About Hafiz
Hafiz started out as a consumer finance journalist before focusing his writing on affordability and household debt management. He explains the debt service ratio (DSR), monthly commitments and budget planning in plain, easy-to-understand language. At KiraLoan, Hafiz makes sure readers not only know their monthly instalment, but also whether that instalment is comfortable relative to their income.
Qualifications & Experience
- 7 years writing consumer finance content
- Former finance & lifestyle journalist
- Focus: DSR, household budgeting, managing commitments & debt
Areas of Expertise
How we work
Every KiraLoan calculator and guide is reviewed for accuracy: formulas are verified, bank rates are marked as indicative, and we do not invent figures that have no official source. Read our full methodology & data sources →
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