What Will Your Home REALLY Cost?
Let's find out what this home REALLY costs.
Your income
Defaults are South African examples. Change them to match your situation.
The bond repayment is not the whole monthly cost
Most people plan around the bond and get surprised by everything else. A home in South Africa also carries interest, municipal rates, levies where you're in a complex or estate, home and building insurance, and the maintenance that quietly arrives every year. KOSTE brings all of it into one monthly figure and shows what share of your income it takes.
Don't start with the price. Start with what you're comfortable spending. Then work backwards. So you can plan around your money, not around a listing price.
Two ways to use it
I know the home — enter the property price, deposit, rate and term, and KOSTE calculates the real monthly cost of living in it.
I know my budget — enter what you're comfortable spending each month and KOSTE estimates what property price could fit. KOSTE is not a bank, does not grant approval and does not give official lending affordability — it's an estimate to help you think clearly before you shop.