debt to income ratios
John Bolton argues Auckland’s housing challenges are over simplified and a bigger issue is how to cope with asymmetric growth in an increasingly global economy
7th Nov 17, 4:49pm
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John Bolton argues Auckland’s housing challenges are over simplified and a bigger issue is how to cope with asymmetric growth in an increasingly global economy
ANZ customers have the highest average loan to income ratio among Australia's banks, Morgan Stanley reveals
11th Oct 17, 10:19am
ANZ customers have the highest average loan to income ratio among Australia's banks, Morgan Stanley reveals
RBNZ Governor Graeme Wheeler sees a risk of a housing market resurgence, and a sharp lift in high loan-to-value ratio lending if LVR restrictions were removed now
30th Aug 17, 1:40pm
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RBNZ Governor Graeme Wheeler sees a risk of a housing market resurgence, and a sharp lift in high loan-to-value ratio lending if LVR restrictions were removed now
Bank lobby group opposes debt-to-income ratio macro-prudential tool and suggests the RBNZ should look at a serviceability interest rate instead
30th Aug 17, 6:42am
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Bank lobby group opposes debt-to-income ratio macro-prudential tool and suggests the RBNZ should look at a serviceability interest rate instead
English and Ardern raise concerns with RBNZ's loan-to-value ratio limits, and debt-to-income ratio work, while 'respecting' RBNZ independence
15th Aug 17, 12:10pm
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English and Ardern raise concerns with RBNZ's loan-to-value ratio limits, and debt-to-income ratio work, while 'respecting' RBNZ independence
Reserve Bank Deputy Governor says RBNZ looking for more 'broad-based' support for the bank's macro-prudential framework; talks up merits of debt-to-income limits
2nd Aug 17, 9:24am
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Reserve Bank Deputy Governor says RBNZ looking for more 'broad-based' support for the bank's macro-prudential framework; talks up merits of debt-to-income limits
Parents of NZ's big 4 banks to require Common Equity Tier 1 capital ratios of at least 10.5% to meet APRA's ‘unquestionably strong’ benchmark
19th Jul 17, 10:22am
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Parents of NZ's big 4 banks to require Common Equity Tier 1 capital ratios of at least 10.5% to meet APRA's ‘unquestionably strong’ benchmark
Alex Tarrant says we must cut the cost of supplying houses. And that must feed through to lower house prices. It's simple economics, but not simple politics
18th Jun 17, 8:37am
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Alex Tarrant says we must cut the cost of supplying houses. And that must feed through to lower house prices. It's simple economics, but not simple politics
OECD warns on vulnerabilities from Auckland house prices; Calls for housing densification; Suggests raft of measures to improve NZ's dire labour productivity; Wants RBNZ to have DTI tool
15th Jun 17, 11:31am
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OECD warns on vulnerabilities from Auckland house prices; Calls for housing densification; Suggests raft of measures to improve NZ's dire labour productivity; Wants RBNZ to have DTI tool
Gareth Vaughan suggests that whoever is in government after the September 23 election, the RBNZ's unlikely to get a DTI tool and largely has itself to blame
14th Jun 17, 5:02am
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Gareth Vaughan suggests that whoever is in government after the September 23 election, the RBNZ's unlikely to get a DTI tool and largely has itself to blame
The RBNZ floats the idea of macro-prudential tools such as LVR and DTI restrictions becoming permanent fixtures of the borrowing and lending landscape
13th Jun 17, 5:02am
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The RBNZ floats the idea of macro-prudential tools such as LVR and DTI restrictions becoming permanent fixtures of the borrowing and lending landscape
The RBNZ says debt to income restrictions could prevent about 10,000 borrowers from buying a house, reduce house sales volumes by about 9%, trim house prices and credit growth by up to 5%, and shave 0.1% off GDP
9th Jun 17, 7:49am
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The RBNZ says debt to income restrictions could prevent about 10,000 borrowers from buying a house, reduce house sales volumes by about 9%, trim house prices and credit growth by up to 5%, and shave 0.1% off GDP
Debt-to-income ratio limits might not have 'terribly big effects' on first home buyer sector, the RBNZ's macro-stability head tells interest.co.nz; But it depends on how tool is calibrated; Cost-benefit analysis 'not easy'
3rd Jun 17, 6:02am
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Debt-to-income ratio limits might not have 'terribly big effects' on first home buyer sector, the RBNZ's macro-stability head tells interest.co.nz; But it depends on how tool is calibrated; Cost-benefit analysis 'not easy'
Reserve Bank's Auckland house price correction warning: Why 5% is an important threshold for stressed, highly leveraged home-owners; And why the RBNZ needs that DTI tool
1st Jun 17, 8:29am
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Reserve Bank's Auckland house price correction warning: Why 5% is an important threshold for stressed, highly leveraged home-owners; And why the RBNZ needs that DTI tool
The RBNZ says a significant proportion of New Zealand borrowers are vulnerable to a material increase in mortgage rates, with Auckland borrowers appearing particularly vulnerable
31st May 17, 2:40pm
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The RBNZ says a significant proportion of New Zealand borrowers are vulnerable to a material increase in mortgage rates, with Auckland borrowers appearing particularly vulnerable
RBNZ gives clearest signals yet how and where it could pitch a debt-to-income ratio restricting tool for mortgage borrowers, and which type of borrowers would be targeted
31st May 17, 12:19pm
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RBNZ gives clearest signals yet how and where it could pitch a debt-to-income ratio restricting tool for mortgage borrowers, and which type of borrowers would be targeted
NZ's rising debt-to-income ratios for new property lending presenting additional risks; New DTI restriction tool could help - Reserve Bank of Australia
18th Apr 17, 2:36pm
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NZ's rising debt-to-income ratios for new property lending presenting additional risks; New DTI restriction tool could help - Reserve Bank of Australia
Moody's says house price increases in NZ 'closely resemble' those in Spain, Ireland and the US on the eve of their housing market crashes
12th Apr 17, 2:15pm
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Moody's says house price increases in NZ 'closely resemble' those in Spain, Ireland and the US on the eve of their housing market crashes
Murray Jackson previews the RBNZ review of banks’ regulatory capital requirements, arguing NZ banks should hold capital equivalent to 19% of their total assets
12th Apr 17, 10:53am
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Murray Jackson previews the RBNZ review of banks’ regulatory capital requirements, arguing NZ banks should hold capital equivalent to 19% of their total assets
IMF warns NZ on household debt levels, proposes better CGT, land tax; Says RBNZ should have DTI tool; NZ$ overvalued
7th Mar 17, 1:11pm
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IMF warns NZ on household debt levels, proposes better CGT, land tax; Says RBNZ should have DTI tool; NZ$ overvalued
Macro-prudential tools must be permanent features of the housing market landscape, Murray Jackson argues
4th Mar 17, 9:06am
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Macro-prudential tools must be permanent features of the housing market landscape, Murray Jackson argues
If NZ economic fundamentals remain strong, rising interest rates shouldn't cause strain in ASB's lending book, CEO Barbara Chapman says
17th Feb 17, 10:00am
If NZ economic fundamentals remain strong, rising interest rates shouldn't cause strain in ASB's lending book, CEO Barbara Chapman says
Bank bosses see debt-to-income ratio between 5 and 7 as ideal in any new RBNZ macro-prudential tool
16th Feb 17, 8:42am
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Bank bosses see debt-to-income ratio between 5 and 7 as ideal in any new RBNZ macro-prudential tool
The RBNZ was late to the debt-to-income limit party which is why this tool won't be added to its macro-prudential toolkit anytime soon, Gareth Vaughan argues
11th Feb 17, 7:44am
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The RBNZ was late to the debt-to-income limit party which is why this tool won't be added to its macro-prudential toolkit anytime soon, Gareth Vaughan argues
RBNZ Governor tells MPs sceptical about debt-to-income restrictions they could distort the housing market, which the government's tax policies already do
10th Feb 17, 9:32am
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RBNZ Governor tells MPs sceptical about debt-to-income restrictions they could distort the housing market, which the government's tax policies already do