interest-only
What are we supposed to invest in now that interest rates have disappeared?
Reserve Bank statistics show New Zealanders increased the amount in their bank accounts by another $1.2 billion last month and the annual rate of saving is now at its highest level in nearly three years; business lending, however, has dried up
31st Aug 20, 3:33pm
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Reserve Bank statistics show New Zealanders increased the amount in their bank accounts by another $1.2 billion last month and the annual rate of saving is now at its highest level in nearly three years; business lending, however, has dried up
Reserve Bank statistics show New Zealanders increased the amount in their bank accounts by $10.6 billion in the four months to the end of June; separately an RBNZ survey shows Kiwis are becoming less worried about losing their jobs
3rd Aug 20, 4:09pm
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Reserve Bank statistics show New Zealanders increased the amount in their bank accounts by $10.6 billion in the four months to the end of June; separately an RBNZ survey shows Kiwis are becoming less worried about losing their jobs
New Reserve Bank figures show that despite plunging interest rates Kiwis put the most money away in term deposits last month for a year
30th Jun 20, 3:28pm
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New Reserve Bank figures show that despite plunging interest rates Kiwis put the most money away in term deposits last month for a year
The number of borrowers going interest only increases, as 24% of housing and 41% of business loans were interest only at the end of April
29th May 20, 5:57pm
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The number of borrowers going interest only increases, as 24% of housing and 41% of business loans were interest only at the end of April
The Reserve Bank says 21% of all housing loans are now interest only, while the wage subsidy saw household deposits boosted by over $4.5 billion
30th Apr 20, 3:38pm
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The Reserve Bank says 21% of all housing loans are now interest only, while the wage subsidy saw household deposits boosted by over $4.5 billion
Latest Reserve Bank figures show we have been gearing ourselves up with mortgages - but personal borrowing and agricultural debt have reduced
31st Mar 20, 3:37pm
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Latest Reserve Bank figures show we have been gearing ourselves up with mortgages - but personal borrowing and agricultural debt have reduced
Banks have reduced the interest rates they use to test mortgage borrowers' ability to repay loans this year, but are increasingly interested in borrowers' expenses as they calculate their ability to service loans
20th Dec 19, 5:00am
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Banks have reduced the interest rates they use to test mortgage borrowers' ability to repay loans this year, but are increasingly interested in borrowers' expenses as they calculate their ability to service loans
With interest rates down and seemingly heading ever lower, David Hargreaves ponders how long the remarkable restraint being shown by the New Zealand public will last for
2nd Aug 19, 10:00am
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With interest rates down and seemingly heading ever lower, David Hargreaves ponders how long the remarkable restraint being shown by the New Zealand public will last for
Latest Reserve Bank figures show that annual mortgage growth has slowed for the first time since last November
31st Jul 19, 3:44pm
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Latest Reserve Bank figures show that annual mortgage growth has slowed for the first time since last November
New Reserve Bank lending by borrower type figures show lowest March borrowing total since at least 2015, but the First Home Buyers are still out and about
29th Apr 19, 3:34pm
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New Reserve Bank lending by borrower type figures show lowest March borrowing total since at least 2015, but the First Home Buyers are still out and about
Westpac economists say if the Reserve Bank doesn't cut interest rates in May there may be no cut at all over the rest of the calendar year
23rd Apr 19, 11:03am
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Westpac economists say if the Reserve Bank doesn't cut interest rates in May there may be no cut at all over the rest of the calendar year
Westpac economists say an Official Cash Rate reduction could cause mortgage rates to fall even further, increasing the risk of 'stoking' the housing market
8th Apr 19, 12:57pm
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Westpac economists say an Official Cash Rate reduction could cause mortgage rates to fall even further, increasing the risk of 'stoking' the housing market
While wannabe first home buyers face borrowing eye watering amounts of money just to get into a home, the money they borrow IS at least getting cheaper, thanks to falling interest rates. Is this a trap or an opportunity?
2nd Apr 19, 11:23am
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While wannabe first home buyers face borrowing eye watering amounts of money just to get into a home, the money they borrow IS at least getting cheaper, thanks to falling interest rates. Is this a trap or an opportunity?
Two months after the Reserve Bank relaxed lending rules for banks there's no sign of a rush for high loan to value ratio loans - meaning the RBNZ may be encouraged to relax the rules again
27th Mar 19, 11:37am
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Two months after the Reserve Bank relaxed lending rules for banks there's no sign of a rush for high loan to value ratio loans - meaning the RBNZ may be encouraged to relax the rules again
David Hargreaves crunches some numbers on the growing proportion of first home buyers in an uncertain housing market
5th Mar 19, 8:00am
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David Hargreaves crunches some numbers on the growing proportion of first home buyers in an uncertain housing market
Latest Reserve Bank monthly figures show mortgage credit growth remains above 6%, while agricultural and business credit are rising again but consumer credit is falling
28th Feb 19, 3:29pm
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Latest Reserve Bank monthly figures show mortgage credit growth remains above 6%, while agricultural and business credit are rising again but consumer credit is falling
Latest Reserve Bank figures show first home buyers getting a record high share of new mortgage money for the second consecutive month
27th Feb 19, 3:47pm
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Latest Reserve Bank figures show first home buyers getting a record high share of new mortgage money for the second consecutive month
Latest Reserve Bank monthly figures show mortgage credit growth remains above 6%, while non-bank lending has surged in the past month
31st Jan 19, 3:43pm
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Latest Reserve Bank monthly figures show mortgage credit growth remains above 6%, while non-bank lending has surged in the past month
Latest Reserve Bank monthly figures show first home buyers getting a record high share of new mortgage money last month
29th Jan 19, 3:50pm
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Latest Reserve Bank monthly figures show first home buyers getting a record high share of new mortgage money last month
Latest Reserve Bank monthly figures show the share of borrowing by the housing investor is continuing to drop sharply to new lows
20th Dec 18, 3:30pm
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Latest Reserve Bank monthly figures show the share of borrowing by the housing investor is continuing to drop sharply to new lows
Kiwibank economists think the LVR 'speed limit' will be raised to 20% of new bank lending this week - but would like to see it at 25%; say the 'temporary' LVRs are set to be with us for good
26th Nov 18, 1:48pm
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Kiwibank economists think the LVR 'speed limit' will be raised to 20% of new bank lending this week - but would like to see it at 25%; say the 'temporary' LVRs are set to be with us for good
David Hargreaves says the first half of next year should give us a much clearer idea of which way the housing market will go
23rd Nov 18, 9:26am
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David Hargreaves says the first half of next year should give us a much clearer idea of which way the housing market will go
ANZ economists see continued strength in the regional housing markets with further 'catch-up' on Auckland prices
20th Nov 18, 11:02am
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ANZ economists see continued strength in the regional housing markets with further 'catch-up' on Auckland prices
Kiwibank economists say latest house sales figures show a 'well behaved' market and so there is 'every possibility' of the RBNZ further relaxing lending limits
14th Nov 18, 11:45am
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Kiwibank economists say latest house sales figures show a 'well behaved' market and so there is 'every possibility' of the RBNZ further relaxing lending limits