Why is lease length on the list? First confirm the form of tenure and what documents govern the apartment; don’t import a leasehold-style adjustment unless it is actually relevant here. The local appraiser or conveyancing professional can clarify that point.
For the recurring costs, obtain the...
Also, is 102 days a median or an average, and does the clock begin at first listing or the latest relisting? A small number of stale duplex listings could pull an average upward.
At ZAR 21,020,000, ZAR 728,000 can disappear quickly if the monthly obligations are high, so I would not judge it by the cash figure alone. Stress-test one expensive first year: an insurance excess, urgent internal work and several normal mortgage payments still covered without borrowing. If...