Costs and tax

Homeowner's, household and bond protection insurance cover different things. See what each pays for, what to check and which your bank may ask for.

The first R3 000 000 of gain on your main home is excluded from capital gains tax. See how the exclusion works, with an example, and when tax applies.

Your bond instalment is only the start. See the monthly costs of owning a home, from rates and levies to insurance and repairs, and how to budget.

Registering a bond costs an attorney's fee, a Deeds Office fee and VAT, and sometimes a bank fee. See what each part is and how to get a clear quote.

The price on the offer is only part of what you pay. See the other costs of buying a home, from transfer duty and attorney fees to moving.

Transfer duty is a tax buyers pay SARS on most home purchases, with nothing due up to R1 210 000. See the bands, examples and when VAT replaces it.