{"id":176,"date":"2026-11-06T20:41:15","date_gmt":"2026-11-06T20:41:15","guid":{"rendered":"https:\/\/pickup-namibia.com\/blog\/?page_id=176"},"modified":"2026-11-06T20:41:15","modified_gmt":"2026-11-06T20:41:15","slug":"namibia-transfer-duty-and-bond-cost-calculator","status":"publish","type":"page","link":"https:\/\/pickup-namibia.com\/blog\/namibia-transfer-duty-and-bond-cost-calculator\/","title":{"rendered":"Namibia Transfer Duty and Bond Cost Calculator"},"content":{"rendered":"\n<!-- Pickup Namibia Transfer Duty and Bond Cost Calculator -->\n<style>\n#tc-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}.tc-sum{grid-template-columns:repeat(3,1fr)}.tc-s.big{grid-column:1\/-1}.tc-card{padding:30px 28px}}\n@media(min-width:960px){.tc-sec{padding:80px 0}.tc-hero{padding:80px 0 72px}.tc-grid{grid-template-columns:420px 1fr;gap:32px}.tc-form{position:static}}\n@media(prefers-reduced-motion:reduce){#tc-root *{transition:none!important}}\n<\/style>\n\n<div id=\"tc-root\">\n\n  <header class=\"tc-hero\">\n    <div class=\"tc-c\">\n      <h1>Namibia Transfer Duty and Bond Cost Calculator<\/h1>\n      <p>Buying a property? See the transfer duty, stamp duty and legal costs you will pay on top of the price, and how much cash you need upfront.<\/p>\n    <\/div>\n  <\/header>\n\n  <section class=\"tc-sec\">\n    <div class=\"tc-c tc-grid\">\n\n      <form class=\"tc-card tc-form\" id=\"tc-form\" onsubmit=\"return false\">\n        <h2>Your purchase<\/h2>\n        <p>Enter the price and who is buying. The result updates as you type.<\/p>\n\n        <div class=\"tc-f\"><label for=\"tc-price\">Purchase price<\/label><div class=\"tc-in\"><span>N$<\/span><input id=\"tc-price\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"e.g. 1 500 000\"><\/div><\/div>\n        <div class=\"tc-f\"><label for=\"tc-type\">Who is buying?<\/label>\n          <select id=\"tc-type\" class=\"tc-sel\"><option value=\"nat\" selected>A person (natural person)<\/option><option value=\"ent\">A company, CC or trust<\/option><\/select><\/div>\n        <div class=\"tc-f\"><label for=\"tc-dep\">Deposit<\/label><div class=\"tc-in\"><span>N$<\/span><input id=\"tc-dep\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"0.00\"><\/div><small>The rest of the price is the bond (home loan). Leave it empty if you pay cash.<\/small><\/div>\n\n        <div class=\"tc-g\">Optional: use your own quotes<\/div>\n        <div class=\"tc-f\"><label for=\"tc-conv\">Conveyancer\u2019s fee for the transfer<\/label><div class=\"tc-in\"><span>N$<\/span><input id=\"tc-conv\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"Estimated if empty\"><\/div><small>From your conveyancer\u2019s quote, excluding VAT.<\/small><\/div>\n        <div class=\"tc-f\"><label for=\"tc-bconv\">Conveyancer\u2019s fee for the bond<\/label><div class=\"tc-in\"><span>N$<\/span><input id=\"tc-bconv\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"Estimated if empty\"><\/div><small>Excluding VAT.<\/small><\/div>\n        <div class=\"tc-f\"><label for=\"tc-bstamp\">Stamp duty on the bond<\/label><div class=\"tc-in\"><span>N$<\/span><input id=\"tc-bstamp\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"0.00\"><\/div><small>Take this from your bank\u2019s or conveyancer\u2019s quote.<\/small><\/div>\n        <div class=\"tc-f\"><label for=\"tc-bank\">Bank fees<\/label><div class=\"tc-in\"><span>N$<\/span><input id=\"tc-bank\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"0.00\"><\/div><small>For example initiation and valuation fees.<\/small><\/div>\n        <div class=\"tc-f\"><label for=\"tc-oth\">Other costs<\/label><div class=\"tc-in\"><span>N$<\/span><input id=\"tc-oth\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"0.00\"><\/div><small>For example postage and other small charges.<\/small><\/div>\n\n        <div class=\"tc-acts\">\n          <button type=\"button\" class=\"tc-btn tc-b1\" id=\"tc-go\">Calculate<\/button>\n          <button type=\"button\" class=\"tc-btn tc-b2\" id=\"tc-reset\">Reset<\/button>\n        <\/div>\n      <\/form>\n\n      <div class=\"tc-card\" id=\"tc-res\" aria-live=\"polite\">\n        <h2>Your costs<\/h2>\n        <p>Costs you pay on top of the purchase price.<\/p>\n        <div class=\"tc-sum\">\n          <div class=\"tc-s big\"><small>Cash needed upfront<\/small><b id=\"o-cash\">N$ 0.00<\/b><em id=\"o-cashd\">Deposit plus all costs<\/em><\/div>\n          <div class=\"tc-s\"><small>Transfer costs<\/small><b id=\"o-tt\">N$ 0.00<\/b><\/div>\n          <div class=\"tc-s\"><small>Bond costs<\/small><b id=\"o-bt\">N$ 0.00<\/b><\/div>\n          <div class=\"tc-s\"><small>Costs as share of price<\/small><b id=\"o-pct\">0.0%<\/b><\/div>\n        <\/div>\n\n        <div class=\"tc-h3\">Transfer costs<\/div>\n        <div class=\"tc-r\"><span>Transfer duty<\/span><span id=\"r-td\">N$ 0.00<\/span><\/div>\n        <div class=\"tc-r\"><span>Stamp duty on the transfer<\/span><span id=\"r-sd\">N$ 0.00<\/span><\/div>\n        <div class=\"tc-r\"><span id=\"l-cf\">Conveyancer\u2019s fee (estimate)<\/span><span id=\"r-cf\">N$ 0.00<\/span><\/div>\n        <div class=\"tc-r\"><span>VAT on the conveyancer\u2019s fee<\/span><span id=\"r-cv\">N$ 0.00<\/span><\/div>\n        <div class=\"tc-r\"><span>Deeds office fee<\/span><span id=\"r-df\">N$ 0.00<\/span><\/div>\n        <div class=\"tc-r\"><span>Other costs<\/span><span id=\"r-ot\">N$ 0.00<\/span><\/div>\n        <div class=\"tc-r t\"><span>Total transfer costs<\/span><span id=\"r-tt\">N$ 0.00<\/span><\/div>\n\n        <div class=\"tc-h3\">Bond costs<\/div>\n        <div class=\"tc-r\"><span id=\"l-bf\">Conveyancer\u2019s fee for the bond (estimate)<\/span><span id=\"r-bf\">N$ 0.00<\/span><\/div>\n        <div class=\"tc-r\"><span>VAT on the conveyancer\u2019s fee<\/span><span id=\"r-bv\">N$ 0.00<\/span><\/div>\n        <div class=\"tc-r\"><span>Deeds office fee<\/span><span id=\"r-bd\">N$ 0.00<\/span><\/div>\n        <div class=\"tc-r\"><span>Stamp duty on the bond<\/span><span id=\"r-bs\">N$ 0.00<\/span><\/div>\n        <div class=\"tc-r\"><span>Bank fees<\/span><span id=\"r-bk\">N$ 0.00<\/span><\/div>\n        <div class=\"tc-r t\"><span>Total bond costs<\/span><span id=\"r-bt\">N$ 0.00<\/span><\/div>\n\n        <div class=\"tc-r n\"><span>Total costs on top of the price<\/span><span id=\"r-all\">N$ 0.00<\/span><\/div>\n        <div class=\"tc-ins\" id=\"tc-notes\"><\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <section class=\"tc-sec tc-alt\">\n    <div class=\"tc-c\">\n      <div class=\"tc-h\"><h2>Transfer duty rates for individuals<\/h2><p>These rates apply when a natural person buys property. Your bracket is highlighted after you calculate.<\/p><\/div>\n      <div class=\"tc-scroll\">\n        <table class=\"tc-tb\" id=\"tc-table\">\n          <thead><tr><th>Property value (N$)<\/th><th>Transfer duty<\/th><\/tr><\/thead>\n          <tbody>\n            <tr data-i=\"0\"><td>0 to 1 100 000<\/td><td>Nil<\/td><\/tr>\n            <tr data-i=\"1\"><td>1 100 001 to 1 580 000<\/td><td>1% of the value above 1 100 000<\/td><\/tr>\n            <tr data-i=\"2\"><td>1 580 001 to 3 150 000<\/td><td>N$4 800 plus 5% of the value above 1 580 000<\/td><\/tr>\n            <tr data-i=\"3\"><td>3 150 001 to 12 100 000<\/td><td>N$83 300 plus 8% of the value above 3 150 000<\/td><\/tr>\n            <tr data-i=\"4\"><td>Above 12 100 000<\/td><td>N$799 300 plus 11% of the value above 12 100 000<\/td><\/tr>\n          <\/tbody>\n        <\/table>\n      <\/div>\n      <p class=\"tc-note\">Companies, CCs and trusts pay 12% transfer duty on the full value. Individuals also pay stamp duty on the transfer deed at N$10 for every N$1 000 (or part) above N$1 100 000. Other buyers pay N$12 for every N$1 000 (or part) of the value.<\/p>\n    <\/div>\n  <\/section>\n\n  <section class=\"tc-sec\">\n    <div class=\"tc-c\">\n      <div class=\"tc-h\"><h2>How the costs work<\/h2><p>What each line means.<\/p><\/div>\n      <div class=\"tc-two\">\n        <div class=\"tc-box\"><h3>Transfer duty and stamp duty<\/h3><p>These are taxes paid to NamRA when ownership moves to you. The amount depends on the purchase price and on whether you are a person or a company, CC or trust.<\/p><\/div>\n        <div class=\"tc-box\"><h3>Conveyancer\u2019s fees<\/h3><p>A conveyancer registers the transfer and the bond at the deeds office. Their fee follows a prescribed scale based on the value, and VAT is added. We estimate it unless you enter your own quote.<\/p><\/div>\n        <div class=\"tc-box\"><h3>Bond costs<\/h3><p>If you borrow to buy, there are extra costs to register the bond: the conveyancer\u2019s fee, the deeds office fee, stamp duty on the bond and bank fees. Enter the stamp duty and bank fees from your quotes.<\/p><\/div>\n        <div class=\"tc-box\"><h3>Cash you need upfront<\/h3><p>This is your deposit plus all the costs above. It is the money you need to have ready before you can take transfer, apart from the bond itself.<\/p><\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <section class=\"tc-sec tc-alt\">\n    <div class=\"tc-c\">\n      <div class=\"tc-h\"><h2>Common questions<\/h2><\/div>\n      <div class=\"tc-faq\">\n        <details><summary>Who pays transfer duty and transfer costs?<\/summary><p>The buyer normally pays them. The costs are usually paid to the conveyancer before the property is registered in your name.<\/p><\/details>\n        <details><summary>Do I pay transfer duty on a property under N$1.1 million?<\/summary><p>If you are buying as a person, no. Transfer duty and stamp duty on the transfer deed are both exempt up to N$1 100 000. You still pay the conveyancer\u2019s fee, VAT and the deeds office fee.<\/p><\/details>\n        <details><summary>What if I buy a new home from a developer?<\/summary><p>VAT may apply to the sale instead of transfer duty. Ask your conveyancer how it works for your purchase.<\/p><\/details>\n        <details><summary>Can I add the costs to my bond?<\/summary><p>Some banks lend a little extra to cover costs, but not all do, and it means paying interest on them. Ask your bank what it offers.<\/p><\/details>\n        <details><summary>How accurate are the estimates?<\/summary><p>Transfer duty and stamp duty follow the published rates. The conveyancer\u2019s fees, deeds office fees and bond costs are estimates, so get a written quote from your conveyancer and your bank before you commit.<\/p><\/details>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <section class=\"tc-sec\">\n    <div class=\"tc-c\"><div class=\"tc-disc\"><b>Please note:<\/b> this calculator gives estimates for general information only. It is not legal, tax or financial advice. Rates and tariffs can change. Confirm the final figures with a conveyancer, your bank or NamRA.<\/div><\/div>\n  <\/section>\n\n  <section class=\"tc-final\">\n    <div class=\"tc-c\">\n      <h2>Need to get around while you house-hunt?<\/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=\"tc-btn\">Create your account<\/a>\n      <a href=\"https:\/\/pickup-namibia.com\/blog\/services\/\" class=\"tc-btn\">How it works<\/a>\n    <\/div>\n  <\/section>\n\n<\/div>\n<script>\n(function(){\n  var VAT=0.15,DEEDS=345;\n\n  function $(id){return document.getElementById(id)}\n  function v(id){var x=parseFloat(String($(id).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){$(id).textContent=t}\n\n  \/* Transfer duty for a natural person *\/\n  function bracket(x){if(x>12100000)return 4;if(x>3150000)return 3;if(x>1580000)return 2;if(x>1100000)return 1;return 0}\n  function tduty(x,ent){\n    if(ent)return x*0.12;\n    var b=bracket(x);\n    if(b===0)return 0;\n    if(b===1)return (x-1100000)*0.01;\n    if(b===2)return 4800+(x-1580000)*0.05;\n    if(b===3)return 83300+(x-3150000)*0.08;\n    return 799300+(x-12100000)*0.11;\n  }\n  \/* Stamp duty on the transfer deed *\/\n  function sduty(x,ent){\n    if(ent)return 12*Math.ceil(x\/1000);\n    if(x<=1100000)return 0;\n    return 10*Math.ceil((x-1100000)\/1000);\n  }\n  \/* Estimated conveyancer's fee (excluding VAT) on the prescribed scale *\/\n  function cfee(x){\n    if(x<=0)return 0;\n    if(x<500000)return 5000;\n    if(x<600000)return 6800;\n    if(x<1000000)return 11160+1540*Math.ceil((x-600000)\/100000);\n    if(x<5000000)return 18860+1540*Math.ceil((x-1000000)\/200000);\n    return 49660+1925*Math.ceil((x-5000000)\/500000);\n  }\n\n  function calc(){\n    var price=v('tc-price'),ent=$('tc-type').value==='ent',dep=Math.min(v('tc-dep'),price),loan=Math.max(0,price-dep);\n    var qc=v('tc-conv'),qb=v('tc-bconv'),bst=v('tc-bstamp'),bank=v('tc-bank'),oth=v('tc-oth');\n\n    var td=price>0?tduty(price,ent):0,sd=price>0?sduty(price,ent):0;\n    var cf=qc>0?qc:cfee(price),cv=cf*VAT,df=price>0?DEEDS:0;\n    var tt=td+sd+cf+cv+df+oth;\n\n    var bf=0,bv=0,bd=0,bs=0,bk=0,bt=0;\n    if(loan>0){bf=qb>0?qb:cfee(loan);bv=bf*VAT;bd=DEEDS;bs=bst;bk=bank;bt=bf+bv+bd+bs+bk}\n    var all=tt+bt,cash=dep+all;\n\n    set('l-cf',qc>0?'Conveyancer\u2019s fee (your quote)':'Conveyancer\u2019s fee (estimate)');\n    set('l-bf',qb>0?'Conveyancer\u2019s fee for the bond (your quote)':'Conveyancer\u2019s fee for the bond (estimate)');\n    set('r-td',m2(td));set('r-sd',m2(sd));set('r-cf',m2(cf));set('r-cv',m2(cv));set('r-df',m2(df));set('r-ot',m2(oth));set('r-tt',m2(tt));\n    set('r-bf',m2(bf));set('r-bv',m2(bv));set('r-bd',m2(bd));set('r-bs',m2(bs));set('r-bk',m2(bk));set('r-bt',m2(bt));set('r-all',m2(all));\n    set('o-cash',m2(cash));set('o-tt',m2(tt));set('o-bt',m2(bt));set('o-pct',(price>0?Math.round(all\/price*1000)\/10:0).toFixed(1)+'%');\n    set('o-cashd',dep>0?'Deposit '+m0(dep)+' plus all costs':'All costs, with no deposit');\n\n    var rows=document.querySelectorAll('#tc-table tbody tr'),on=(price>0)?(ent?-1:bracket(price)):-1;\n    for(var i=0;i<rows.length;i++)rows[i].className=(i===on)?'on':'';\n\n    var n='';\n    if((price>0)*(!ent)*(price<=1100000))n+='<p>Good news: as a person buying a property up to N$1 100 000, you pay no transfer duty and no stamp duty on the transfer.<\/p>';\n    if((price>0)*ent)n+='<p>Companies, CCs and trusts pay transfer duty of 12% of the price, plus stamp duty on the transfer deed.<\/p>';\n    if((loan>0)*(bst===0))n+='<p class=\"w\">Stamp duty on the bond is not included yet. Add it from your bank\u2019s or conveyancer\u2019s quote for a complete total.<\/p>';\n    if(price>0)n+='<p>The conveyancer\u2019s fees and deeds office fees are estimates. Get a written quote before you commit.<\/p>';\n    $('tc-notes').innerHTML=n;\n  }\n\n  var ids=['tc-price','tc-dep','tc-conv','tc-bconv','tc-bstamp','tc-bank','tc-oth'];\n  for(var i=0;i<ids.length;i++)$(ids[i]).addEventListener('input',calc);\n  $('tc-type').addEventListener('change',calc);\n  $('tc-go').addEventListener('click',function(){calc();if(innerWidth<960)$('tc-res').scrollIntoView({behavior:'smooth',block:'start'})});\n  $('tc-reset').addEventListener('click',function(){for(var i=0;i<ids.length;i++)$(ids[i]).value='';$('tc-type').value='nat';calc()});\n  calc();\n})();\n(function(){var e=document.getElementById('tc-root');if(!e)return;\nfunction f(){var s=e.style;s.setProperty('width',document.documentElement.clientWidth+'px','important');s.setProperty('max-width','none','important');s.left='0px';s.left=(-e.getBoundingClientRect().left)+'px'}\nf();addEventListener('resize',f);addEventListener('load',f);})();\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Namibia Transfer Duty and Bond Cost Calculator Buying a property? See the transfer duty, stamp duty and legal costs you will pay on top of the price, and how much cash you need upfront. Your purchase Enter the price and who is buying. The result updates as you type. Purchase price N$ Who is buying? [&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-176","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/pickup-namibia.com\/blog\/wp-json\/wp\/v2\/pages\/176","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=176"}],"version-history":[{"count":1,"href":"https:\/\/pickup-namibia.com\/blog\/wp-json\/wp\/v2\/pages\/176\/revisions"}],"predecessor-version":[{"id":177,"href":"https:\/\/pickup-namibia.com\/blog\/wp-json\/wp\/v2\/pages\/176\/revisions\/177"}],"wp:attachment":[{"href":"https:\/\/pickup-namibia.com\/blog\/wp-json\/wp\/v2\/media?parent=176"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}