Buyers
Many buyers focus on how much the bank will lend instead of what they can comfortably repay. BetterBond’s 2025 data shows the average South African home loan sits just below R1.3 million, with repayments around R13 500 per month at a prime rate of 11.75%.
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The South African Reserve Bank (SARB) is the country’s independent central bank. Its core job is to protect the value of the rand by keeping inflation low and stable, so households and businesses can plan with confidence.
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