debt to income ratios
Unprecedented net migration has little effect on monetary policy as younger people arrive, but macro-prudential tools may help if it feeds through to higher house prices, RBNZ says
9th Feb 17, 12:41pm
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Unprecedented net migration has little effect on monetary policy as younger people arrive, but macro-prudential tools may help if it feeds through to higher house prices, RBNZ says
Finance Minister says he wants full 'cost benefit analysis' and public consultation before considering introduction of debt-to-income ratios for house buying; DTIs now very unlikely before election
8th Feb 17, 1:09pm
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Finance Minister says he wants full 'cost benefit analysis' and public consultation before considering introduction of debt-to-income ratios for house buying; DTIs now very unlikely before election
RBNZ warns in Financial Stability Report that housing imbalances remain; Wheeler says won't use Debt To Income multiple restriction 'at this time'; RBNZ notes rising use by banks of 'hot' overseas funds
30th Nov 16, 9:18am
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RBNZ warns in Financial Stability Report that housing imbalances remain; Wheeler says won't use Debt To Income multiple restriction 'at this time'; RBNZ notes rising use by banks of 'hot' overseas funds
RBNZ Governor says still in talks about including Debt to Income multiple limit in tool kit, but wouldn't use it right now because housing market has moderated; says English posing many questions on DTI
10th Nov 16, 1:10pm
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RBNZ Governor says still in talks about including Debt to Income multiple limit in tool kit, but wouldn't use it right now because housing market has moderated; says English posing many questions on DTI
Westpac annual cash profit falls as expenses rise faster than income, net interest margin falls 12 basis points
7th Nov 16, 10:05am
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Westpac annual cash profit falls as expenses rise faster than income, net interest margin falls 12 basis points
ANZ NZ CEO says volume of Auckland apartment developments falling over not a problem yet, debt-to-income ratio limits 'complex,' new LVR investor restrictions working
5th Nov 16, 6:02am
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ANZ NZ CEO says volume of Auckland apartment developments falling over not a problem yet, debt-to-income ratio limits 'complex,' new LVR investor restrictions working
The Government is showing signs of wanting to call all the shots on the housing market itself next year
3rd Nov 16, 8:19am
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The Government is showing signs of wanting to call all the shots on the housing market itself next year
Finance Minister cautious about Reserve Bank hopes for Debt to Income multiple limits; say looking closely at unintended consequences; Key says Auckland housing market stabilising; points Mt Roskill voters to low interest rates
2nd Nov 16, 7:12pm
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Finance Minister cautious about Reserve Bank hopes for Debt to Income multiple limits; say looking closely at unintended consequences; Key says Auckland housing market stabilising; points Mt Roskill voters to low interest rates
BNZ economists cast doubts on the Reserve Bank being soon able to introduce new income-related mortgage limits
31st Oct 16, 1:21pm
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BNZ economists cast doubts on the Reserve Bank being soon able to introduce new income-related mortgage limits
BNZ CEO Anthony Healy says RBNZ must be careful with DTI tool not to lock young first home buyers out of the housing market
29th Oct 16, 5:02am
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BNZ CEO Anthony Healy says RBNZ must be careful with DTI tool not to lock young first home buyers out of the housing market
The RBNZ is keen to bolster its macro-prudential arsenal with a debt-to-income ratio limiting tool. What might this mean for borrowers, banks, the housing market & politicians?
24th Oct 16, 5:02am
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The RBNZ is keen to bolster its macro-prudential arsenal with a debt-to-income ratio limiting tool. What might this mean for borrowers, banks, the housing market & politicians?
NZ Bankers' Association completes about face on 'weak tool with low welfare gains', but is wary of RBNZ move towards debt-to-income ratio limits & making banks hold more capital against housing loans
12th Aug 16, 1:21pm
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NZ Bankers' Association completes about face on 'weak tool with low welfare gains', but is wary of RBNZ move towards debt-to-income ratio limits & making banks hold more capital against housing loans
Treasury Secretary warns Aucklanders could struggle to pay their mortgages in the event of a downturn causing a knock on effect on banks and the wider economy
21st Jun 16, 4:01pm
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Treasury Secretary warns Aucklanders could struggle to pay their mortgages in the event of a downturn causing a knock on effect on banks and the wider economy
RBNZ's Wheeler signals tougher loan to value ratio controls for investors 'towards the end of the year, or before that'; says debt to income controls a longer term prospect; confirms already in talks with English
9th Jun 16, 1:05pm
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RBNZ's Wheeler signals tougher loan to value ratio controls for investors 'towards the end of the year, or before that'; says debt to income controls a longer term prospect; confirms already in talks with English
Bernard Hickey argues Auckland's leaders need to aim more for growth per capita rather than just growth for the sake of it. The current low-to-no productivity growth model isn't working for most in the city and that's bad for New Zealand
5th Jun 16, 5:02am
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Bernard Hickey argues Auckland's leaders need to aim more for growth per capita rather than just growth for the sake of it. The current low-to-no productivity growth model isn't working for most in the city and that's bad for New Zealand
The Co-operative Bank lifts profit, increases rebates for member-customers and unveils $30 mln issue of debt securities
3rd Jun 16, 12:19pm
The Co-operative Bank lifts profit, increases rebates for member-customers and unveils $30 mln issue of debt securities
New Zealand's risk-averse savers would dearly love to invest in infrastructure bonds to fund Auckland's growth. The Auckland Council and the Government should help make that happen
22nd May 16, 5:02am
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New Zealand's risk-averse savers would dearly love to invest in infrastructure bonds to fund Auckland's growth. The Auckland Council and the Government should help make that happen
Circle August 19 and November 30 in your 2016 calendars because decisions on those days by the Auckland Council and the Reserve Bank respectively could determine house prices, interest rates, the Kiwi dollar and mortgage lending limits for years to come
15th May 16, 5:02am
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Circle August 19 and November 30 in your 2016 calendars because decisions on those days by the Auckland Council and the Reserve Bank respectively could determine house prices, interest rates, the Kiwi dollar and mortgage lending limits for years to come
PM and Finance Minister say they're open to RBNZ proposal for new Macro-Prudential measures, including debt-to-income limits
11th May 16, 4:13pm
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PM and Finance Minister say they're open to RBNZ proposal for new Macro-Prudential measures, including debt-to-income limits
Fitch says big 4 NZ banks' funding tasks manageable, notes 'potential risk' of households overstretching themselves
14th Mar 16, 4:02pm
Fitch says big 4 NZ banks' funding tasks manageable, notes 'potential risk' of households overstretching themselves
Borrowers ignore Wheeler's warning about the threat of high housing debt, with new home loans taken out last week totaling a record $1.6b & the average mortgage value nearly hitting $217k
18th Dec 15, 7:02am
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Borrowers ignore Wheeler's warning about the threat of high housing debt, with new home loans taken out last week totaling a record $1.6b & the average mortgage value nearly hitting $217k
Bernard Hickey finds more than a quarter of landlords have loans worth more than seven times income. No wonder the Reserve Bank may have to resort to limiting those multiples
15th Nov 15, 5:02am
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Bernard Hickey finds more than a quarter of landlords have loans worth more than seven times income. No wonder the Reserve Bank may have to resort to limiting those multiples
The Reserve Bank looks intent on giving itself the best range of tools available to tackle the rampant house market
12th Nov 15, 11:55am
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The Reserve Bank looks intent on giving itself the best range of tools available to tackle the rampant house market
The Reserve Bank says it's not considering DTIs 'at this point'. But it's gathering an awful lot of information on the subject...
11th Nov 15, 2:05pm
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The Reserve Bank says it's not considering DTIs 'at this point'. But it's gathering an awful lot of information on the subject...
NZIER says Bank of England's new tool to manage financial stability is better than RBNZ's high LVR limits which don't take into account households’ long-term ability to service debt
2nd Jul 14, 11:53am
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NZIER says Bank of England's new tool to manage financial stability is better than RBNZ's high LVR limits which don't take into account households’ long-term ability to service debt