Annexure B
    3.1.1
    Annexure B
    p. 32

    If the consumer

      If the consumer has a cash investment such as a money market account or term investment, Debt Counsellors should encourage the consumer to use the proceeds of this investment to reduce debt. This is in line with Section 78(3) of the NCA.

    NDRC Practice NoteLast reviewed 2026-04

    Legal context

    Where multiple income streams exist, each must be evidenced separately. SARS assessments, three months of bank statements, and the latest payslip are the standard documentary set.

    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 3.1.1: If the consumer. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 32.

    Related clauses

    3
    Annexure B
    Determination of Gross Income
    3.1
    Annexure B
    The Debt Counsellor
    3.2
    Annexure B
    Short Term insurance on assets financed
    3.1.2
    Annexure B
    If the consumer
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    3.1.2 If the consumer
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    Based on NCR Guideline 001/2015, p. 32. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.