Annexure B
    3
    Annexure B
    p. 31

    Determination of Gross Income

      Assets The consumer should be encouraged to complete a list of assets on application for Debt Counselling (Form 16). The following information is important in this regard:

    NDRC Practice NoteLast reviewed 2026-04

    Legal context

    Gross income is the starting point only. NCA s 78(3) defines gross income to include salary, allowances, commission, and regular incidental income, but the affordability test then strips it down to net available income under Annexure B sections 4 to 6.

    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: Determination of Gross Income. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 31.

    Related clauses

    3.1
    Annexure B
    The Debt Counsellor
    3.2
    Annexure B
    Short Term insurance on assets financed
    3.1.1
    Annexure B
    If the consumer
    3.1.2
    Annexure B
    If the consumer
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    Based on NCR Guideline 001/2015, p. 31. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.