4.1
Annexure B
p. 36
On making an effective assessment
On making an effective assessment it is important to make sure that the consumer’s NETT income is properly assessed. NETT income is determined by taking the gross income, adjusted for irregular income, less statutory deductions, less mandatory employer deductions. Income not derived from main employment must be added to this:
NDRC Practice NoteLast reviewed 2026-04
Legal context
Net income is gross income minus statutory deductions and unavoidable employer deductions only. Voluntary deductions (savings, group schemes the consumer can opt out of) are added back for the affordability calculation.
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 4.1: On making an effective assessment. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 36.Related clauses
Based on NCR Guideline 001/2015, p. 36. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.