1. Sale assumptions
Gross selling price
Existing mortgage settlement
Agent commission %
VAT on commission %
2. New property & debts
New property price
New property deposit
Vehicle finance payoff
Credit cards payoff
Transfer/legal fees
Bond registration fees
Target emergency fund
3. Additional once-off costs
Moving, furnishing, repairs, compliance — anything paid once at
settlement.
4. New bond
Interest rate %
Term (years)
Extra monthly bond payment
5. Recurring monthly costs
Levies, rates, insurance, services — added to your monthly
commitment on top of the bond.
The new loan is calculated as new property price minus deposit. The
amortization uses monthly compounding and a standard fixed-payment
formula.
Headline result
Net sale proceeds
R0
Cash left after all planned outflows
R0
Total liquid nest egg
R0
New monthly bond payment
R0
Cash-flow breakdown
The liquid nest egg includes the emergency-fund target plus any unallocated cash surplus. It does not count home equity.
Monthly debt impact
New bond amortization
Loan amount
R0
Total paid over term
R0
Total interest
R0
Payoff with extra
—
| Year | Opening balance | Payments | Interest | Principal | Closing balance |
|---|