Latest Educational Guides

Simple educational guides to help South Africans understand loans, bonds, and financial planning.

The Hidden Cost of "Affordable" Car Payments in South Africa
5 September 2025

The Hidden Cost of "Affordable" Car Payments in South Africa

Balloon payments can make any car seem affordable monthly, but what happens when that R80,000 final payment comes due? Calculate the real cost with our vehicle finance calculator.

balloon paymentvehicle financecar loan calculatorsouth africa
How Compound Interest Really Works (With Real Examples)
28 August 2025

How Compound Interest Really Works (With Real Examples)

Understanding compound interest with simple examples and real South African numbers. See how time and consistency can grow your money over decades.

compound interestinvestingsavingssouth africa
Why Banks Love 30-Year Loans (And What You Can Do About It)
22 August 2025

Why Banks Love 30-Year Loans (And What You Can Do About It)

The difference between a 20-year and 30-year bond isn't just a few thousand rand - it's hundreds of thousands. Here's the math behind loan terms that banks don't advertise.

bond extra paymentloan termsinterest calculatorsouth africa
What is the Repo Rate? How It Affects Your Monthly Loan Payments in South Africa
21 August 2025

What is the Repo Rate? How It Affects Your Monthly Loan Payments in South Africa

The repo rate is now 7% in South Africa. Learn what this means for your bond, car loan, and personal loan payments in simple terms.

repo rateinterest ratessouth africaloan payments
How Much House Can You Afford in South Africa?
15 August 2025

How Much House Can You Afford in South Africa?

Find out how much house you can afford in South Africa.

interest ratessouth africaloan paymentsprime rate

Educational Content Only: We're not financial advisors. Always consult qualified professionals for personalized advice.

© 2025 SA Loan Calculator

Free loan repayment calculations for South Africa