Household Debt

21st Apr 20, 7:12pm
RBNZ Deputy Governor: Saying goodbye to mortgage lending restrictions won't cause rapid credit growth - the bigger risk right now is banks being too conservative
RBNZ Deputy Governor: Saying goodbye to mortgage lending restrictions won't cause rapid credit growth - the bigger risk right now is banks being too conservative
21st Apr 20, 7:12pm
20th Dec 19, 5:00am
Banks have reduced the interest rates they use to test mortgage borrowers' ability to repay loans this year, but are increasingly interested in borrowers' expenses as they calculate their ability to service loans
Banks have reduced the interest rates they use to test mortgage borrowers' ability to repay loans this year, but are increasingly interested in borrowers' expenses as they calculate their ability to service loans
20th Dec 19, 5:00am
21st Nov 19, 12:03pm
Benje Patterson explores the key contributors to private sector debt, as well as basic rules of thumb to put this debt in context
Benje Patterson explores the key contributors to private sector debt, as well as basic rules of thumb to put this debt in context
21st Nov 19, 12:03pm
30th Apr 19, 5:00am
Gareth Vaughan argues the RBNZ's proposals to increase bank capital requirements could be good for both NZ banking competition and NZ taxpayers
Gareth Vaughan argues the RBNZ's proposals to increase bank capital requirements could be good for both NZ banking competition and NZ taxpayers
30th Apr 19, 5:00am
8th Apr 19, 12:14pm
Kiwibank chief economist Jarrod Kerr says as central banks continue grappling with the impacts of the Global Financial Crisis, governments could be doing more to help
Kiwibank chief economist Jarrod Kerr says as central banks continue grappling with the impacts of the Global Financial Crisis, governments could be doing more to help
8th Apr 19, 12:14pm
16th Jan 19, 4:49pm
Fitch sees Auckland continuing to record lower house price growth than other NZ regions this year with price falls likely
Fitch sees Auckland continuing to record lower house price growth than other NZ regions this year with price falls likely
16th Jan 19, 4:49pm
24th Dec 18, 7:02am
Gareth Vaughan details the two reports, the consultation process and the chart he'll be keeping a close eye on in 2019
Gareth Vaughan details the two reports, the consultation process and the chart he'll be keeping a close eye on in 2019
24th Dec 18, 7:02am
29th Nov 18, 12:00pm
A 325% debt-to-disposable income ratio, household debt growing at a more sustainable rate, horticulture lending being monitored, eye watering life insurance commissions & more from the RBNZ's FSR
A 325% debt-to-disposable income ratio, household debt growing at a more sustainable rate, horticulture lending being monitored, eye watering life insurance commissions & more from the RBNZ's FSR
29th Nov 18, 12:00pm
2nd Oct 18, 2:12pm
Reserve Bank data shows non-bank financial institutions growing housing and consumer lending strongly
Reserve Bank data shows non-bank financial institutions growing housing and consumer lending strongly
2nd Oct 18, 2:12pm
23rd Sep 18, 6:02am
If you think New Zealand's households are much more vulnerable now than just before the GFC, you are wrong according to the data collated by David Chaston
If you think New Zealand's households are much more vulnerable now than just before the GFC, you are wrong according to the data collated by David Chaston
23rd Sep 18, 6:02am
26th Jul 18, 10:14am
Geoff Simmons separates the 'fake' reasons from the good reasons for talking about government debt
Geoff Simmons separates the 'fake' reasons from the good reasons for talking about government debt
26th Jul 18, 10:14am
16th Jul 18, 1:20pm
The amount of equity borrowers have in their homes has increased significantly since LVRs were introduced
The amount of equity borrowers have in their homes has increased significantly since LVRs were introduced
16th Jul 18, 1:20pm
28th Jun 18, 11:28am
Do we have a household debt problem? Yes we do, but it is not as severe as you may think and we are getting it under control, David Chaston says
Do we have a household debt problem? Yes we do, but it is not as severe as you may think and we are getting it under control, David Chaston says
28th Jun 18, 11:28am
21st Jun 18, 10:52am
UBS points out APRA's focus on debt-to-income levels may significantly reduce the borrowing capacity of many would-be Aussie home buyers
UBS points out APRA's focus on debt-to-income levels may significantly reduce the borrowing capacity of many would-be Aussie home buyers
21st Jun 18, 10:52am
[Updated]
30th May 18, 1:04pm
RBNZ Governor Adrian Orr is confident NZ’s highly indebted households can withstand interest rate rises, as long as there are no ‘abrupt changes’
[Updated]
RBNZ Governor Adrian Orr is confident NZ’s highly indebted households can withstand interest rate rises, as long as there are no ‘abrupt changes’
30th May 18, 1:04pm
30th Apr 18, 1:42pm
Westpac economists see Govt policies as acting to rein in household debt and providing scope for the Reserve Bank to further loosen lending restrictions
Westpac economists see Govt policies as acting to rein in household debt and providing scope for the Reserve Bank to further loosen lending restrictions
30th Apr 18, 1:42pm
6th Mar 18, 9:35am
by Guest
Credit-supply expansions play a key role in subsequent recessions. Households take on more debt when lenders make it more available or more affordable, which drives up aggregate demand – that is, until the music stops
Credit-supply expansions play a key role in subsequent recessions. Households take on more debt when lenders make it more available or more affordable, which drives up aggregate demand – that is, until the music stops
6th Mar 18, 9:35am
5th Mar 18, 10:54am
When we hear about household debt stress, David Chaston wonders whether we are looking at the most relevant data. Household budgets will only be stressed when the servicing costs rise
When we hear about household debt stress, David Chaston wonders whether we are looking at the most relevant data. Household budgets will only be stressed when the servicing costs rise
5th Mar 18, 10:54am
4th Mar 18, 7:24am
In 1988, 1998 and 2008, NZ’s economy took a beating due to a crisis the year prior – some have termed it 'the curse of the eight'; as NZ makes its way through 2018, there is a sense of optimism the curse may have been broken
In 1988, 1998 and 2008, NZ’s economy took a beating due to a crisis the year prior – some have termed it 'the curse of the eight'; as NZ makes its way through 2018, there is a sense of optimism the curse may have been broken
4th Mar 18, 7:24am
[Updated]
29th Nov 17, 6:39am
Household debt to disposable income comes off its peak; Low interest rates keep debt servicing costs down
[Updated]
Household debt to disposable income comes off its peak; Low interest rates keep debt servicing costs down
29th Nov 17, 6:39am

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