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DTIs

NZ Bankers' Association figures show a significant rise in the latter half of 2021 in the numbers of mortgage holders shifting to interest-only payments
24th May 22, 12:17pm
56
NZ Bankers' Association figures show a significant rise in the latter half of 2021 in the numbers of mortgage holders shifting to interest-only payments
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
Reserve Bank Deputy Governor confirms LVRs will remain in place if new restrictions are applied to mortgage lending; Says the RBNZ will start publishing macroprudential policy projections
28th Apr 22, 11:11am
29
Reserve Bank Deputy Governor confirms LVRs will remain in place if new restrictions are applied to mortgage lending; Says the RBNZ will start publishing macroprudential policy projections
Submitters raise a series of questions and issues they wanted answered and resolved before the RBNZ rolls out a DTI tool
28th Apr 22, 10:04am
Submitters raise a series of questions and issues they wanted answered and resolved before the RBNZ rolls out a DTI tool
[updated]
RBNZ to develop debt-to-income ratio framework for mortgage lending, but won't set banks' test interest rates at this stage
27th Apr 22, 10:37am
84
RBNZ to develop debt-to-income ratio framework for mortgage lending, but won't set banks' test interest rates at this stage
A closer look at how the interest rates banks use to stress test mortgage applicants are due to rise, and possibly be set by the Reserve Bank
25th Apr 22, 8:30am
111
A closer look at how the interest rates banks use to stress test mortgage applicants are due to rise, and possibly be set by the Reserve Bank
NZ Bankers' Association argues there'd be 'real risk of adverse customer impact' if the RBNZ introduces a debt-to-income ratio cap for home loan borrowers
11th Mar 22, 12:23pm
31
NZ Bankers' Association argues there'd be 'real risk of adverse customer impact' if the RBNZ introduces a debt-to-income ratio cap for home loan borrowers
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
Gareth Vaughan on mortgages designed for bank shareholders not customers, Westpac's lost decade, the increasing size of home loans, Banksy & a NZ trust, the UK's lockdown partying PM
6th Feb 22, 6:00am
149
Gareth Vaughan on mortgages designed for bank shareholders not customers, Westpac's lost decade, the increasing size of home loans, Banksy & a NZ trust, the UK's lockdown partying PM
Reserve Bank plays down the likely impact of restricting house buyers' borrowing capacity on first home buyers
23rd Nov 21, 3:34pm
24
Reserve Bank plays down the likely impact of restricting house buyers' borrowing capacity on first home buyers
Reserve Bank launches consultation on potential debt serviceability restrictions that could be used if it believes financial stability risks warrant them
23rd Nov 21, 10:49am
99
Reserve Bank launches consultation on potential debt serviceability restrictions that could be used if it believes financial stability risks warrant them
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
Geoff Bascand: LVRs could be loosened if mortgage debt serviceability restrictions are introduced; a change in bank capital risk weightings won't encourage more business lending
5th Nov 21, 9:00am
65
Geoff Bascand: LVRs could be loosened if mortgage debt serviceability restrictions are introduced; a change in bank capital risk weightings won't encourage more business lending
David Hargreaves says the Reserve Bank Governor's cautionary words about New Zealanders not putting all their eggs in the housing basket will likely fall on deaf ears
4th Nov 21, 11:12am
82
David Hargreaves says the Reserve Bank Governor's cautionary words about New Zealanders not putting all their eggs in the housing basket will likely fall on deaf ears
Reserve Bank analysis suggests that as interest rates 'normalise' and supply continues to enter the market over the coming years, house prices are likely come under pressure to realign with fundamental values
2nd Nov 21, 12:08pm
50
Reserve Bank analysis suggests that as interest rates 'normalise' and supply continues to enter the market over the coming years, house prices are likely come under pressure to realign with fundamental values
'Simply ‘doubling down’ on the same set of risks (i.e., similar assets) is not diversification,' Reserve Bank Governor says
2nd Nov 21, 10:17am
137
'Simply ‘doubling down’ on the same set of risks (i.e., similar assets) is not diversification,' Reserve Bank Governor says
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
Geoff Bascand says the health of business, household and bank balance sheets going into the pandemic played a very important role in the better than expected outcomes
14th Oct 21, 2:04pm
20
Geoff Bascand says the health of business, household and bank balance sheets going into the pandemic played a very important role in the better than expected outcomes
Gareth Vaughan on financial incentives increasing vaccination rates, the mystery of Tether, high DTIs, Singapore travel, plus Eric & the anti-vaxxers
12th Oct 21, 9:59am
42
Gareth Vaughan on financial incentives increasing vaccination rates, the mystery of Tether, high DTIs, Singapore travel, plus Eric & the anti-vaxxers
Auckland's Covid-19 Delta outbreak delays RBNZ consultation on debt-to-income restrictions & interest rate floors
9th Oct 21, 9:55am
39
Auckland's Covid-19 Delta outbreak delays RBNZ consultation on debt-to-income restrictions & interest rate floors
Fairness issues raised over Reserve Bank's decision to close the door on first-home buyers who don't have deposits of at least 20%
27th Sep 21, 5:26pm
35
Fairness issues raised over Reserve Bank's decision to close the door on first-home buyers who don't have deposits of at least 20%
Start to new lending restrictions delayed by a month, but RBNZ expects banks to observe the 'spirit' of the new rules from now
23rd Sep 21, 10:28am
69
Start to new lending restrictions delayed by a month, but RBNZ expects banks to observe the 'spirit' of the new rules from now