Hulpsentrum
Beplan jou syfers met die sakrekenaars hieronder, kry jou vrae beantwoord, en laai dan die app af wanneer jy gereed is om te soek, te toer en te teken.
Werk die maandelikse paaiement uit vir enige verbandbedrag, rentekoers en termyn.
Vind die maksimum verband waarvoor jy kwalifiseer op grond van SA-bankreëls (30 % DTI).
Sien die werklike koste van huur teenoor koop oor 5, 10 of 20 jaar.
Oordragbelasting, transportbesorging en verbandregistrasiefooie op 'n oogopslag.
Wat verhuurders waarskynlik vooraf gaan vra op grond van jou risikoprofiel.
Drukbare SA-intreklys — huurkontrak, nutsdienste, SARS, POPIA.
Deeltitel, FFC, TPN, FICA — definisies in eenvoudige taal.
Topantwoorde oor verifikasie, trustrekening, taalondersteuning en meer.
Blaai deur eiendomslyste, toer virtueel en bestuur deposito's onderweg.
Kan jy nie vind wat jy soek nie? Stuur vir ons 'n boodskap.
Wat sal jou maandelikse paaiement wees? Tik die syfers in en sien die hoofsom-teenoor-rente-verdeling oor jou volle leningstermyn.
Estimate your monthly bond repayment. Based on South African bank level-payment amortisation at current prime rate.
Monthly repayment
R 24 383
Total interest
R 3 602 018
Total paid
R 5 852 018
Principal vs interest over time
Vir hoeveel verband kan jy kwalifiseer? Gebaseer op die 30 %-skuld-tot-inkomste-reël wat SA-banke op huislening-aanslae toepas.
Estimate the maximum bond you’d qualify for based on the 30 % debt-to-income rule South African banks use when assessing home-loan applications.
Maximum bond
R 968 897
Based on a monthly repayment of R 10 500 (30 % of gross minus existing debt).
Your monthly income breakdown
Is koop goedkoper as huur oor die tydperk wat vir jou saak maak? Neem oordragbelasting, verbandpaaiement, huurinflasie, eiendomswaardevermeerdering en die geleentheidskoste van jou deposito in ag. Die gelykbreekjaar verskyn indien/wanneer koop huur verbygaan.
Compare the real cost of renting vs buying over 10 years. Factors in transfer duty + conveyancing + bond registration, annual rental inflation, property appreciation, and the opportunity cost of your deposit if you invested it instead.
Over 10 years
Buying wins by R 1 552 062
Break-even point: buying becomes cheaper than renting from year 1.
Cost of renting
R 2 557 320
net of investment growth on deposit
Cost of buying
R 1 005 258
net of property appreciation + equity
Monthly bond repayment
R 24 383
Up-front buy costs
R 134 700
transfer duty + attorney + bond reg
Budget flag: the monthly bond (R 24 383) + levies (R 2 500) + your existing debt is 66% of gross \u2014 SA banks generally cap this at 30%.
Cumulative cost over time
Eenmalige kontant wat jy by oordrag nodig het — bo en behalwe jou deposito. Gebruik die huidige SARS-oordragbelastingkategorieë plus die Regsgenootskap se transportbesorging- en verbandregistrasieskaal.
One-time costs at transfer — on top of your deposit. Uses SARS 2026 transfer-duty brackets + the Law Society of SA recommended conveyancing + bond registration scale. VAT (15 %) is included on the attorney fees.
Note: Estimates only. Actual fees vary between conveyancers and with property specifics (sectional title, new build, off-plan, etc.). Get a firm quote from your attorney before signing.
Total upfront at transfer
R 124 101
Plus your R250k deposit, payable to the transferring attorney.
Transfer duty (SARS) Progressive SARS brackets | R 67 200 |
Conveyancing (attorney) Law-Society scale + 15 % VAT | R 33 695 |
Bond registration Bond-scale fee + 15 % VAT | R 21 706 |
Deeds Office + admin Searches, FICA, postages | R 1 500 |
Verwagte sekuriteitsdeposito vir SA-huureiendomme. Gebaseer op maandelikse huur, jou risikoprofiel (TPN + krediet) en enige troeteldier- of gemeubileerde-eenheid-byvoegings.
Landlords in SA usually hold 1 – 2.5x monthly rent as a refundable deposit. The exact figure rides on your risk profile (credit + TPN history), plus any pet or furnished add-ons. This is an estimate, not a rule — landlords set their own terms within the Rental Housing Act.
POPIA + Rental Housing Act: Your deposit must be held in an interest-bearing account, and the interest accrues to you. On exit, the landlord has 7 days (no dispute) or 21 days (dispute) to refund. Liivra Pay holds deposits in a registered trust account (via TradeSafe) so this is automatic.
Refundable deposit estimate
R 18 000
1.5x your monthly rent — refundable when you vacate, less any agreed deductions.
Cash needed before move-in
R 31 000
Excludes utility deposits (City of Joburg, eThekwini, etc.) which are usually billed separately by the municipality.
Die SA-noodsaaklikhede vir die eerste 48 uur in 'n nuwe huureiendom — huurkontrak-papierwerk, nutsdiensoordragte, SARS + FICA-opdaterings, POPIA-toestemmingsrekord. Merk af soos jy gaan, druk of stoor as PDF.
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Before you sign — and on the day you sign
Get the lights, water, and internet in your name
Keep SARS, banks, and insurers current
Manage who has your personal data
On the day itself
Disclaimer: General guide for SA residential tenants. Does not replace legal advice. Rental Housing Act + POPIA provisions apply.
Deeltitel, FFC, TPN, FICA — elke akroniem wat jy gaan teëkom wanneer jy in Suid-Afrika huur of koop, in eenvoudige taal.
The SA property world is acronym-heavy. 21terms you’ll run into, plain-language — tap to expand.
Alles oor hoe Liivra werk, gegroepeer volgens onderwerp. Kan jy nie jou vraag vind nie? Stuur vir ons 'n boodskap.
What Liivra is and who it's for.
Step-by-step for common actions on app and web.
Finding the right home, faster.
For landlords, sellers and agents.
360° tours and 3D dollhouses.
Booking and attending in-person viewings.
Applying to rent and tenant vetting.
Making an offer and the path to transfer.
What things cost and how you pay.
How money is held and released.
Verification, reviews, reporting and disputes.
POPIA, data sharing and your rights.
Life. Connected.
Blaai deur geverifieerde listings, stap virtueel deur wonings en beveilig jou volgende huis — elke stap van soek tot getekende huurkontrak, in een sak.
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