Buy-to-let investors and small landlords in South Africa sizing up a flat or house before making an offer.
Come funziona
- Label the property, for example "Sea Point 2 bed".
- Enter the purchase price and the expected monthly rent.
- Fill in the deposit, the bond rate and term, and what your conveyancer quoted for transfer and bond costs.
- Add levy, rates, insurance and your vacancy and commission assumptions, then read the break-even rent and the rate table.
Cosa ottieni
- Gives you the exact rent at which a South African rental deal breaks even, and how that number moves at prime plus one, two or three points, so a rate hike is a figure you already know rather than a surprise.
Schermata
Dettagli tecnici
Come configurare e usare
- Acquista la licenza — la chiave (lic_...) appare nella pagina dell'ordine e via email.
- Accedi su app.synoriaai.com con la tua chiave di licenza.
- Nessuna installazione — il prodotto gira nel browser, sulla tua istanza isolata.
- 1. Open the calculator and give the property a label (e.g., 'Sea Point 2 bed') so you can find it later.
- 2. Enter the purchase price, expected monthly rent, deposit percentage, current bond rate, and loan term in years.
- 3. Add the transfer costs, monthly levy, municipal rates, insurance, and expected vacancy rate (as a % of rent).
- 4. The tool instantly shows the break-even rent at your entered rate, plus the same deal at prime +1, +2, and +3 points, and the net yield based on your actual cash in.
- 5. Save the property by its label; re-entering the same label updates the saved entry instead of duplicating it.
Domande frequenti
Does the calculator include transfer duty in the costs?
No. Transfer duty is deliberately excluded because the rates are set by legislation and change frequently. You need to enter the transfer cost manually to avoid a stale, wrong number on that big line.
What does 'break-even rent' mean here?
It's the monthly rent at which your total costs (bond repayment, levy, rates, insurance, and vacancy) are exactly covered by rent. Below that, the shortfall comes out of your pocket each month.
Is my saved property data stored securely?
Properties are saved by label only in your browser's local storage. No data is sent to our servers, and you can overwrite or ignore saved entries at any time.
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