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BondMakers Home Loans

How much is a better rate worth?

Interest rate comparison

Put two bank offers side by side and see what a fraction of a percent is really worth.

Prime 10.75% · 25 September 2026

R
Loan term
%

prime + 0.5%

%

prime − 0.25%

Offer B saves you over the life of the bond

R 183 154

R 763 less every month for 20 years

Offer A · 11.25%

R 15 739/mo

Total interest R 2 277 322

Offer B · 10.50%

R 14 976/mo

Total interest R 2 094 168

Cumulative interest paidOffer B · 10.50%Offer A · 11.25%
R 0R 625kR 1.25mR 1.88mR 2.5mNowYr 2Yr 4Yr 6Yr 8Yr 10Yr 12Yr 14Yr 16Yr 18Yr 20

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