The South African Reserve Bank's Monetary Policy Committee kept the policy rate at 6.75% on 29 January 2026. The decision left the prime lending rate at 10.25%, with two MPC members preferring a 25-basis-point cut and four preferring a hold.
The practical property impact
The repo and prime rates directly shape variable-rate bond repayments and buyer affordability, so the January decision set the financing baseline for the housing market at the start of 2026.
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