Annexure B
    14
    Annexure B
    p. 48

    Annexure b2 – Affordability Assessment Check List

    This clause is a parent heading. Its detail is set out across the 10 sub-clauses below:

    14.1
    Affordability Assessment
    14.2
    Interview with Consumer
    14.3
    Verify Consumer Details
    14.4
    Verify Debt
    14.5
    Verify Income
    14.6
    Check for Reckless Lending
    14.7
    Review Asset Statement
    14.8
    Revise Budget
    14.9
    Verify Short Term Insurance Required by Debt Agreements
    14.10
    Affordability Amount

    NDRC Practice NoteLast reviewed 2026-04

    What this means in practice

    The check list is the file's evidence index. A complete file shows a tick and a source document next to every line, which is what a credit provider's debt review team looks for first.

    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 14: Annexure b2 – Affordability Assessment Check List. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 48.

    Related clauses

    14.1
    Annexure B
    Affordability Assessment
    14.2
    Annexure B
    Interview with Consumer
    14.3
    Annexure B
    Verify Consumer Details
    14.4
    Annexure B
    Verify Debt
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    13 Annexure b1 – Affordability Assessment Process Steps
    Next
    14.1 Affordability Assessment
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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.