PROFESSIONAL CREDIT READINESS & DEBT RELIEF ASSESSMENT

Turn a complicated debt position into a clear next step.

Capture the client’s full monthly position, test proposed credit, explain the affordability result, and compare an indicative debt-restructuring scenario—all in one private browser session.

Assessment1 of 8

Session onlyRefreshing or closing this page clears the assessment.

Step 1 of 8

01 · CLIENT PROFILE

Start with the facts that shape risk.

Capture only what is needed for this consultation. Supporting documents remain outside the calculator.

Personal information

Client context

Full name or client reference Required ID number Optional Date of birth Marital status Dependants Years at current address Residential area or address Optional

Employment stability

Income consistency

Employer Employer industry Occupation Employment type Years with employer Total years employed Payday On probation?

Banking behaviour

Recent account conduct

Primary bank Years with bank Salary paid into account? Salary paid regularly? Returned debit orders · 6 months Overdraft limitR Average overdraft useR Unpaid debit orders? Gambling transactions? Savings balanceR

Credit bureau information

Enter from a current report

Credit score Open accounts Enquiries · 12 months Worst payment profile Defaults Judgments Debt review? Administration order? Sequestration?

02 · MONTHLY INCOME

Build an income figure that can be explained.

Use a typical month and verify variable income against supporting documents.

Gross income

Before deductions

−

Deductions

Payroll and statutory

Calculated gross incomeR0

Calculated net incomeR0

Captured net income Optional overrideR

✓

Verification checklist

Evidence available

03 · HOUSEHOLD BUDGET

Use realistic necessary living expenses.

The assessment compares the declared budget with the Regulation 23A minimum-expense norm.

Monthly living expenses

Leave non-applicable categories blank

Declared household budgetR0

Minimum-expense normR0

Necessary expenses usedR0

Enter gross income and expenses to compare the budget.

04 · CREDIT & NET WORTH

Capture every contractual repayment.

Monthly instalments drive affordability. Balances drive the DCRS illustration and net-worth context.

Credit accounts

Assets

Conservative current values

−

Other liabilities

Outside the account schedule

05 · PROPOSED CREDIT

Test the repayment—not a promise of approval.

The model constrains the scenario using post-loan cash flow, debt-to-income and a configurable safety margin.

Possible credit scenario

All figures are indicative

Loan type Required for scenario Amount requiredR Deposit availableR Desired termmonths Annual interest rate% Security or asset valueR Purpose Quoted monthly instalment OptionalR

Amount financedR0

Calculated instalmentR0

Rate +2pt instalmentR0

Maximum indicated amountR0

What “maximum indicated” means

It is a mathematical illustration based on the entered income, expenses, existing debt, selected DTI threshold and safety margin. It is not a lending limit, quotation, recommendation or pre-approval.

06 · ASSESSMENT

Explain the result with evidence, not fear.

The Alliance readiness index is transparent and advisory. It is not a bank score or approval probability.

Assessment net incomeR0

Existing debt paymentsR0

Current amount remainingR0

Proposed instalmentR0

Post-loan amount remainingR0

Post-loan DTINot available

Score composition

Visible weighting

Risk and verification flags

What needs discussion

Product-specific indicators

Same scenario, different thresholds

Personal loanNot tested

Vehicle financeNot tested

Home loanNot tested

PRACTICAL NEXT STEP

Complete the assessment to generate a consultation direction.

Where another repayment appears unsustainable, move to the debt-relief comparison instead of encouraging further borrowing.

07 · DEBT RELIEF

Compare the present burden with an indicative DCRS scenario.

Defaults are adjustable for consultation. This is not official DCRS output and does not promise concessions.

Available for debtR0

Current paymentsR0

Illustrated paymentsR0

Monthly reliefR0

Scenario statusAdd credit accounts

Account-by-account illustration

Override rates, terms or payments where appropriate

Important DCRS limitation

Actual proposals depend on the authorised DCRS process, proposal cascading, creditor responses, fees, legal requirements and the client’s circumstances. Use this comparison to explain direction—not to represent an approved restructuring plan.

08 · EVIDENCE REVIEW & REPORT

Screen the agreement, then document the conversation.

Reckless-lending conclusions require agreement-level evidence and appropriate legal analysis.

Agreement at date of grant

Historical figures

Credit provider Agreement type Agreement date Net income at grantR Living expenses at grantR Existing debt at grantR New instalmentR

Section 81 / affordability evidence checklist

Answer from the client file

Negative answers0

Unknown answers0

Open answers12

Grant-date disposableR0

Incomplete — continue the evidence review

PERSONAL FINANCIAL ASSESSMENT

Illustrative Credit & Debt Position

Prepared from the information captured during this browser session

Date
Reference: ADC-SESSION

Prepared forClient not yet captured

INDICATIVE ASSESSMENT RESULT

Complete the assessment

Complete the financial profile to generate a client-ready explanation.

0/100Alliance readiness index

INDICATIVE MONTHLY PAYMENT RELIEFR0

Add and review credit accounts to calculate an illustrative restructuring comparison.

Current monthly paymentsR0

Illustrated paymentsR0

Indicative monthly reliefR0

Remaining after illustrationR0

Client & budget summary

Proposed credit impact

ACCOUNT-BY-ACCOUNT ILLUSTRATION

How the monthly payments could change

Adjustable consultation scenario

Credit account	Outstanding	Current payment	Illustrated rate	Term	Illustrated payment	Monthly relief
Add credit accounts to create the comparison.
Total		R0			R0	R0

Transparent score composition

Evidence & risk review

What this result means

RECOMMENDED DIRECTION

Complete the assessment to generate a recommended direction.

Verify income, living expenses and every credit agreement.
Discuss suitability with a registered debt counsellor.
Prepare an official proposal only after the full statutory process.

Important notice

The illustrated restructuring figures use adjustable assumptions and are not official DCRS output. Actual repayment terms, interest rates, creditor concessions and legal outcomes may differ.

PERSONAL CREDIT & DEBT POSITION

AFFORDABILITY ASSESSMENT • CREDIT READINESS • DEBT RELIEF ILLUSTRATION

Date
Assessment ID

1. Client details

2. Income verification

Income verifiedPending

3. Credit profile summary

—Not captured

Overall result

Alliance readiness index0 / 100Indicative resultIncomplete

Risk positionAssessment pending

4. Monthly expenses (living costs)

Expense category	Amount
Total living expenses used	R0

5. Existing credit (monthly payments)

Credit account	Payment
Total monthly debt	R0

6. Affordability calculations

Post-loan amount remainingR0

7. Key ratios

Current debt-to-incomeTotal debt / gross income

—

Current remaining / net incomeBefore proposed credit

—

Post-loan remaining / net incomeAfter proposed credit

—

New instalment / net incomeProposed repayment

—

8. Credit readiness scorecard (100 points)

Category	Weight	Score	Visual
Total	100	0

9. Account payment illustration

Account	Balance	Current	Illustrated	Relief
Total		R0	R0	R0

Illustrative only. Adjustable assumptions are not official DCRS output.

10. Evidence & risk review

Evidence screenIncomplete

Talk to Alliance

Transparent assumptions. Responsible language.

National Credit Act 34 of 2005 Affordability Assessment Regulations NCR debt counselling guide