these costs?

You will always have to pay bond registration costs and attorneys’ charges. If your property costs less than R1 000 000, you will not be required to pay transfer duty. Transfer duty is a tax levied by the government on the sale of a property and is based on the property value. This exemption for properties under R1 000 000 can result in significant savings for buyers.

3

Can I negotiate these costs?

You may be able to negotiate your bond registration and transfer costs with the professionals involved, such as the conveyancer or attorney. However, it’s important to note that transfer duty, which is paid to the South African Revenue Service (SARS), cannot be negotiated. It is a mandatory tax imposed by the government, and the rates are determined by the property value. While negotiation may be possible for certain fees, it’s essential to clarify and agree upon these terms in advance.

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Transfer Cost Calculator