Sheet 01 — Deal analysis · South Africa
Most property tools tell you the yield. Yield does not pay your bond. IQprop tells you how many years until a property pays for itself — and exactly how much cash you need on the day you sign.
No account needed. Built for SARS rules, SA bank guidelines and the realities of the local market.
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Calculated at prime 10.75%, effective 25 Sep 2026. Saved analyses record the rate they were run at, so reopening one shows what you were shown.
On a Property24 or Private Property listing — or paste the link, or type the price.
Rent, levy and rates. Sensible defaults for the rest.
Years until it pays for itself, what you top up each month, the price to offer, and the cash you need on the day.
Paste a listing and IQprop shows the most you can pay for each T-rating — from “pays from day one” to the price where you walk away. Pick one, and download a one-page offer sheet for the agent.
At today’s prime, 20% deposit, 20-year bond. Your own figures will differ. The offer sheet shows only your offer and conditions — never your walk-away price.
Property tools have an incentive to flatter. Escalate the rent, hold the costs flat, ignore vacancy, and every deal looks like it works by year four. We escalate costs independently, deduct a vacancy allowance, and use the transfer duty scale SARS actually publishes — cumulative base amounts included.
On one worked example the flattering method returns T4 — viable. The honest one returns NV — walk away. Same property.
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Work back from the rent, not forward from the asking price. IQprop shows the most you can offer for each T-rating — from “pays from day one” to your walk-away price — and makes a one-page offer sheet for the agent at the price you pick.
The number of years before a property is cashflow positive. T0 is positive today. T4 needs four years of rent escalation to get there. NV means it does not within four — the analysis then tells you when it would, and what price would make it work.
Five percent by default. TPN forecasts 4.5%–5.5% for 2026, and more than half of tenants say increases above 4% are unsustainable. You can change it, and 8% is available — but it is labelled aggressive, because an optimistic default flatters every deal you look at.
Yes, independently. Levies and municipal rates have been rising faster than rent in South Africa. Any tool that escalates rent while holding costs flat is making every deal look better than it is.
No. Every figure is a guideline. Actual outcomes depend on bank approval, achievable rent, interest rates and market conditions. For tax and structuring decisions, engage a registered tax practitioner.
SARS for transfer duty and tax rates, SARB for prime, the LSSA tariff for conveyancing, and the NCR for bond initiation fees. Every figure in the engine is traceable to a primary source and covered by an automated test.
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