Ndzinga Knowledge Centre
Borrow with the full picture — cost, affordability and your rights.
Educational content from a registered credit provider — NCR Reg: NCRCP22127 · FSP: 55648
Responsible credit starts before you sign. It means knowing the full cost of a loan, checking that the repayments fit your budget, and understanding the rights the National Credit Act gives you as a borrower. The articles in this section walk through affordability, the total cost of credit, and the questions worth asking any lender before you commit. Ndzinga Capital is a registered credit provider, and every credit agreement is subject to an affordability assessment and pre-agreement disclosure — so you see the rate, the fees and the total repayment before you decide.
Before a registered lender approves credit, the National Credit Act requires an affordability assessment. Here is what it checks and how to walk in prepared.
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Credit only helps when it is understood before it is signed. A plain-language checklist for borrowing responsibly in South Africa — cost, affordability, your record and your rights.
Read articleIt means borrowing an amount you can comfortably repay from your income after your existing commitments, for a purpose that adds value, and with a clear view of the total cost of credit. A registered lender assesses affordability before approving any loan.
Compare the monthly repayment against the income you have left after rent, food, transport and existing debt. Under the National Credit Act, a registered credit provider must complete an affordability assessment before granting credit.
A pre-qualification or affordability estimate is designed to help you plan. A formal credit application is recorded with the credit bureaux, so apply only when you intend to take up the loan.
