Nedbank's March 2026 Economic Insights, drawing on SARB household-finance data, reported that the debt-service-cost ratio had eased for a sixth consecutive quarter and that firmer house prices contributed to improved household net wealth. Household debt to disposable income remained broadly stable while lower interest rates had reduced servicing pressure through 2025.
The practical property impact
Household debt-service capacity is an important backdrop to mortgage affordability, arrears risk and buyers' ability to absorb housing costs alongside other debt obligations.
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