Repayment Term Extension Limits
The proposed term limits (established with a view to offer the consumer a reasonable rehabilitation horizon) are outlined in the table below:
Mortgages — Extension limit: Up to 240 months from date of restructure subject to maximum repayment term of 360 months from inception of the loan.
VAF (Vehicle and Asset Finance) — Up to 1.5 times contractual term from inception subject to 84 months limit (private vehicles). Up to 1.25 times contractual from inception subject to 84 months limit (commercial vehicles).
Credit facilities, other & incidental credit agreements without defined term (balance R3 601 plus) — Deemed contractual term: 24 months from date of restructure. Extension limit: 60 months from date of restructure.
Credit facilities, other & incidental credit agreements without defined term (balance R1 501 to R3 600) — Deemed contractual term: 12 months from date of restructure. Extension limit: 36 months from date of restructure.
Credit facilities, other & incidental credit agreements without defined term (balance up to R1 500) — Deemed contractual term: 12 months from date of restructure. Extension limit: 18 months from date of restructure.
Unsecured and short term credit transactions, other and incidental credit agreements with defined term (balance R3 601 plus) — Extension limit: 60 months from date of restructure.
Unsecured and short term credit transactions, other and incidental credit agreements with defined term (balance R1 501 to R3 600) — Extension limit: 36 months from date of restructure.
Unsecured and short term credit transactions, other and incidental credit agreements with defined term (balance up to R1 500) — Extension limit: 18 months from date of restructure.
NDRC Practice NoteLast reviewed 2026-04
Term extensions are capped to give the consumer a defined rehabilitation horizon rather than an open-ended proposal. The table sets per-product maximums: longer for mortgages, shorter for unsecured credit.
Proposals that exceed the table maximums attract immediate creditor objection and are difficult to defend in court. The maximums are the bargaining ceiling, not the starting point.
Aligned with NCA s 86(7)(c)(ii) and the NCR's published rearrangement guidance.
Drawn from NDRC's active case work. For your situation, see our debt counselling overview.
Cite this clause
National Credit Regulator. (2015). Annexure D — Consensual Debt Restructuring Rules, clause 5: Repayment Term Extension Limits. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 66.