Annexure B
    13
    Annexure B
    p. 48

    Annexure b1 – Affordability Assessment Process Steps

      Annexure b1 – Affordability Assessment Process Steps 1. Affordability Assessment 2. Interview with Consumer 3. Verify Consumer Details 4. Verify Debt 5. Verify Income 6. Check for Reckless Lending 7. Review Asset Statement 8. Revise Budget 9. Verify Short Term Insurance 10. Affordability Amount

    NDRC Practice NoteLast reviewed 2026-04

    What this means in practice

    Annexure B1 lists the ten sequential steps every assessment must follow, from interview through to affordability amount. Skipping a step produces a proposal credit providers can attack on procedural grounds alone.

    Drawn from NDRC's active case work. For your situation, see our debt counselling overview.

    Cite this clause

    National Credit Regulator. (2015). Annexure B — Debt Review Assessment Guidelines, clause 13: Annexure b1 – Affordability Assessment Process Steps. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 48.

    Related clauses

    2.3
    Annexure B
    To make sure that not all debt
    1.1
    Annexure B
    The purpose of the Affordability Assessment of the consumer
    1.2
    Annexure B
    When the determination in terms of Section
    1.3
    Annexure B
    This assessment of the consumer’s financial position
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    12 Conclusion Consumers are over-indebted if too much
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    14 Annexure b2 – Affordability Assessment Check List
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    Based on NCR Guideline 001/2015, p. 48. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.