Category
Interest ratesTwo loans can advertise the same rate and still cost you thousands of rand apart. Here is how South African lenders actually calculate interest - and how to read a quote before you sign.
Read 5 min
Interest ratesAn amortisation calculator turns a loan quote into a month-by-month plan: what you pay, how much of it is interest, and what a shorter term or a little extra each month would really save you.
Read 7 min
Interest ratesPersonal loan rates in South Africa run from a little above prime to the legal ceiling near 28% a year, and the gap is decided by your credit profile rather than by luck. Here is how lenders build your rate, what the National Credit Act allows them to charge, and how to bring the number down.
Read 8 min
Interest ratesVehicle finance in South Africa is not priced off a national average - it is priced off prime plus a margin, and the margin is the part you can move. This guide sets out the rate bands lenders actually work with, what each extra percentage point costs in rand, and eight ways to bring your own quotation down.
Read 8 min
Interest ratesFixing your bond rate buys certainty, and South African banks charge a premium for it. Here is what a fixed rate actually locks in, what the premium costs on a typical bond, who it genuinely suits - and what happens the day the fixed period ends.
Read 8 min
Interest ratesPersonal loan rates in South Africa are not fixed by the market - they are quoted to you personally, and two lenders looking at the same payslip regularly differ by ten percentage points. This guide explains how the number is built, what the National Credit Act allows a lender to charge, which costs sit outside the interest rate, and how to get a sharper quotation before you sign.
Read 9 min
Interest ratesAlmost every bond in South Africa is priced off the prime lending rate, yet very few homeowners can say where prime comes from or what a quarter-point move does to their instalment. This guide walks through the repo-to-prime chain, the margin the bank adds to you personally, and what to do when the rate moves.
Read 8 min
