This is an extract of questions posed to the National Credit Regulator:

Q: While a lease of immovable property is exempt what happens if the lessee is in arrears and interest is levied? Is this an incidental credit agreement?

A. Since a lease of immovable property is excluded from the ambit of the NCA, any attempt to collect any arrear rental connected to a lease of immovable property would be outside of the ambit of the NCA.