How much are transfer costs on a R2 000 000 house?

About R77 982 for a cash buyer: R33 786 transfer duty, R42 406 for the transferring attorney on the Law Society's guideline including VAT, and R1 790 at the Deeds Office. A bond adds its own registration costs.

Who pays transfer duty?

The buyer, unless the sale is subject to VAT. There is no transfer duty on a price up to R1 210 000 in the 2026/27 tax year.

Transfer cost calculator

On a R2 000 000 home a cash buyer pays about R77 982 on top of the price: R33 786 transfer duty, R42 406 for the transferring attorney and R1 790 at the Deeds Office. There is no transfer duty up to R1 210 000 in the 2026/27 tax year.

Put in the price and your deposit. With a loan, the bond’s registration costs are added. Attorneys’ fees follow the Law Society’s guideline, which is not binding, so ask for a quote.

Purchase price

Deposit

A. Transfer duty

Transfer duty

R 33 786

Bracket: R 13 614 + 6% on value above R 1 663 800

B. Transfer attorney fees

Fee excl. VAT

R 36 875

Fee incl. VAT (15%)

R 42 406

These follow the Law Society's conveyancing fee guideline, effective 1 July 2026. It is not binding: attorneys may charge more or less, so compare quotes.

Deeds office registration fee

R 1 790

Post, petties & FICA (estimate)

R 2 500

C. Bond registration costs

Bond registration fee excl. VAT

R 36 875

Bond registration fee incl. VAT

R 42 406

Deeds office bond registration fee

R 1 790

D. Other costs to budget for

Moving costs (varies)Homeowners insurance (required by bank)Home inspection (recommended, typically R 2 500 to R 5 500 for a family home)

Total acquisition cost summary

Purchase priceR 2 000 000

Transfer dutyR 33 786

Transfer attorney feesR 42 406

Deeds office & admin (transfer)R 4 290

Bond registration feesR 42 406

Deeds office (bond)R 1 790

Total acquisition costR 2 124 678

Monthly repaymentR 23 076 / month

Questions

How much are transfer costs on a R2 000 000 house?: About R77 982 for a cash buyer: R33 786 transfer duty, R42 406 for the transferring attorney on the Law Society's guideline including VAT, and R1 790 at the Deeds Office. A bond adds its own registration costs.
Who pays transfer duty?: The buyer, unless the sale is subject to VAT. There is no transfer duty on a price up to R1 210 000 in the 2026/27 tax year.

Transfer duty and transfer costs: the SARS table, who pays and when.
First-time home buyers: the cash a first home needs beyond the deposit.
Bond repayment and affordability: what the loan costs each month.

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