{"id":2288,"date":"2024-09-05T17:48:13","date_gmt":"2024-09-05T17:48:13","guid":{"rendered":"http:\/\/localhost:10028\/?page_id=2288"},"modified":"2025-05-14T23:29:07","modified_gmt":"2025-05-14T23:29:07","slug":"calculator","status":"publish","type":"page","link":"https:\/\/kaminaloans.co.za\/index.php\/calculator\/","title":{"rendered":"Calculator"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2288\" class=\"elementor elementor-2288\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4cf7b3f parallax-section e-flex e-con-boxed rt-default-class e-con e-parent\" data-id=\"4cf7b3f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6895fcf rt-default-class elementor-widget elementor-widget-rtbreadrumb\" data-id=\"6895fcf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"rtbreadrumb.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    \r\n\r\n    <div class=\"breadcrumb-inner-addon\">\r\n        <div class=\"rt-title-part\">\r\n            <h1 class=\"page-title\">Loan Calculator<\/h1>\r\n            Make smart borrowing decisions with our transparent loan calculator. See real-time estimates of your monthly repayments, total interest, and loan affordability\u2014with no obligation or credit impact.        <\/div>\r\n        <div class=\"breadcrumb-path\">\r\n                <a href=\"https:\/\/kaminaloans.co.za\/\">Home<\/a>            <\/div>\r\n    <\/div>   \r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1f2a179 e-flex e-con-boxed rt-default-class e-con e-parent\" data-id=\"1f2a179\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f976548 rt-default-class elementor-widget elementor-widget-shortcode\" data-id=\"f976548\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">    <div class=\"wp-loan-calculator-main\" id=\"wp-loan-calculator-main\">\n        <style type=\"text\/css\">\n            :root {\n                --calc-background-color: #242c4c;\n                --calc-select-color: #404245;\n                --calc-bg-light-color: #ecf5fe;\n                --calc-border-color: #000000;\n                --calc-graph-color: #ebeeff;\n                --calc-graph-color-sub: #53597d;\n                --calc-graph-border-color: #1e73be;\n                --calc-graph-border-color-sub: #ffffff;\n                --calc-graph-balance-border-color: #b8204c;\n                --calc-graph-balance-point-background-color: #b8204c;\n                --calc-graph-extra-payment-graph-color: #00636b;\n                --calc-summary-chart-principal-fill-color: #ed8c2b;\n                --calc-summary-chart-interest-fill-color: #88a825;\n                --calc-summary-chart-balloon-payment-fill-color: #25649f;\n                --calc-summary-chart-down-payment-fill-color: #b8204c;\n                --calc-summary-chart-extra-payment-fill-color: #cf4a30;                \n\n            }\n        <\/style>\n        <div id=\"overlay\" style=\"display: none;\"><\/div>\n        <div id=\"loader\" style=\"display: none;\">\n          <div class=\"spinner\"><\/div>\n      <\/div>\n      <section class=\"heading-section\">\n        <div class=\"menu-sec-cls\">\n            <ul class=\"heading-sec-link\">\n                                            <\/ul>\n        <\/div>\n        <div class=\"about-this-calculator-popup\" style=\"display: none;\">\n            <div class=\"about-this-calculator-popup-body\">\n                <a href=\"javascript:void(0);\" class=\"close-button\" onclick=\"jQuery('.about-this-calculator-popup').hide();jQuery('body').removeClass('body-overflow-hidden');\">\u2715<\/a>\n                                <div class=\"calculator-content\"><h1>Calculator Information<\/h1>\r\n<p>The Equipment Finance Calculator calculates the type of repayment required, at the frequency requested, in respect of the loan parameters entered, namely amount, term and interest rate. The Product selected determines the default interest rate for personal loan product. The Equipment Finance Calculator also calculates the time saved to pay off the loan and the amount of interest saved based on an additional input from the customer. This is if repayments are increased by the entered amount of extra contribution per repayment period. This feature is only enabled for the products that support an extra repayment. The calculations are done at the repayment frequency entered, in respect of the original loan parameters entered, namely amount, annual interest rate and term in years.<\/p>\r\n<h1>Calculator Assumptions<\/h1>\r\n<h3>Length of Month<\/h3>\r\n<p>All months are assumed to be of equal length. In reality, many loans accrue on a daily basis leading to a varying number of days interest dependent on the number of days in the particular month.<\/p>\r\n<h3>Number of Weeks or Fortnights in a Year<\/h3>\r\n<p>One year is assumed to contain exactly 52 weeks or 26 fortnights. This implicitly assumes that a year has 364 days rather than the actual 365 or 366.<\/p>\r\n<h3>Rounding of Amount of Each Repayment<\/h3>\r\n<p>In practice, repayments are rounded to at least the nearer cent. However the calculator uses the unrounded repayment to derive the amount of interest payable at points along the graph and in total over the full term of the loan. This assumption allows for a smooth graph and equal repayment amounts. Note that the final repayment after the increase in repayment amount.<\/p>\r\n<h3>Rounding of Time Saved<\/h3>\r\n<p>The time saved is presented as a number of years and months, fortnights or weeks, based on the repayment frequency selected. It assumes the potential partial last repayment when calculating the savings.<\/p>\r\n<h3>Amount of Interest Saved<\/h3>\r\n<p>This amount can only be approximated from the amount of time saved and based on the original loan details.<\/p>\r\n<h3>Calculator Disclaimer<\/h3>\r\n<p>The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for the product. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change.<\/p><\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n    <section id=\"main-sec\" class=\"ctm_main_wrap\">\n        <section class=\"calculator-heading-section calculator-heading-block\">\n            <div class=\"calculator-child-heading\">\n                <h2>\n                    <center><strong>Feel free to use our Finance Calculator<\/strong><\/center>\n                <\/h2>\n            <\/div>\n        <\/section>\n        <section class=\"loan-option-text-info\">\n            <div class=\"custom-container loan-option-text-info-section\">\n                <div class=\"loan-option-text-info-block\">\n                    <div class=\"first-row\">\n                        <div class=\"first-row-sub-child  lc-fifty-perc-field \"  >\n\n                            <label for=\"loan_amt\" class=\"loan-text\">Loan Amount<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"1\"><\/i><span class=\"text-tooltip-disp\">Please enter your loan amount here.<\/span><\/label>\n                            <div class=\"loan-text-dis loan-amount\">\n                                <span class=\"extra-info\">&#082;<\/span>\n                                <input type=\"text\" name=\"loan_amount\" id=\"loan_amount\" value=\"\" tabindex=\"2\" oninput=\"validateInputLoanRate(this)\" onkeydown=\"return onlyNos(event,'loan_amount')\" \/>\n                            <\/div>\n                            <input type=\"range\" min=\"10000\" max=\"50000000\" value=\"10000\" class=\"slider \" id=\"loan_amount_range\" tabindex=\"3\" >\n                        <\/div>\n                        <div class=\"first-row-sub-child  lc-fifty-perc-field \">\n                            <label for=\"loan_terms\" class=\"loan-text\">No. of Payments<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"4\"><\/i><span class=\"text-tooltip-disp\">Please enter the number of years in which you plan to repay the loan.<\/span><\/label>\n                            <div class=\"loan-number-payment-with-label\">\n                                <div class=\"loan-text-dis no-payment\">\n                                    <!-- <span class=\"extra-info\"><\/\/?php echo __('Months', 'loan-calculator-wp'); ?><\/span> -->\n                                                                            <select name=\"repayment_freq\" id=\"repayment_freq\" class=\"payment-opt-drop \">\n                                                                                            <option value=\"Monthly\" selected>Monthly<\/option>\n                                                                                                <option value=\"Quarterly\" >Quarterly<\/option>\n                                                                                                <option value=\"Yearly\" >Yearly<\/option>\n                                                                                                <option value=\"Weekly\" >Weekly<\/option>\n                                                                                                <option value=\"Fortnight\" >Fortnightly<\/option>\n                                                                                        <\/select>                                  \n                                                                        <input type=\"text\" name=\"loan_terms\" min=\"1\" max=\"84\" maxlength=\"5\" id=\"loan_terms\" value=\"\" tabindex=\"5\" onkeydown=\"return onlyNos(event,'loan_terms')\" \/>\n\n                                <\/div>\n\n                                                            <\/div>\n\n                            <input type=\"range\" min=\"1\" max=\"84\" value=\"12\" class=\"slider \" id=\"loan_terms_range\" tabindex=\"6\" step=\"1\">\n                            <input type=\"hidden\" name=\"default_value\" value=\"12\">\n                            <input type=\"hidden\" name=\"min_value\" value=\"1\">\n                            <input type=\"hidden\" name=\"max_value\" value=\"84\">\n                            <input type=\"hidden\" name=\"current_repayment_freq\" value=\"\">\n                        <\/div>\n                        <div class=\"first-row-sub-child\" style=display:none;>\n                                                            <div class=\"first-row-main-child\">\n                                    <label for=\"loan_amt\" class=\"loan-text\">Payment Mode<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"8\"><\/i><span class=\"text-tooltip-disp\">Please choose payment mode of the loan.<\/span><\/label>\n                                    <select name=\"payment_type\" id=\"payment_type\" class=\"payment-opt-drop\">\n                                        <option  value=\"In Advance\">In Advance<\/option>\n                                        <option selected value=\"In Arrears\">In Arrears<\/option>\n                                    <\/select>\n                                <\/div>\n                                                       \n                        <\/div>\n                    <\/div>\n                    <div class=\"second-row\">\n                         <div class=\"second-row-sub-child\">\n                            <label for=\"loan_amt\" class=\"loan-text\">Interest Rate<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"8\"><\/i><span class=\"text-tooltip-disp\">The interest rate will default to the product you selected. You can also change the rate up or down to understand the effect on your repayments and total interest payable.<\/span><\/label>\n                            <div class=\"loan-text-dis\">\n                                <input type=\"text\" name=\"interest_rates\" id=\"interest_rates\" value=\"\" tabindex=\"9\"  \/>\n                                <span id=\"interest_rate_range_dis\" class=\"rate_disp\"><\/span>\n                            <\/div>\n                            <input type=\"range\" min=\"3\" max=\"5\" value=\"7\" class=\"slider  \" id=\"interest_rate_range\" tabindex=\"10\" step=\"0.25\">\n                        <\/div>\n                                                    <div class=\"second-row-sub-child\">\n\n                                <div class=\"loan-text-dis\">\n                                    <input type=\"hidden\" name=\"ballon_amounts\" id=\"ballon_amounts\" value=\"\" tabindex=\"11\" onkeydown=\"return onlyNos(event,'ballon_amounts')\" \/>\n\n                                    <input type=\"hidden\" name=\"ballon_amounts_per\" id=\"ballon_amounts_per\" value=\"0\" tabindex=\"12\" \/>\n                                <\/div>\n                                <input type=\"hidden\" id=\"ballon_amount_range\" tabindex=\"13\" step=\"1\" value=\"0\">\n                            <\/div>\n                                            <\/div>\n                    <div class=\"site-wraps-row-downpayment-extrapayment-row\">\n                        \n                                            <\/div>\n                <\/div>\n            <\/div>\n                        <div class=\"loan-detail-section \">\n                <div class=\"loan-detail-section-child\">\n                    <div class=\"sub-main-tab\">\n                        <div class=\"ww-loan-container\">\n                            <div class=\"tabs\">\n\n                                                                \n                                <input type=\"radio\" name=\"tabs\" id=\"tab1\" checked>\n                                <label for=\"tab1\" style=\"display: block;\">\n                                                                            <i class=\"fa fa-chart-bar\"><\/i>\n                                        <span class=\"tooltip-disp\">Repayment Chart<\/span>\n                                                                    <\/label>\n                                <input type=\"radio\" name=\"tabs\" id=\"tab3\" >\n                                <label for=\"tab3\" style=\"display: block;\">\n                                                                            <i class=\"fa fa-tasks\"><\/i>\n                                        <span class=\"tooltip-disp\">Loan Amortization Table<\/span>\n                                                                    <\/label>\n                                <input type=\"radio\" name=\"tabs\" id=\"tab2\" >\n                                <label for=\"tab2\" style=\"display: none;\">\n                                                                            <i class=\"fa fa-play\"><\/i>\n                                        <span class=\"tooltip-disp\">Video<\/span>\n                                                                    <\/label>\n                                                                <div id=\"tab-content1\" class=\"tab-content\">\n                                    <canvas id=\"loan-process-graph\" width=\"650\" height=\"320\"><\/canvas>\n                                                                            <div id=\"chart-note\" class=\"chart-note\"><p>**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.<\/p><\/div>\n                                <\/div>\n                                <div id=\"tab-content2\" class=\"tab-content\">\n                                                                            <iframe width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/VhvlcwYUyIg?si=XQyDoLGla6aoue1v\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n                                                                    <\/div>                               \n                                <div id=\"tab-content3\" class=\"tab-content\">\n                                    <table id=\"loan-process-tbl\">\n                                        <thead>\n                                            <tr>\n                                                <th>Period<\/th>\n                                                <th>Payment<\/th>\n                                                                                                <th>Interest<\/th>\n                                                <th>Balance<\/th>\n                                            <\/tr>\n                                        <\/thead>\n                                        <tbody id=\"loan_table_data\">\n                                        <\/tbody>\n                                    <\/table>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                <div class=\"loan-detail-section-child  default-theme with-summary-chart page-break\" >\n                    <div class=\"summary-calculation-and-chart-wrappar\">\n                    <div class=\"loan-detail-cal-desc\">\n                        <div class=\"loan-cal-desc\">\n                            <div class=\"loan-cal-desc-heading main-heading\">\n                                <label id=\"regular_repayment_heading\"><strong>{frequency} Payment<\/strong><\/label>\n\n                        <\/div>\n                        <div class=\"loan-cal-desc-val\">\n                            <label><span><small>&#082;<\/small><span id=\"per_month_amount\"><\/span><\/span> <strong id=\"loan_amount_term_label\"><\/strong><span id=\"loan_amount_year\"><\/span><\/label>\n                        <\/div>\n                    <\/div>\n                                            <div class=\"loan-cal-desc\">\n                            <div class=\"loan-cal-desc-heading\">\n                                <label><strong>Total interest payable<\/strong><\/label>\n                            <\/div>\n                            <div class=\"loan-cal-desc-val\">\n                                <label><small>&#082;<\/small><span id=\"total_interests_amt\"><\/span> over <span id=\"total_interests_years\"><\/span> <\/label>\n                            <\/div>\n\n                        <\/div>\n                                        <span id=\"total_interests_amt_hidden\"><\/span>\n                    <div class=\"loan-cal-desc\" id=\"ballon_amt_section\">\n                        <div class=\"loan-cal-desc-heading\">\n                            <label><strong>Balloon amount (<span id=\"bill_ballon_per\">0.00<\/span>%)<\/strong><\/label>\n                        <\/div>\n                        <div class=\"loan-cal-desc-val\">\n                            <label><small>&#082;<\/small><strong><span id=\"bill_ballon_amt\">0.00<\/span><\/strong><\/label>\n                        <\/div>\n\n                    <\/div>\n\n                    \n                    \n            <\/div>\n            \n                        \n                <div class=\"break-up-total-payment-chart-wrap loan-detail-cal-desc\">\n                    <label class=\"summary-chart-heading\">Break-up of Total Payment<\/label>\n                    <canvas id=\"break-up-total-payment-chart\" class=\"summary-chart-canvas\" >\n                <\/div>\n\n                    <\/div>\n                                <\/div>\n    <\/div>\n<\/section>\n<div class=\"contact-us-popup\" style=\"display:none;\">\n    <div class=\"contact-us-popup-body\">\n        <a href=\"javascript:void(0);\" class=\"close-button\" onclick=\"jQuery('.contact-us-popup').hide();jQuery('body').removeClass('body-overflow-hidden');\">X<\/a>\n            <\/div>\n<\/div>\n\n\n    <div class=\"calculator-disclaimer-section\">\n        <h4>Calculator Disclaimer<\/h4>\n        <p><p>The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, <a href=\"https:\/\/kaminaloan.co.za\/index.php\/contact\/\">contact us<\/a>. This calculation does not constitute a quote, loan approval, agreement or advice by Kamina Loans. It does not take into account your personal or financial circumstances.<\/p><\/p>\n    <\/div>\n<\/section>\n<\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e7a6638 e-flex e-con-boxed rt-default-class e-con e-parent\" data-id=\"e7a6638\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-72b19f5 e-con-full e-flex rt-default-class e-con e-child\" data-id=\"72b19f5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-dda1729 e-con-full e-flex rt-default-class e-con e-child\" data-id=\"dda1729\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c21406d elementor-view-framed elementor-position-inline-start elementor-shape-circle elementor-mobile-position-block-start rt-default-class elementor-widget elementor-widget-icon-box\" data-id=\"c21406d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-phone\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M493.4 24.6l-104-24c-11.3-2.6-22.9 3.3-27.5 13.9l-48 112c-4.2 9.8-1.4 21.3 6.9 28l60.6 49.6c-36 76.7-98.9 140.5-177.2 177.2l-49.6-60.6c-6.8-8.3-18.2-11.1-28-6.9l-112 48C3.9 366.5-2 378.1.6 389.4l24 104C27.1 504.2 36.7 512 48 512c256.1 0 464-207.5 464-464 0-11.2-7.7-20.9-18.6-23.4z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tCall For More Info\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t+27 (0) 703 782 094\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b0eaeb5 e-con-full e-flex rt-default-class e-con e-child\" data-id=\"b0eaeb5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ba5101 rt-default-class elementor-widget elementor-widget-heading\" data-id=\"7ba5101\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Request a Schedule For<br>\nFree Consultation<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0878558 e-con-full e-flex rt-default-class e-con e-child\" data-id=\"0878558\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c389676 rt-default-class elementor-widget elementor-widget-react-button\" data-id=\"c389676\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"react-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\r\n\t\t\r\n\t<div class=\"react-button\">\r\n\t\t\t\t<a class=\"react_button\" href=\"https:\/\/kaminaloan.co.za\/index.php\/contact\/\" >\r\n\r\n\t\t   \t\r\n\r\n\t\t<span class=\"btn_text\">Send Message<\/span>\r\n\r\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"rt rt-arrow-up-right\"><\/i>\t\t\t\t\r\n\t\t\t\t\t<\/a>\r\n\t<\/div>\t\t\r\n\r\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6d82059 e-flex e-con-boxed rt-default-class e-con e-parent\" data-id=\"6d82059\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a368000 e-con-full e-flex rt-default-class e-con e-child\" data-id=\"a368000\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-573d9b3 e-con-full e-flex rt-default-class e-con e-child\" data-id=\"573d9b3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a49af5 rt-default-class elementor-widget elementor-widget-react-heading\" data-id=\"5a49af5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"react-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"animation-style2 react-heading default\">\r\n\t\t\t<div class=\"title-inner  bg_sub_text_yes double_sub_text_no\">\r\n\t\t\t\t<span class=\"sub-text word-line\">For Trust-Building<\/span><div class=\"split_collab_words\"><h2 class=\"title word-line\">Quick Answers Before You Borrow<\/h2><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\t\t\t\r\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b9a404 rt-accor rt-default-class elementor-widget elementor-widget-accordion\" data-id=\"2b9a404\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4571\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-4571\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"rt rt-angle-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"rt rt-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How does the loan calculator work?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4571\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-4571\"><p><em>Simply enter your desired loan amount (R1,000\u2013R500,000) and repayment period (3\u201372 months). Our tool instantly shows:<\/em><br \/>\u2714 Monthly payment<br \/>\u2714 Total interest<br \/>\u2714 Full repayment amount<br \/><em>No personal info needed \u2013 just unbiased estimates.<\/em><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4572\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-4572\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"rt rt-angle-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"rt rt-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Are the calculator results accurate?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4572\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-4572\"><p><em>They\u2019re estimates based on:<\/em><br \/>\u2705 Current Kamina interest rates (3\u20137% APR)<br \/>\u2705 Standard fees (initiation + monthly service fees)<br \/><em>Final amounts depend on your credit profile and NCR affordability checks.<\/em><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4573\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-4573\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"rt rt-angle-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"rt rt-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Why does my bank show different numbers?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4573\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-4573\"><p><em>Loan costs vary by:<\/em><br \/>\u25b8 Your credit score<br \/>\u25b8 Lender risk policies<br \/>\u25b8 Promotional rates (e.g., &#8220;prime &#8211; 2%&#8221;)<br \/><em>Our calculator uses mid-range rates for fairness.<\/em><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-be9c5f9 e-con-full e-flex rt-default-class e-con e-child\" data-id=\"be9c5f9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div 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class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Extra Growth For <br>Your Company<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"68\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">%<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Loan Calculator Make smart borrowing decisions with our transparent loan calculator. See real-time estimates of your monthly repayments, total interest, and loan affordability\u2014with no obligation or credit impact. Home Call For More Info +27 (0) 703 782 094 Request a Schedule For Free Consultation Send Message For Trust-Building Quick Answers Before You Borrow How does&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-2288","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/kaminaloans.co.za\/index.php\/wp-json\/wp\/v2\/pages\/2288","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kaminaloans.co.za\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kaminaloans.co.za\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kaminaloans.co.za\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kaminaloans.co.za\/index.php\/wp-json\/wp\/v2\/comments?post=2288"}],"version-history":[{"count":11,"href":"https:\/\/kaminaloans.co.za\/index.php\/wp-json\/wp\/v2\/pages\/2288\/revisions"}],"predecessor-version":[{"id":4293,"href":"https:\/\/kaminaloans.co.za\/index.php\/wp-json\/wp\/v2\/pages\/2288\/revisions\/4293"}],"wp:attachment":[{"href":"https:\/\/kaminaloans.co.za\/index.php\/wp-json\/wp\/v2\/media?parent=2288"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}