So my final question is this: Is the above scenario simply the result of an escalation in the sense of a standard lease that is not within the jurisdiction of the NCA or do we have a wolf disguised as a sheep? Therefore, the NCA will not apply to commercial real estate loans unless the consumer is a natural person. Please contact us at 27 11-788-0083 if you have firstname.lastname@example.org other requests or an email. Can the fixed rent increase of 15% per year be equated with a deferral of rent payable to a future date, for the reason why a variable tenancy agreement referred to in Professor Otto`s article can be equated with this? The increased portion of the rent for the second year is in fact a fact “deferred” to the second year and the next. Or is rent increase merely what it seems to be: an annual escalation of rent that is not unusual in the case of common law leasing? Or is this the part where hidden interests and winnings come into play? Furthermore, if we assume that the “plus part” of future rents is a deferral of a debt already due, but which must only be paid in the second and subsequent years, where should the costs, taxes or interest be paid under the contract or the deferred amount? Can it be said that a tax or fees or interest is also included in the annual increase as a percentage of the rent payable? The fact is that it is not a rent for housing for the duration of the lease, as in Michael`s Bid a House. If the tenant pays in our example first, say R 303 per month, with regard to the tenancy agreement and the duration of that contract is z.B. five years, he will pay the fifth year 529.95 R per month. Almost double the original rent. For the duration of the tenancy agreement with the increased annual rents, he will pay the total amount of R 24,515.04, whereas if he had been paid a non-variable lump sum, he would have paid only R18,180. Is the difference simply the result of a normal escalation or can it be considered interest, fees or profits in disguise? The CPA does not apply, among other things, to those in which the State is involved in leases, those agreements within the meaning of the National Credit Act and in cases where both parties are legal entities, including an entity within the meaning of the CPA; Partnership or association or trust for the purposes of this CPA.