16.5
Annexure B
p. 52
Reckless Lending Indicator
Reckless Lending Indicator Percentage of After Tax Income After Tax Income required to pay Monthly Debt Payments R 0 – R 2 000 TBC % R 2 001 – R 5 000 TBC % R 5 001 – R 10 000 TBC % R 10 001 – R 20 000 TBC % R 20 001 – R 40 000 TBC % R 40 001 – R 60 000 TBC % R 60 000+ TBC %
NDRC Practice NoteLast reviewed 2026-04
Legal context
The indicator is a desktop test built from the consumer's credit bureau profile and bank statements. It does not displace the full Annexure B affordability assessment, which remains the primary evidentiary record.
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 16.5: Reckless Lending Indicator. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 52.Related clauses
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16.4 Where the monthly debt repayments exceed the maximums, as per
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16.6 When the Reckless Debt Indicator
Based on NCR Guideline 001/2015, p. 52. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.