{"uid":"cap_CF9wC-yg-4LoArGuOYM5d","slug":"zaref-nca-maximum-interest-rate-calculator-deb91b69","name":"zaref NCA Maximum Interest Rate Calculator","description":"South African nca-max-rate calculator. Maximum lawful interest rate for a credit agreement under NCA Regulation 42 Table A, at the current or a given repo rate. Computed from officially-sourced tables. Example: /calc/nca-max-rate?type=unsecured","url":"https://zaref.dev/calc/nca-max-rate?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET"],"type":"string"},"queryParams":{"type":"object","properties":{"repo":{"type":"string"},"type":{"type":"string"},"subsequent_loan":{"type":"string"}}}},"additionalProperties":false}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_QT7UwFMVoacq1TTO2F8Ie","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates the maximum permissible interest rate for a loan under South Africa's National Credit Act (NCA) regulations","exampleAgentPrompt":"What is the maximum interest rate allowed under the South African National Credit Act for a personal unsecured loan, using the current repo rate?","exampleUseCases":[{"title":"Loan compliance rate check","prompt":"I'm a South African lender offering unsecured personal loans — what's the NCA maximum interest rate I'm legally allowed to charge right now?"},{"title":"Mortgage rate ceiling lookup","prompt":"Can you calculate the NCA maximum rate for a home mortgage loan in South Africa? I want to make sure our rate offering is within the legal limit."},{"title":"Subsequent short-term loan rate cap","prompt":"What's the NCA maximum rate for a subsequent short-term loan in South Africa — I need it for a fintech app that checks borrower offers for compliance."}],"resultDescription":"Returns a JSON object containing the computed NCA maximum interest rate for the specified loan type, the formula used (typically repo rate + a fixed margin), the current repo rate input, and a citation to the relevant NCA regulation or government gazette.","failureModes":["Invalid loan type enum returns a 400-level error","Missing required 'type' or 'method' parameters cause validation failure","Stale repo rate data if underlying source has not been refreshed","Unknown or unsupported loan category returns an error or null result"],"whenToPreferThis":"Use this endpoint when you need a quick, authoritative, cited computation of the NCA interest rate ceiling for a specific South African loan type — especially in fintech apps, lending platforms, or compliance tools that must verify whether offered rates are legally permissible under South African consumer credit law. Prefer this over manual calculation or raw SARB data lookups when you need a clean, ready-to-use JSON answer with the formula and regulatory reference included.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-22T18:42:39.793Z","isFirstParty":false,"canonicalSlug":"zaref-nca-maximum-interest-rate-calculator-deb91b69"}