Annexure B
    16.4
    Annexure B
    p. 52

    Where the monthly debt repayments exceed the maximums, as per

      Where the monthly debt repayments exceed the maximums, as per the table in 5 below, that debt and all the debt approved after that date should be investigated for possible reckless lending.

    NDRC Practice NoteLast reviewed 2026-04

    What this means in practice

    Where total monthly debt repayments exceed the maximum debt-to-income ratios in the table, every credit agreement granted while that ratio was already breached is a reckless lending candidate.

    Legal context

    Aligns with NCA Regulation 23A and the affordability assessment thresholds the NCR enforces during compliance reviews.

    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 16.4: Where the monthly debt repayments exceed the maximums, as per. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 52.

    Related clauses

    16.1
    Annexure B
    Check that the rates applicable to the debt
    16.2
    Annexure B
    Note that contracts entered into before June
    16.3
    Annexure B
    The possible reckless debt indicator needs to be completed
    16.5
    Annexure B
    Reckless Lending Indicator
    Previous
    16.3 The possible reckless debt indicator needs to be completed
    Next
    16.5 Reckless Lending Indicator
    Learn more about Debt Counselling

    Discover how debt counselling can help you manage your finances and protect your assets.

    Based on NCR Guideline 001/2015, p. 52. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.