Free NCR Affordability Assessment | Sphathis Financial Services

Step 1 of 5 · Reg 23A(4) — Income Validation

Consumer Identity & Gross Income

All income from all sources without deductions (Regulation 23A definition of "gross income"). Verification documents will be required on application.

Consumer Identification

Full Name *Required

SA ID Number *Must be 13 digits

Date of Application *

Assessment Reference

Phone Number *

Email Address *

Employment Status & Income Verification

Employment Status *

Required

Employer / Business Name

How long employed / in business?

Gross Income (All Sources — No Deductions)

Monthly Gross Salary *

Pre-tax salary from main employer

Required — enter 0 if none

Other Income (Monthly)

Rental income, freelance, maintenance received, grants

Number of Dependants

Marital Status

Statutory Deductions (Auto-calculated)

Income Tax (PAYE)

Estimated — verify with payslip

Estimated from SARS tables

UIF (Unemployment Insurance)

1% of gross income (max R177.12)

Non-Statutory Deductions (from payslip)

Pension / Provident Fund

Typically 7.5% of gross

Medical Aid (Employee portion)

Monthly medical aid contribution

Garnishee / Emolument Order

Court-ordered salary deductions

Maintenance Payments

Court-ordered maintenance obligations

Other Payslip Deductions

Staff loans, savings, insurance via payroll

Net Income After All Deductions

Gross Income minus all deductions above

R 0.00

⚠️ Legal obligation: You must accurately disclose ALL credit obligations to enable a proper assessment (NCA s.81(4)(b)). Enter R 0 if you have no obligation of that type.

Credit Type

Outstanding Balance

Monthly Instalment

🏠 Mortgage / Home Bond

Bond repayment to bank

🚗 Vehicle Finance

Car / motorbike finance

💳 Credit Card(s)

Minimum monthly payment

🛒 Store / Retail Accounts

Clothing accounts, furniture etc.

🏦 Personal / Bank Loans

Any bank or personal loans

💰 Micro / Short-term Loans

Other credit providers, stokvels

👨‍👧 Maintenance / Support Payments

Court-ordered maintenance to dependants

📋 Other Obligations

Any other monthly commitments

Are you currently under Debt Review?

Do you have an Administration Order?

Have you been sequestrated / declared insolvent?

🏛️ NCR Minimum Expense Norm — Regulation 23A(10) Table 1

Your Gross IncomeR 0

NCR Minimum Living ExpensesR 0

Amount that will be used in assessmentR 0 (NCR minimum applies)

Expense Category

Monthly Amount

🏠 Rent / Accommodation

If not captured in bond above

🛒 Food & Groceries

Monthly grocery spend

🚌 Transport

Taxi / bus / fuel / vehicle running costs

💡 Utilities

Electricity, water, refuse (not via bond)

📱 Communication

Airtime, data, internet, DSTV

🎓 Education

School fees, university, stationery

💊 Medical / Healthcare

Out-of-pocket medical expenses

🛡️ Insurance Premiums

Life, household, funeral policies not via payroll

👶 Childcare / Domestic

Crèche, domestic worker, baby expenses

🍔 Other Necessary Expenses

Clothing, personal care, other essentials

Declared Actual Expenses (Total)

Sum of all expense items above

R 0.00

⏳

Calculating…

Assessment Reference

–

Assessment Date

–

Assessed Consumer

–

📊 Full NCR Regulation 23A Calculation

Record Retention Notice: This affordability assessment and all supporting information will be retained for a minimum of 5 years as required by the National Credit Act and the Protection of Personal Information Act. This record may be used as evidence of a responsible lending assessment.

By submitting, you confirm the above declaration under the National Credit Act 34 of 2005. Sphathis Financial Services is a registered NCR credit provider. This assessment does not constitute a guarantee of credit approval.

📊 Live Affordability Snapshot

Gross IncomeR 0

Total Deductions- R 0

Net IncomeR 0

Living Expenses (used)- R 0

Debt Obligations- R 0

Discretionary Income

R 0

Complete form for result

📋 Assessment Progress

Identity & Income

Statutory Deductions

Credit Obligations

Living Expenses

Result & Declaration

🏛️ NCR Reg 23A — How It Works

1️⃣Gross Income: All income from all sources before any deductions

2️⃣Less Deductions: PAYE, UIF, pension, medical, garnishees

3️⃣Less Living Expenses: Higher of actual declared or NCR minimum norm

4️⃣Less Existing Debt: All current credit agreement instalments

✅= Discretionary Income: Available for new credit instalment

📋 NCR Minimum Expense Norms — Reg 23A(10) Table 1

Gross Income	Min. Expenses
Up to R2,500	R 800
R2,501 – R5,000	R 800 + 5%
R5,001 – R10,000	R 925 + 5%
R10,001 – R50,000	R 1,175 + 6%
Above R50,000	R 3,575 + 3.5%

Per Regulation 23A(10) Table 1 — National Credit Regulations 2015. Higher of actual or norm used per Reg 23A(9).

Pre-Agreement Affordability Assessment

Consumer Identity & Gross Income

Statutory & Non-Statutory Deductions

Existing Credit Obligations & Debt

Necessary Living Expenses

Assessment Result & Consumer Declaration

📊 Live Affordability Snapshot

📋 Assessment Progress

📋 NCR Minimum Expense Norms — Reg 23A(10) Table 1

Pre-Agreement Affordability Assessment

Consumer Identity & Gross Income

Statutory & Non-Statutory Deductions

Existing Credit Obligations & Debt

Necessary Living Expenses

Assessment Result & Consumer Declaration

📜 Consumer Declaration — NCA Section 81(4)

📊 Live Affordability Snapshot

📋 Assessment Progress

📋 NCR Minimum Expense Norms — Reg 23A(10) Table 1

Assessment Submitted