Case File #002: 106% DTI Restructured to 40.0% Tier-1 Bank Approval
Forensic Casework & Anonymization Notice: Published as an institutional case file. Financial figures, DTI recalibration telemetry, and milestone timestamps are from real casework records. Specific account credentials and personal identifiers have been redacted for confidentiality. Supporting bank letters and settlement certificates verified.
The Bottleneck & Capital Restructure
Capacity Overload: R16,883/mo commitments on R17,500/mo net salary (96.5% baseline burden).
Zero systemic arrears. Only 1 single missed monthly installment of R861 (settled immediately).
Deployed R88,810 from an available payout to clear 4 retail debts, freeing +R12,618/mo.
Source: CBF internal recovery platform — live pilot data
Source: CBF internal recovery platform — live pilot data
Bureau Clearance & Closed-Loop Approval
Paid-Up letters filed under Section 72; all 4 settled facilities marked closed on bureau tapes.
Only FNB bond retained (R4,265/mo). Total debt with vehicle (R2,735/mo) recalibrated to 40.0% Final DTI (R7,000/mo on R17,500 net).
File returned to dealership F&I desk; WesBank Tier-1 approved vehicle finance at R2,735/mo with zero deposit on Day 42.
Source: CBF internal recovery platform — live pilot data
Source: CBF internal recovery platform — live pilot data
42-Day Turnaround Milestones
Paid R861 missed installment; deployed R88,810 payout to clear 4 non-mortgage facilities.
Obtained statutory Paid-Up letters; updated SACRRA monthly reporting tapes.
Experian tapes confirmed accounts closed; DTI compressed to 24.4% bureau / 40.0% with vehicle.
Returned to referring dealership floor; DTI compressed to 40.0% (R2,735/mo installment headroom) clearing debt-capacity hurdles for showroom vehicle resubmission on Day 42.
Underwriting Reality: Less than 10% of showroom declines qualify for this fast-track because most buyers lack available liquid capital to settle accounts immediately. Those without excess cash require structured 90–180 day bank conduct seasoning and statutory Section 72 dispute settlements (as shown in Case Files #001 and #003).