They want to know your commitments or expenses to help them calculate the household's net disposable income. But, the most surprising thing is the monthly commitment section is so basic.

Regarding loans, I understand (probably a BAFIA Act confidentiality concern), but why aren't our monthly expenses/commitment for utilities such as electricity, water, and broadband/mobile access included in our net disposable income calculation? Are they more challenging parameters to consider? At least it considers education expenses which it usually a burden for some families with many children.