Property Investment: Understanding Mortgage Bond Repayments

Property Investment: Understanding Mortgage Bond Repayments

Subscribe for more FREE property investment advice in South Africa: Youtube: http://youtube.com/@propertycornerza Spotify: https://shorturl.at/horJT Apple Podcasts: https://shorturl.at/alFG7 In today's episode of The Property Corner, Rowan is going to be looking at mortgage bonds. Specifically how mortgage bond repayments are broken down between interest and principle. As well as understanding the process of repaying your bond and what happens if you make additional bond payments to help you understand the repayment schedule better. 0:00 Introduction 1:10 Understanding the repayment schedule & how to work out your potential repayments 2:40 How long are you only paying interest for? 3:39 At what point in your loan are you paying equal amount of interest and capital 4:22 The point where your interest is low and your capital amount is higher 5:27 The effect of paying additional money into your bond over and above your commitment 7:38 Outro Work out your bond repayments yourself https://www.bondgallery.co.za/home-loan-amortization-calculator/ If you're looking to learn more about bonds, we have a full episode tailored for first time home buyers on "Managing and Using Access bonds." If we haven't covered any topics of property investment that you are struggling with, please leave us a comment below so that we can help you on your property investment journey. Find property for sale in Cape Town or explore our property development on our website www.asproperty.co.za #propertyinvestment #realestateinvesting

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Jaksot(90)

Bad Traffic, Not Enough Schools? Responding to Your Northern Suburbs Comments

Bad Traffic, Not Enough Schools? Responding to Your Northern Suburbs Comments

In this episode of The Property Corner, Rowan responds to viewer comments from the “The Economic Transformation of Cape Town’s Northern Suburbs” episode. From traffic congestion and major road upgrade...

25 Elo 14min

PayProp Quarterly Rental Index for Q1 2026: What the Latest Numbers Tell Us

PayProp Quarterly Rental Index for Q1 2026: What the Latest Numbers Tell Us

In this episode, we take a visual walkthrough of the new PayProp Quarterly Rental Index for Q1 2026 and unpack what the latest data tells us about South Africa’s residential rental market.We look at r...

17 Elo 18min

The New Reality of Homeownership in Cape Town

The New Reality of Homeownership in Cape Town

The biggest cost of owning a home isn't always your bond anymore.In this episode of The Property Corner, we explore why today's property buyers need to think beyond the monthly bond repayment. Rising ...

20 Heinä 13min

20-Year vs 30-Year Bond: Which Is the Better Wealth-Building Strategy? | Property Expert Analysis

20-Year vs 30-Year Bond: Which Is the Better Wealth-Building Strategy? | Property Expert Analysis

Is a 30-year home loan really a better financial decision than a 20-year bond?In this episode of The Property Corner, we unpack why choosing a longer bond term could give you greater flexibility, impr...

6 Heinä 7min

The Economic Transformation of Cape Town's Northern Suburbs

The Economic Transformation of Cape Town's Northern Suburbs

Cape Town's northern suburbs have undergone one of the most significant transformations in South Africa's property market over the past two decades.What were once considered dormitory towns feeding co...

22 Kesä 13min

The Middle-Class Property Squeeze: The New Reality for Cape Town Buyers

The Middle-Class Property Squeeze: The New Reality for Cape Town Buyers

Cape Town's property market is booming, but there's a catch: the middle class is being pushed further and further out.In this episode, we unpack why buyers are being priced out of the CBD, how pressur...

17 Kesä 10min

High Court Rules Cape Town Tariffs Unlawful | What This Means for Property Owners

High Court Rules Cape Town Tariffs Unlawful | What This Means for Property Owners

Cape Town property owners may have just experienced one of the most significant municipal legal shifts in recent years. A recent Western Cape High Court ruling has declared parts of the City of Cape T...

8 Kesä 21min

 Interest Rate Mid-Year Reality Check | South African Property Market

Interest Rate Mid-Year Reality Check | South African Property Market

Six months ago, everyone expected continuous interest rate cuts in South Africa. But by mid-2026, the conversation has changed completely. Inflation remains sticky, global geopolitical tensions are cr...

2 Kesä 5min

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