Juristic persons with an asset value over R1mil are exempt from the NCA, by this clause,

4. (1) Subject to sections 5 and 6 (deals with incidental credit agreements and juristic persons), this Act applies to every credit agreement between parties dealing at arm's length and made within, or having an effect within, the Republic, except-

(a) a credit agreement in terms of which the consumer is-

(i) a juristic person whose asset value or annual turnover, together with the combined asset value or annual turnover of all related juristic persons, at the time the agreement is made, equals or exceeds the threshold value determined by the Minister in terms of section 7(1) (currently set at R1 000 000.00);
and the definition of a juristic person under the NCA is,

"juristic person" includes a partnership, association or other body of persons, corporate or unincorporated, or a trust if-

(a) there are three or more individual trustees; or

(b) the trustee is itself a juristic person, but does not include a stokvel;
Now if a juristic person enters into a loan agreement (e.g. purchasing a property) there is often a surety associated with that. Let's say that one of the members/trustees/etc. signs the surety and co-principal debtor. Effectively they are liable for the loan in the case that the juristic person is unable to fulfil the agreement.

Can, or does, the surety signers debt-to-income ratio play any role in their ability to sign surety?