Home Loan Application Gross Monthly Income R Total income before deductions like tax, medical aid, pension etc. If you are married include spouse’s income. Total Expenses R Total expenses and deductions like tax, medical aid, pension etc. If you are married include spouse’s expenses and deductions. Exclude your current rental costs if you will be living in the new property. Interest Rate % Loan Term Y 5 Years 10 Years 15 Years 20 Years 25 Years 30 Years Expenses may not be more than, or equal to Income. Monthly Repayment R 0 Maximum Loan Available R 0 Interest at 0% for 0 years Note: This calculation is based on general lender affordability credit guide-lines of 30% instalment to gross income and on your disposable income. Apply For A Home Loan * The interest rate is by default set to the prime lending rate. Banking institutions may choose to lend to individuals at a rate above or below this prime rate.