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Lending

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
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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
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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
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
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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
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The Reserve Bank's latest mortgage debt-to-income figures suggest the sharp rises in DTI ratios may be coming to an end
MBIE review of new lending rules to report back by April; David Clark suggests impact of CCCFA changes may be exaggerated because some banks weren't complying with the old rules
31st Jan 22, 11:27pm
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MBIE review of new lending rules to report back by April; David Clark suggests impact of CCCFA changes may be exaggerated because some banks weren't complying with the old rules
Financial consultant Geof Mortlock calls for independent reviews of the CCCFA and LVR changes that are tightening credit conditions
30th Jan 22, 6:00am
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Financial consultant Geof Mortlock calls for independent reviews of the CCCFA and LVR changes that are tightening credit conditions
More information will need to be gathered from borrowers by lenders about the reasons why they need the loan, their income, and expenses. Lenders need to assess that the borrower can afford the repayments without getting into financial difficulty
1st Dec 21, 9:47am
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More information will need to be gathered from borrowers by lenders about the reasons why they need the loan, their income, and expenses. Lenders need to assess that the borrower can afford the repayments without getting into financial difficulty
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
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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
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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
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New figures show house buyers are still stretching themselves ever more as the RBNZ prepares to consult on possible DTI limits
With the economic situation looking particularly tricky, David Hargreaves wonders if the Reserve Bank needs to give itself more options as it mulls the final interest rate review of the year
15th Nov 21, 8:50am
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With the economic situation looking particularly tricky, David Hargreaves wonders if the Reserve Bank needs to give itself more options as it mulls the final interest rate review of the year
NZ's extremely high current levels of housing construction cannot be sustained without a large and sharp recovery in net migration over 2022 and 2023, ASB economists say
11th Nov 21, 1:37pm
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NZ's extremely high current levels of housing construction cannot be sustained without a large and sharp recovery in net migration over 2022 and 2023, ASB economists say
Gloom and doom predictions about the house market last year couldn't have been more wrong - but now the rising interest rates provide a new risk of an entirely different nature
9th Nov 21, 2:02pm
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Gloom and doom predictions about the house market last year couldn't have been more wrong - but now the rising interest rates provide a new risk of an entirely different nature
The Auckland-based non-bank deposit taker FE Investments, which went under last year owing investors $55 mln, may face action from the liquidators
23rd Aug 21, 9:54am
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The Auckland-based non-bank deposit taker FE Investments, which went under last year owing investors $55 mln, may face action from the liquidators
The Reserve Bank now believes house prices are likely to fall right through from 2022 to 2024; says current prices are unsustainable
18th Aug 21, 4:17pm
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The Reserve Bank now believes house prices are likely to fall right through from 2022 to 2024; says current prices are unsustainable
RBNZ survey of households finds expectations of higher house prices have actually increased, while mortgage holders are far less worried about meeting payments than renters
16th Aug 21, 11:01am
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RBNZ survey of households finds expectations of higher house prices have actually increased, while mortgage holders are far less worried about meeting payments than renters
As the Reserve Bank ponders the likely introduction next year of measures to limit high debt-to-income lending, latest figures show Kiwis - particularly first home buyers - are continuing to stretch themselves further and further to buy houses
12th Aug 21, 3:46pm
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As the Reserve Bank ponders the likely introduction next year of measures to limit high debt-to-income lending, latest figures show Kiwis - particularly first home buyers - are continuing to stretch themselves further and further to buy houses
Reserve Bank finds the reduction in term deposit and mortgage rates between 2016 and 2020 lifted households' net incomes by 0.1% - other things constant
27th Jul 21, 1:25pm
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Reserve Bank finds the reduction in term deposit and mortgage rates between 2016 and 2020 lifted households' net incomes by 0.1% - other things constant
ANZ eases deposit requirements for mortgages secured against small apartments, making it a little more competitive than the other banks
1st Jul 21, 2:48pm
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ANZ eases deposit requirements for mortgages secured against small apartments, making it a little more competitive than the other banks
David Hargreaves says some of the measures put in place to stymie the current hot housing market may prove to be a long-term drag on the market
24th Jun 21, 1:31pm
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David Hargreaves says some of the measures put in place to stymie the current hot housing market may prove to be a long-term drag on the market
David Hargreaves sifts through the array of remedies targeted at the runaway housing market and tries to assess how it is going so far
23rd Jun 21, 8:30am
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David Hargreaves sifts through the array of remedies targeted at the runaway housing market and tries to assess how it is going so far
The Reserve Bank does seem set to get a debt-to-income ratio measure in its macro-prudential toolkit - but at a much higher level than it earlier contemplated
16th Jun 21, 12:34pm
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The Reserve Bank does seem set to get a debt-to-income ratio measure in its macro-prudential toolkit - but at a much higher level than it earlier contemplated
If the current wave of inflationary pressures prove to be more than just a passing flurry, the Reserve Bank will be forced to raise interest rates. And rising mortgage payments will be a new thing for many mortgage holders
19th May 21, 12:35pm
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If the current wave of inflationary pressures prove to be more than just a passing flurry, the Reserve Bank will be forced to raise interest rates. And rising mortgage payments will be a new thing for many mortgage holders
Two-thirds of Auckland first home buyers in March borrowed at a DTI of over five - and their mortgage sizes averaged in excess of $750,000 each
18th May 21, 3:35pm
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Two-thirds of Auckland first home buyers in March borrowed at a DTI of over five - and their mortgage sizes averaged in excess of $750,000 each
As long as interest rates don't rise appreciably, our housing market should be fine. Probably. But inflation is the wild card. Potentially very wild
12th May 21, 1:48pm
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As long as interest rates don't rise appreciably, our housing market should be fine. Probably. But inflation is the wild card. Potentially very wild