debt-to-income ratios
Latest figures show that having stretched themselves further and further in recent times new borrowers are now markedly stepping back from super-high borrowing levels
23rd May 22, 11:27am
60
Latest figures show that having stretched themselves further and further in recent times new borrowers are now markedly stepping back from super-high borrowing levels
The Reserve Bank is forecasting an annual fall in house prices of over 5% by March 2023 and a total fall in prices of about 9%
23rd Feb 22, 3:49pm
106
The Reserve Bank is forecasting an annual fall in house prices of over 5% by March 2023 and a total fall in prices of about 9%
The Reserve Bank's latest mortgage debt-to-income figures suggest the sharp rises in DTI ratios may be coming to an end
21st Feb 22, 12:02pm
73
The Reserve Bank's latest mortgage debt-to-income figures suggest the sharp rises in DTI ratios may be coming to an end
ANZ economists see 'a relatively middle of the road outlook' for a period of weaker-than-average house price growth over 2022, but a gradual return to average over 2023
17th Nov 21, 3:01pm
18
ANZ economists see 'a relatively middle of the road outlook' for a period of weaker-than-average house price growth over 2022, but a gradual return to average over 2023
New Reserve Bank debt to income figures show the extent to which housing investors filled their boots during the low-interest, LVR-free days of last year and into this year
16th Nov 21, 3:25pm
79
New Reserve Bank debt to income figures show the extent to which housing investors filled their boots during the low-interest, LVR-free days of last year and into this year
New figures show house buyers are still stretching themselves ever more as the RBNZ prepares to consult on possible DTI limits
15th Nov 21, 3:51pm
48
New figures show house buyers are still stretching themselves ever more as the RBNZ prepares to consult on possible DTI limits
BNZ to restrict investors and owner-occupiers from getting mortgages worth more than six times their income; ASB already using debt-to-income restrictions
28th Oct 21, 3:30pm
162
BNZ to restrict investors and owner-occupiers from getting mortgages worth more than six times their income; ASB already using debt-to-income restrictions
The Reserve Bank now believes house prices are likely to fall right through from 2022 to 2024; says current prices are unsustainable
18th Aug 21, 4:17pm
133
The Reserve Bank now believes house prices are likely to fall right through from 2022 to 2024; says current prices are unsustainable
RBNZ survey of households finds expectations of higher house prices have actually increased, while mortgage holders are far less worried about meeting payments than renters
16th Aug 21, 11:01am
44
RBNZ survey of households finds expectations of higher house prices have actually increased, while mortgage holders are far less worried about meeting payments than renters
As the Reserve Bank ponders the likely introduction next year of measures to limit high debt-to-income lending, latest figures show Kiwis - particularly first home buyers - are continuing to stretch themselves further and further to buy houses
12th Aug 21, 3:46pm
45
As the Reserve Bank ponders the likely introduction next year of measures to limit high debt-to-income lending, latest figures show Kiwis - particularly first home buyers - are continuing to stretch themselves further and further to buy houses
David Hargreaves says some of the measures put in place to stymie the current hot housing market may prove to be a long-term drag on the market
24th Jun 21, 1:31pm
84
David Hargreaves says some of the measures put in place to stymie the current hot housing market may prove to be a long-term drag on the market
David Hargreaves sifts through the array of remedies targeted at the runaway housing market and tries to assess how it is going so far
23rd Jun 21, 8:30am
87
David Hargreaves sifts through the array of remedies targeted at the runaway housing market and tries to assess how it is going so far
Interest deductibility centre court, as the back and forth between the Government and Reserve Bank over mortgage lending restrictions plays out in the background
17th Jun 21, 3:45pm
40
Interest deductibility centre court, as the back and forth between the Government and Reserve Bank over mortgage lending restrictions plays out in the background
The Reserve Bank does seem set to get a debt-to-income ratio measure in its macro-prudential toolkit - but at a much higher level than it earlier contemplated
16th Jun 21, 12:34pm
72
The Reserve Bank does seem set to get a debt-to-income ratio measure in its macro-prudential toolkit - but at a much higher level than it earlier contemplated
Finance Minister agrees 'in-principle' to give RBNZ debt-to-income tools; Consensus yet to be reached on how the impact on first-home buyers would be minimised
16th Jun 21, 10:29am
128
Finance Minister agrees 'in-principle' to give RBNZ debt-to-income tools; Consensus yet to be reached on how the impact on first-home buyers would be minimised
If the current wave of inflationary pressures prove to be more than just a passing flurry, the Reserve Bank will be forced to raise interest rates. And rising mortgage payments will be a new thing for many mortgage holders
19th May 21, 12:35pm
110
If the current wave of inflationary pressures prove to be more than just a passing flurry, the Reserve Bank will be forced to raise interest rates. And rising mortgage payments will be a new thing for many mortgage holders
Two-thirds of Auckland first home buyers in March borrowed at a DTI of over five - and their mortgage sizes averaged in excess of $750,000 each
18th May 21, 3:35pm
96
Two-thirds of Auckland first home buyers in March borrowed at a DTI of over five - and their mortgage sizes averaged in excess of $750,000 each
As long as interest rates don't rise appreciably, our housing market should be fine. Probably. But inflation is the wild card. Potentially very wild
12th May 21, 1:48pm
60
As long as interest rates don't rise appreciably, our housing market should be fine. Probably. But inflation is the wild card. Potentially very wild
According to the Reserve Bank it now takes over 220% of median disposable household income to fund a 20% deposit on a house
6th May 21, 12:16pm
63
According to the Reserve Bank it now takes over 220% of median disposable household income to fund a 20% deposit on a house
New figures from the RBNZ show that up to 71% of the money being borrowed each month recently by investors for houses has been done on high debt to income ratios
5th May 21, 7:21pm
62
New figures from the RBNZ show that up to 71% of the money being borrowed each month recently by investors for houses has been done on high debt to income ratios
David Hargreaves says the alarming rise in high debt-to-income ratio borrowing highlights why the Reserve Bank should be allowed to implement across-the-board DTI limits without any exceptions
4th Apr 21, 6:31am
83
David Hargreaves says the alarming rise in high debt-to-income ratio borrowing highlights why the Reserve Bank should be allowed to implement across-the-board DTI limits without any exceptions
Latest figures from the Reserve Bank confirm the massive surge in house prices toward the end of last year saw buyers stretch themselves much further financially
31st Mar 21, 3:44pm
117
Latest figures from the Reserve Bank confirm the massive surge in house prices toward the end of last year saw buyers stretch themselves much further financially
Nearly 40% of bank lending to residential property investors is on interest-only arrangements - RBNZ tight-lipped on whether this is too high, but raises concerns over leverage
4th Mar 21, 3:30pm
176
Nearly 40% of bank lending to residential property investors is on interest-only arrangements - RBNZ tight-lipped on whether this is too high, but raises concerns over leverage
The RBNZ suggests exempting certain groups from debt-to-income restrictions would be difficult, as the Finance Minister expresses concerns over the impact these restrictions would have on first-home buyers
10th Feb 21, 1:53pm
136
The RBNZ suggests exempting certain groups from debt-to-income restrictions would be difficult, as the Finance Minister expresses concerns over the impact these restrictions would have on first-home buyers
Robertson says Labour wouldn't be breaking its pre-election promises on tax if it extended the bright-line test; Orr clarifies the RBNZ would like debt-to-income ratios to be added to its toolkit but this hasn't been a priority
26th Nov 20, 4:31pm
94
Robertson says Labour wouldn't be breaking its pre-election promises on tax if it extended the bright-line test; Orr clarifies the RBNZ would like debt-to-income ratios to be added to its toolkit but this hasn't been a priority