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Household Debt

Reserve Bank data shows non-bank financial institutions growing housing and consumer lending strongly
2nd Oct 18, 2:12pm
10
Reserve Bank data shows non-bank financial institutions growing housing and consumer lending strongly
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
106
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
Geoff Simmons separates the 'fake' reasons from the good reasons for talking about government debt
26th Jul 18, 10:14am
39
Geoff Simmons separates the 'fake' reasons from the good reasons for talking about government debt
The amount of equity borrowers have in their homes has increased significantly since LVRs were introduced
16th Jul 18, 1:20pm
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The amount of equity borrowers have in their homes has increased significantly since LVRs were introduced
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
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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
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
UBS points out APRA's focus on debt-to-income levels may significantly reduce the borrowing capacity of many would-be Aussie home buyers
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
by Jason Walls
68
RBNZ Governor Adrian Orr is confident NZ’s highly indebted households can withstand interest rate rises, as long as there are no ‘abrupt changes’
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
11
Westpac economists see Govt policies as acting to rein in household debt and providing scope for the Reserve Bank to further loosen lending restrictions
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
by Guest
13
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
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
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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
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
by Jason Walls
63
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
Household debt to disposable income comes off its peak; Low interest rates keep debt servicing costs down
29th Nov 17, 6:39am
22
Household debt to disposable income comes off its peak; Low interest rates keep debt servicing costs down
Jacob Shapiro warns that when the next US recession comes, it will strike with inequality at new heights, which is likely to translate into massive political change
22nd Nov 17, 8:42am
by Guest
31
Jacob Shapiro warns that when the next US recession comes, it will strike with inequality at new heights, which is likely to translate into massive political change
Kiwibank's economists probe whether the housing boom is turning to a bust or has just hit a temporary bump in the road
25th Oct 17, 10:27am
by Guest
52
Kiwibank's economists probe whether the housing boom is turning to a bust or has just hit a temporary bump in the road
Aussie parents of NZ's big 4 banks seen facing increased risk of mis-selling claims as interest-only mortgage borrowers come under pressure
16th Oct 17, 10:44am
Aussie parents of NZ's big 4 banks seen facing increased risk of mis-selling claims as interest-only mortgage borrowers come under pressure
Kiwis' debt continues to dwarf household disposable income, but courtesy of the low interest rates this debt is still being comfortably serviced
6th Sep 17, 4:12pm
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Kiwis' debt continues to dwarf household disposable income, but courtesy of the low interest rates this debt is still being comfortably serviced
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
Adopting more conservative living expense assumptions and interest rate buffers sees Aussie parents of NZ's major banks tighten the screws on residential mortgage lending
15th Jun 17, 11:36am
Adopting more conservative living expense assumptions and interest rate buffers sees Aussie parents of NZ's major banks tighten the screws on residential mortgage lending
RBNZ asks for 'theoretical and empirical papers' on housing, household debt and policy ahead of December conference
17th May 17, 12:00pm
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RBNZ asks for 'theoretical and empirical papers' on housing, household debt and policy ahead of December conference
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
by Guest
6
Murray Jackson previews the RBNZ review of banks’ regulatory capital requirements, arguing NZ banks should hold capital equivalent to 19% of their total assets
ANZ's Shayne Elliott, CBA's Ian Narev and NAB's Andrew Thorburn on fintech disruption, Auckland house prices, global uncertainty & unwinding monetary policy stimulus
8th Apr 17, 6:02am
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ANZ's Shayne Elliott, CBA's Ian Narev and NAB's Andrew Thorburn on fintech disruption, Auckland house prices, global uncertainty & unwinding monetary policy stimulus
Our economy is growing, but is our bank debt growing too fast in support? We update the internationally recognised benchmark used to test the prudence of our financial system
16th Mar 17, 12:39pm
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Our economy is growing, but is our bank debt growing too fast in support? We update the internationally recognised benchmark used to test the prudence of our financial system
The Superannuation issue is just one example of a Government continually pushing problems out into the future for others to deal with
8th Mar 17, 5:00pm
72
The Superannuation issue is just one example of a Government continually pushing problems out into the future for others to deal with
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