What can I afford to borrow?
A loan you cannot comfortably repay is not help, it is a heavier month waiting for you. The honest rule of thumb: your repayment should fit inside what is genuinely left over, not inside what you hope will be left over.
Left-over money check
| Left over | R0.00 |
|---|---|
| A comfortable repayment | R0.00 |
| Slice that fits, repaid in one month | R0 |
We use half of what is left over, because months surprise people. This is a rule of thumb, not an offer. A real application gets a proper affordability assessment, as the National Credit Act requires.