🍪
Would you like to allow advertising? Calculators work either way. Ad partners may use cookies and similar technologies.
🇿🇦
South Africa Published Loan Rates
NCA affordability assessment; 20-year terms are typical.
ZAR Active Currency
Launch Calculator →
Lowest Published APR
11.25%
Best rate benchmark currently on record
Market Average APR
14.38%
Mean across tracked lending products
Available Products
4 Benchmarks
Fixed, variable & personal credit
Statutory System
Prime-linked variable rate home loan
Verified statutory framework
South Africa Rate Directory
Click Calculate on any rate to open our loan calculator pre-filled with these exact parameters.
| Lender / Benchmark | Category | Term | Rate (APR) | Type | Effective Date | Calculate |
|---|---|---|---|---|---|---|
|
Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
🏠 Mortgage | 20 Years (240 mo) | 11.25% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
👤 Personal Loan | 3 Years (36 mo) | 17.50% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
South Africa Prime-Linked Home Loan
|
🏠 Mortgage | 20 Years (240 mo) | 11.25% | variable | Active Benchmark | Calculate → |
|
South Africa Personal Loan Average
|
👤 Personal Loan | 3 Years (36 mo) | 17.50% | fixed | Active Benchmark | Calculate → |
🏛️
South Africa Underwriting Guidelines
Statutory Borrowing Rule
National Credit Act: strict affordability assessment and disposable income test
Mortgage System
Prime-linked variable rate home loan
Default Insurance / Guarantee
Standard lender risk provisions apply.
Regulatory Reference