DTIs
The Reserve Bank is now indicating it thinks the falls in house prices will slow during this year and will be about finished by the start of next year
24th May 23, 4:11pm
44
The Reserve Bank is now indicating it thinks the falls in house prices will slow during this year and will be about finished by the start of next year
Latest RBNZ figures show NZ's new mortgage borrowers stretching themselves much less than has been seen in recent years in regards to the amount of debt they're taking on relative to income
19th May 23, 7:44am
131
Latest RBNZ figures show NZ's new mortgage borrowers stretching themselves much less than has been seen in recent years in regards to the amount of debt they're taking on relative to income
The country's banks are telling the Reserve Bank that borrower sentiment 'will likely tend towards more caution' due to the fast-changing housing market conditions
24th Apr 23, 12:06pm
66
The country's banks are telling the Reserve Bank that borrower sentiment 'will likely tend towards more caution' due to the fast-changing housing market conditions
Reserve Bank provides an example of how debt-to-income ratio restrictions could be calculated
4th Apr 23, 9:30am
16
Reserve Bank provides an example of how debt-to-income ratio restrictions could be calculated
Reserve Bank details rules for income, debt, 'complex lending' & more in its debt-to-income restrictions
4th Apr 23, 9:29am
Reserve Bank details rules for income, debt, 'complex lending' & more in its debt-to-income restrictions
The Reserve Bank says the potential benefits of DTI restrictions would significantly outweigh banks' costs
3rd Apr 23, 4:07pm
70
The Reserve Bank says the potential benefits of DTI restrictions would significantly outweigh banks' costs
David Hargreaves has a bit of a dive back through the detailed mortgage figures that the Reserve Bank has now been producing for eight years
9th Mar 23, 8:30am
45
David Hargreaves has a bit of a dive back through the detailed mortgage figures that the Reserve Bank has now been producing for eight years
[updated]
Latest Reserve Bank mortgage figures for January - while numerically hitting all kinds of record lows - actually suggest a slight uptick from December on a seasonally-adjusted basis
27th Feb 23, 10:59am
47
Latest Reserve Bank mortgage figures for January - while numerically hitting all kinds of record lows - actually suggest a slight uptick from December on a seasonally-adjusted basis
Latest quarterly Reserve Bank figures show that the country's new mortgage borrowers are stretching themselves much less than has been seen in recent years in regards to the amount of debt they are taking on relative to income
20th Feb 23, 10:19am
55
Latest quarterly Reserve Bank figures show that the country's new mortgage borrowers are stretching themselves much less than has been seen in recent years in regards to the amount of debt they are taking on relative to income
Reserve Bank increases its projection of how far house prices will fall and says the lower prices and higher interest rates 'are assumed to result in a sustained slowing in household spending, as households feel less wealthy'
23rd Nov 22, 3:41pm
55
Reserve Bank increases its projection of how far house prices will fall and says the lower prices and higher interest rates 'are assumed to result in a sustained slowing in household spending, as households feel less wealthy'
Reserve Bank may apply macro-prudential tools to non-bank deposit takers but isn't concerned about the growth of non-deposit taking lenders
16th Nov 22, 9:44am
Reserve Bank may apply macro-prudential tools to non-bank deposit takers but isn't concerned about the growth of non-deposit taking lenders
Latest quarterly Reserve Bank figures show new mortgage borrowers are gearing themselves up notably less than has been seen in recent years
15th Nov 22, 3:44pm
23
Latest quarterly Reserve Bank figures show new mortgage borrowers are gearing themselves up notably less than has been seen in recent years
Reserve Bank outlines design plans for tool it could enforce on banks to limit the debt-to-income ratio of home buyers
10th Nov 22, 1:54pm
41
Reserve Bank outlines design plans for tool it could enforce on banks to limit the debt-to-income ratio of home buyers
NZ Bankers' Association figures show that as of June only a little over 1% of those with a mortgage were behind with their payments - a percentage that's actually dropped in the past six months
13th Oct 22, 2:03pm
20
NZ Bankers' Association figures show that as of June only a little over 1% of those with a mortgage were behind with their payments - a percentage that's actually dropped in the past six months
David Hargreaves has a crunch through some mortgage data that shows Kiwi homeowners are very busily going 'long' with their mortgage interest fixed terms
17th Aug 22, 8:00am
95
David Hargreaves has a crunch through some mortgage data that shows Kiwi homeowners are very busily going 'long' with their mortgage interest fixed terms
New mortgage borrowers are gearing themselves up much less than they were in the face of rising interest rates
15th Aug 22, 10:09am
118
New mortgage borrowers are gearing themselves up much less than they were in the face of rising interest rates
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