{"id":160,"date":"2026-11-06T08:24:59","date_gmt":"2026-11-06T08:24:59","guid":{"rendered":"https:\/\/pickup-namibia.com\/blog\/?page_id=160"},"modified":"2026-11-06T08:49:31","modified_gmt":"2026-11-06T08:49:31","slug":"namibia-home-loan-repayment-calculator","status":"publish","type":"page","link":"https:\/\/pickup-namibia.com\/blog\/namibia-home-loan-repayment-calculator\/","title":{"rendered":"Namibia Home Loan Repayment Calculator"},"content":{"rendered":"\n<!-- Pickup Namibia Home loan Calculator -->\n<style>\n#ln-root{--g9:#052e1c;--g8:#064e2f;--g6:#059669;--g5:#10b981;--g1:#d1fae5;--g0:#ecfdf5;--sand:#f5e9cf;--ink:#0f1f17;--mute:#4b5d54;--line:#d5e3db;\nwidth:100vw!important;max-width:none!important;position:relative;margin-left:calc(50% - 50vw)!important;margin-right:0!important;box-sizing:border-box;overflow-x:hidden;\nfont:400 17px\/1.65 system-ui,-apple-system,\"Segoe 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1fr}.ln-sum{grid-template-columns:repeat(3,1fr)}.ln-s.big{grid-column:1\/-1}.ln-card{padding:30px 28px}}\n@media(min-width:960px){.ln-sec{padding:80px 0}.ln-hero{padding:80px 0 72px}.ln-grid{grid-template-columns:400px 1fr;gap:32px}.ln-form{position:sticky;top:96px}}\n@media(prefers-reduced-motion:reduce){#ln-root *{transition:none!important}}\n<\/style>\n\n<div id=\"ln-root\">\n\n  <header class=\"ln-hero\">\n    <div class=\"ln-c\">\n      <h1>Namibia Home Loan Repayment Calculator<\/h1>\n      <p>See your monthly bond repayment, the total interest over the life of the loan and how extra payments can save you years. Enter the price, your deposit, the interest rate and the term.<\/p>\n    <\/div>\n  <\/header>\n\n  <section class=\"ln-sec\">\n    <div class=\"ln-c ln-grid\">\n\n      <form class=\"ln-card ln-form\" id=\"ln-form\" onsubmit=\"return false\">\n        <h2>Your loan<\/h2>\n        <p>Enter your figures and the result updates as you type.<\/p>\n        <div class=\"ln-f\"><label for=\"ln-price\">Property price<\/label><div class=\"ln-in\"><span>N$<\/span><input id=\"ln-price\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"e.g. 1 200 000\"><\/div><\/div><div class=\"ln-f\"><label for=\"ln-dep\">Deposit<\/label><div class=\"ln-in\"><span>N$<\/span><input id=\"ln-dep\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"0.00\"><\/div><small>The amount you pay upfront.<\/small><\/div><div class=\"ln-2\"><div class=\"ln-f\"><label for=\"ln-rate\">Interest rate<\/label><div class=\"ln-in\"><input id=\"ln-rate\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\"><span>% p.a.<\/span><\/div><\/div><div class=\"ln-f\"><label for=\"ln-term\">Loan term<\/label><select id=\"ln-term\" class=\"ln-sel\"><option value=\"5\">5 years<\/option><option value=\"10\">10 years<\/option><option value=\"15\">15 years<\/option><option value=\"20\" selected=\"\">20 years<\/option><option value=\"25\">25 years<\/option><option value=\"30\">30 years<\/option><\/select><\/div><\/div><div class=\"ln-f\" style=\"margin-top:-8px\"><small id=\"ln-pnote\"><\/small><button type=\"button\" class=\"ln-link\" id=\"ln-prime\">Use the prime rate<\/button><\/div><div class=\"ln-f\"><label for=\"ln-extra\">Extra monthly payment (optional)<\/label><div class=\"ln-in\"><span>N$<\/span><input id=\"ln-extra\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"0.00\"><\/div><small>See how much interest and time you save.<\/small><\/div><div class=\"ln-f\"><label for=\"ln-costs\">Other monthly costs (optional)<\/label><div class=\"ln-in\"><span>N$<\/span><input id=\"ln-costs\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"0.00\"><\/div><small>For example insurance, rates and taxes. Added to your monthly total.<\/small><\/div><input type=\"hidden\" id=\"ln-balloon\"><input type=\"hidden\" id=\"ln-init\"><input type=\"hidden\" id=\"ln-svc\">\n        <div class=\"ln-acts\">\n          <button type=\"button\" class=\"ln-btn ln-b1\" id=\"ln-go\">Calculate<\/button>\n          <button type=\"button\" class=\"ln-btn ln-b2\" id=\"ln-reset\">Reset<\/button>\n        <\/div>\n      <\/form>\n\n      <div class=\"ln-card\" id=\"ln-res\" aria-live=\"polite\">\n        <h2>Your bond repayment<\/h2>\n        <p>Estimates based on the rate and term you entered.<\/p>\n        <div class=\"ln-sum\">\n          <div class=\"ln-s big\"><small>Monthly repayment<\/small><b id=\"o-monthly\">N$ 0.00<\/b><em id=\"o-sub\">Monthly repayment<\/em><\/div>\n          <div class=\"ln-s\"><small>Loan amount<\/small><b id=\"o-loan\">N$ 0<\/b><\/div><div class=\"ln-s\"><small>Total interest<\/small><b id=\"o-int\">N$ 0<\/b><\/div><div class=\"ln-s\"><small>Total repaid to the bank<\/small><b id=\"o-rep\">N$ 0<\/b><\/div><div class=\"ln-s\"><small>Total cost incl. deposit<\/small><b id=\"o-cost\">N$ 0<\/b><\/div>\n        <\/div>\n        <div class=\"ln-ins\" id=\"ln-ins\"><\/div>\n\n        <div class=\"ln-h3\">What if the interest rate changes?<\/div>\n        <div class=\"ln-scroll\"><table class=\"ln-tb\"><thead><tr><th>Interest rate<\/th><th>Monthly repayment<\/th><th>Total interest<\/th><\/tr><\/thead><tbody id=\"ln-sens\"><\/tbody><\/table><\/div>\n\n        <details class=\"y\"><summary>See the yearly repayment schedule<\/summary>\n          <div class=\"ln-scroll\"><table class=\"ln-tb\"><thead><tr><th>Year<\/th><th>Loan repaid<\/th><th>Interest paid<\/th><th>Balance left<\/th><\/tr><\/thead><tbody id=\"ln-years\"><\/tbody><\/table><\/div>\n        <\/details>\n        \n      <\/div>\n    <\/div>\n  <\/section>\n\n  <section class=\"ln-sec ln-alt\">\n    <div class=\"ln-c\">\n      <div class=\"ln-h\"><h2>How it works<\/h2><p>The basics behind your result.<\/p><\/div>\n      <div class=\"ln-two\"><div class=\"ln-box\"><h3>Monthly repayment<\/h3><p>We spread the loan over your term at the interest rate you enter, using the standard loan formula. Early payments are mostly interest, and more of each payment goes to the loan as the years pass.<\/p><\/div><div class=\"ln-box\"><h3>Extra payments<\/h3><p>Paying a little extra each month goes straight to the loan balance. This reduces the interest charged every month after that and shortens the loan.<\/p><\/div><div class=\"ln-box\"><h3>Interest rate changes<\/h3><p>Most home loans follow the prime lending rate, so your repayment can go up or down. The table below your result shows how a change of one or two percentage points affects you.<\/p><\/div><div class=\"ln-box\"><h3>Interest rate<\/h3><p>This page starts with the prime lending rate: 10.50% after the Bank of Namibia\u2019s 28 October 2026 decision. Rates change, so enter the rate your bank offers.<\/p><\/div><\/div>\n    <\/div>\n  <\/section>\n\n  <section class=\"ln-sec\">\n    <div class=\"ln-c\">\n      <div class=\"ln-h\"><h2>Common questions<\/h2><\/div>\n      <div class=\"ln-faq\"><details><summary>How is my monthly repayment calculated?<\/summary><p>It is based on the loan amount, the interest rate and the number of months. Each month you pay the interest owed plus part of the loan, and the payment stays the same while the rate stays the same.<\/p><\/details><details><summary>What if interest rates change?<\/summary><p>If your loan is linked to the prime rate, your repayment changes when the rate does. Use the table under your result to see the effect of the rate going up or down.<\/p><\/details><details><summary>How do extra payments help?<\/summary><p>Extra money goes towards the loan itself, so you owe less interest afterwards. Even a small extra amount each month can save years and a lot of interest. Check with your bank that there are no penalties.<\/p><\/details><details><summary>What other costs come with buying a home?<\/summary><p>Besides the deposit and monthly repayment, you may pay transfer duty, bond registration and attorney fees, insurance, and rates and taxes. Ask your bank and your conveyancer for a full list.<\/p><\/details><details><summary>How much can I afford?<\/summary><p>Lenders look at your income and your other debts. As a general guide, many prefer the bond repayment to be no more than about 30% of gross monthly income. Your bank will assess your own situation.<\/p><\/details><\/div>\n    <\/div>\n  <\/section>\n\n  <section class=\"ln-sec\" style=\"padding-top:0\">\n    <div class=\"ln-c\"><div class=\"ln-disc\"><b>Please note:<\/b> results are estimates for general information only and are not financial advice or a loan offer. Your bank\u2019s quote may differ because of fees, insurance and how it calculates interest. Speak to your bank before you borrow.<\/div><\/div>\n  <\/section>\n\n  <section class=\"ln-final\">\n    <div class=\"ln-c\">\n      <h2>Need a ride to view your next home?<\/h2>\n      <p>Book a seat between towns with a verified driver on PickUp Namibia, or share your empty seats and help cover your fuel.<\/p>\n      <a href=\"https:\/\/pickup-namibia.com\/register\" class=\"ln-btn\">Create your account<\/a>\n      <a href=\"https:\/\/pickup-namibia.com\/blog\/services\/\" class=\"ln-btn\">How it works<\/a>\n    <\/div>\n  <\/section>\n\n<\/div>\n<script>\n(function(){\n  var TYPE='home';\n  \/* ----- UPDATE when the prime lending rate changes ----- *\/\n  var PRIME=10.5;\n  var PRIME_NOTE='the prime lending rate after the Bank of Namibia\u2019s 28 October 2026 decision';\n\n  function $(id){return document.getElementById(id)}\n  function v(id){var e=$(id);if(!e)return 0;var x=parseFloat(String(e.value).replace(',','.').replace(\/[^0-9.]\/g,''));return isNaN(x)?0:x}\n  function fmt(n,d){var s=(Math.round(n*Math.pow(10,d))\/Math.pow(10,d)).toFixed(d).split('.');s[0]=s[0].replace(\/\\B(?=(\\d{3})+(?!\\d))\/g,' ');return s.join('.')}\n  function m2(n){return 'N$ '+fmt(n,2)}\n  function m0(n){return 'N$ '+fmt(n,0)}\n  function set(id,t){var e=$(id);if(e)e.textContent=t}\n  function pc(n){return (Math.round(n*100)\/100)+'%'}\n  function pmt(P,r,n,B){if(n<=0||P<=0)return 0;if(r===0)return (P-B)\/n;var f=Math.pow(1+r,-n);return (P-B*f)*r\/(1-f)}\n  function dur(m){var y=Math.floor(m\/12),mo=m%12,t=[];if(y)t.push(y+(y===1?' year':' years'));if(mo)t.push(mo+(mo===1?' month':' months'));return t.join(' ')||'0 months'}\n  function sim(P,r,pay,max){\n    var bal=P,tot=0,yrs=[],m=0,yi=0,yc=0;\n    if(bal<=0.005)return {months:0,interest:0,yrs:[]};\n    for(m=1;m<=max;m++){\n      var i=bal*r,c=Math.min(pay-i,bal);bal-=c;tot+=i;yi+=i;yc+=c;\n      if(m%12===0||bal<=0.005||m===max){yrs.push({y:Math.ceil(m\/12),i:yi,c:yc,b:Math.max(0,bal)});yi=0;yc=0}\n      if(bal<=0.005)break;\n    }\n    return {months:Math.min(m,max),interest:tot,yrs:yrs};\n  }\n\n  $('ln-pnote').textContent='Starting rate: '+PRIME_NOTE+' ('+PRIME+'%). Your bank may offer prime plus or minus a margin, so enter your own rate.';\n  $('ln-prime').addEventListener('click',function(){$('ln-rate').value=PRIME;calc()});\n\n  function calc(){\n    var price=v('ln-price'),dep=Math.min(v('ln-dep'),price),rate=v('ln-rate'),r=rate\/1200;\n    var term=parseInt($('ln-term').value,10),n=TYPE==='home'?term*12:term;\n    var init=v('ln-init'),svc=v('ln-svc'),balPct=Math.min(90,v('ln-balloon')),extra=v('ln-extra'),costs=v('ln-costs');\n    var loan=Math.max(0,price-dep)+init,B=TYPE==='vehicle'?Math.min(loan,price*balPct\/100):0;\n    var pm=pmt(loan,r,n,B),monthly=pm+svc+costs;\n    var instal=pm*n+B,interest=Math.max(0,instal-loan),repaid=instal+svc*n;\n    var totalCost=dep+repaid;\n\n    set('o-monthly',m2(monthly));\n    set('o-sub',TYPE==='vehicle'?(svc>0?'Instalment '+m2(pm)+' plus service fee':'Monthly instalment'):(costs>0?'Bond repayment '+m2(pm)+' plus extras':'Monthly bond repayment'));\n    set('o-loan',m0(loan));set('o-int',m0(interest));set('o-rep',m0(repaid));set('o-cost',m0(totalCost));\n\n    var rows=[-1,0,1,2],h='';\n    for(var k=0;k<rows.length;k++){\n      var rt=Math.max(0,rate+rows[k]),p=pmt(loan,rt\/1200,n,B);\n      h+='<tr'+(rows[k]===0?' class=\"on\"':'')+'><td>'+pc(rt)+(rows[k]===0?' (yours)':'')+'<\/td><td>'+m2(p)+'<\/td><td>'+m0(Math.max(0,p*n+B-loan))+'<\/td><\/tr>';\n    }\n    $('ln-sens').innerHTML=h;\n\n    var s=sim(loan,r,pm,n),yh='';\n    for(var j=0;j<s.yrs.length;j++)yh+='<tr><td>Year '+s.yrs[j].y+'<\/td><td>'+m0(s.yrs[j].c)+'<\/td><td>'+m0(s.yrs[j].i)+'<\/td><td>'+m0(s.yrs[j].b)+'<\/td><\/tr>';\n    $('ln-years').innerHTML=yh;\n\n    var out='';\n    if((price>0)*(dep>=price))out+='<p>Your deposit covers the full price, so there is nothing to finance.<\/p>';\n    if((TYPE==='vehicle')*(B>0))out+='<p>A balloon payment of <b>'+m0(B)+'<\/b> is due at the end of the term. It is included in the totals above, and you will need to pay it, refinance it or sell the vehicle.<\/p>';\n    if(TYPE==='home'){\n      if((loan>0)*(extra>0)){\n        var s2=sim(loan,r,pm+extra,n),saved=Math.max(0,interest-s2.interest),ms=Math.max(0,n-s2.months);\n        out+='<p>Paying an extra <b>'+m0(extra)+'<\/b> a month clears your loan in <b>'+dur(s2.months)+'<\/b> instead of '+dur(n)+', saving about <b>'+m0(saved)+'<\/b> in interest'+(ms>0?' and '+dur(ms)+' of repayments':'')+'.<\/p>';\n      }\n      if(pm>0)out+='<p>As a guide, many lenders prefer a bond repayment of no more than about 30% of gross monthly income. For this repayment, that suggests an income of about <b>'+m0(pm\/0.3)+'<\/b> a month. Your bank will set its own limits.<\/p>';\n    }\n    if((price>0)*(loan>0)*(dep\/price<0.1)*(TYPE==='home'))out+='<p class=\"w\">A small deposit means a larger loan and more interest. Some banks ask for a bigger deposit, so check what your bank requires.<\/p>';\n    $('ln-ins').innerHTML=out;\n    var c=$('ln-cta');if(c){c.hidden=!(monthly>0);set('ln-ctav',m2(monthly))}\n  }\n\n  var ids=['ln-price','ln-dep','ln-rate','ln-balloon','ln-init','ln-svc','ln-extra','ln-costs'];\n  for(var i=0;i<ids.length;i++){var e=$(ids[i]);if(e)e.addEventListener('input',calc)}\n  $('ln-term').addEventListener('change',calc);\n  $('ln-go').addEventListener('click',function(){calc();if(innerWidth<960)$('ln-res').scrollIntoView({behavior:'smooth',block:'start'})});\n  $('ln-reset').addEventListener('click',function(){\n    for(var i=0;i<ids.length;i++){var e=$(ids[i]);if(e)e.value=''}\n    $('ln-rate').value=PRIME;$('ln-term').value=TYPE==='home'?'20':'60';calc()});\n  $('ln-rate').value=PRIME;calc();\n})();\n(function(){var e=document.getElementById('ln-root');if(!e)return;\nfunction f(){var s=e.style;s.setProperty('width',document.documentElement.clientWidth+'px','important');s.setProperty('max-width','none','important');s.left='0px';s.left=(-e.getBoundingClientRect().left)+'px'}\nf();addEventListener('resize',f);addEventListener('load',f);})();\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Namibia Home Loan Repayment Calculator See your monthly bond repayment, the total interest over the life of the loan and how extra payments can save you years. Enter the price, your deposit, the interest rate and the term. Your loan Enter your figures and the result updates as you type. Property price N$ Deposit N$ [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"footnotes":""},"class_list":["post-160","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/pickup-namibia.com\/blog\/wp-json\/wp\/v2\/pages\/160","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pickup-namibia.com\/blog\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/pickup-namibia.com\/blog\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/pickup-namibia.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/pickup-namibia.com\/blog\/wp-json\/wp\/v2\/comments?post=160"}],"version-history":[{"count":2,"href":"https:\/\/pickup-namibia.com\/blog\/wp-json\/wp\/v2\/pages\/160\/revisions"}],"predecessor-version":[{"id":165,"href":"https:\/\/pickup-namibia.com\/blog\/wp-json\/wp\/v2\/pages\/160\/revisions\/165"}],"wp:attachment":[{"href":"https:\/\/pickup-namibia.com\/blog\/wp-json\/wp\/v2\/media?parent=160"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}