Annexure B
    7.1.2
    Annexure B
    p. 41

    Debt Counsellors could ask the following questions

      Debt Counsellors could ask the following questions:

      a) Is it possible to obtain cheaper rented accommodation?

      b) Can affordable accommodation be found closer to work to reduce rental expenses as well as fuel costs? The cost of moving has to be taken into consideration.

    NDRC Practice NoteLast reviewed 2026-04

    What this means in practice

    These questions surface whether the consumer is over-housed relative to income. The point is not to force a move, but to produce a defensible record showing the housing cost was interrogated.

    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 7.1.2: Debt Counsellors could ask the following questions. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 41.

    Related clauses

    7.1
    Annexure B
    Required Expenses
    7.1.1
    Annexure B
    Rental, where no bond
    7.1.3
    Annexure B
    Groceries (food, toiletries, cleaning materials) - groceries
    7.1.4
    Annexure B
    Water & Lights (if not part of rental)
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    Based on NCR Guideline 001/2015, p. 41. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.