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Macroprudential tools

12th May 21, 1:48pm
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
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
6th May 21, 12:16pm
According to the Reserve Bank it now takes over 220% of median disposable household income to fund a 20% deposit on a house
According to the Reserve Bank it now takes over 220% of median disposable household income to fund a 20% deposit on a house
6th May 21, 12:16pm
5th May 21, 7:21pm
New figures from the RBNZ show that up to 71% of the money being borrowed each month recently by investors for houses has been done on high debt to income ratios
New figures from the RBNZ show that up to 71% of the money being borrowed each month recently by investors for houses has been done on high debt to income ratios
5th May 21, 7:21pm
4th Apr 21, 6:31am
David Hargreaves says the alarming rise in high debt-to-income ratio borrowing highlights why the Reserve Bank should be allowed to implement across-the-board DTI limits without any exceptions
David Hargreaves says the alarming rise in high debt-to-income ratio borrowing highlights why the Reserve Bank should be allowed to implement across-the-board DTI limits without any exceptions
4th Apr 21, 6:31am
31st Mar 21, 3:44pm
Latest figures from the Reserve Bank confirm the massive surge in house prices toward the end of last year saw buyers stretch themselves much further financially
Latest figures from the Reserve Bank confirm the massive surge in house prices toward the end of last year saw buyers stretch themselves much further financially
31st Mar 21, 3:44pm
1st Mar 21, 2:08pm
Westpac economists believe the latest inflation spike will prove temporary and won't require interest rate hikes, while they say the markets also over reacted to RBNZ remit changes from Grant Robertson
Westpac economists believe the latest inflation spike will prove temporary and won't require interest rate hikes, while they say the markets also over reacted to RBNZ remit changes from Grant Robertson
1st Mar 21, 2:08pm
22nd Feb 21, 4:01pm
Former RBNZ chairman Arthur Grimes says the Reserve Bank should tighten monetary policy gradually and continue this tightening till house prices return to 'a much more affordable level'
Former RBNZ chairman Arthur Grimes says the Reserve Bank should tighten monetary policy gradually and continue this tightening till house prices return to 'a much more affordable level'
22nd Feb 21, 4:01pm
20th Feb 21, 12:27pm
No changes to the country's monetary policy settings are expected when the Reserve Bank has its first review of the year next week - but everybody will be looking for clues as to what comes next
No changes to the country's monetary policy settings are expected when the Reserve Bank has its first review of the year next week - but everybody will be looking for clues as to what comes next
20th Feb 21, 12:27pm
19th Feb 21, 9:00am
RBNZ expects LVRs to shave up to 4 percentage points off house price inflation and lower bank lending to property investors by as much as 40%
RBNZ expects LVRs to shave up to 4 percentage points off house price inflation and lower bank lending to property investors by as much as 40%
19th Feb 21, 9:00am
17th Feb 21, 8:11am
David Hargreaves says the RBNZ was always going to remain 'dovish' in its review next week anyway, which is probably okay for now. But the future is a worry
David Hargreaves says the RBNZ was always going to remain 'dovish' in its review next week anyway, which is probably okay for now. But the future is a worry
17th Feb 21, 8:11am
16th Feb 21, 8:27am
In their latest quarterly overview Westpac economists warn that when interest rates do eventually rise 'house prices will fall'; also caution that the Govt may consider limiting deductibility on interest for investors
In their latest quarterly overview Westpac economists warn that when interest rates do eventually rise 'house prices will fall'; also caution that the Govt may consider limiting deductibility on interest for investors
16th Feb 21, 8:27am
15th Feb 21, 11:53am
Westpac economists say the weekly hit to the economy with Auckland on Level 3 and the rest of NZ at Level 2 is about $300 million
Westpac economists say the weekly hit to the economy with Auckland on Level 3 and the rest of NZ at Level 2 is about $300 million
15th Feb 21, 11:53am
11th Feb 21, 8:29am
David Hargreaves says anything that Finance Minister Grant Robertson is planning to introduce in order to ease housing market demand pressures needs to help - not hinder - measures already being put in place, particularly by the RBNZ
David Hargreaves says anything that Finance Minister Grant Robertson is planning to introduce in order to ease housing market demand pressures needs to help - not hinder - measures already being put in place, particularly by the RBNZ
11th Feb 21, 8:29am
10th Feb 21, 1:53pm
The RBNZ suggests exempting certain groups from debt-to-income restrictions would be difficult, as the Finance Minister expresses concerns over the impact these restrictions would have on first-home buyers
The RBNZ suggests exempting certain groups from debt-to-income restrictions would be difficult, as the Finance Minister expresses concerns over the impact these restrictions would have on first-home buyers
10th Feb 21, 1:53pm
9th Feb 21, 10:27am
Westpac economists say the severe housing shortages that have been dogging New Zealand are now 'rapidly eroding'
Westpac economists say the severe housing shortages that have been dogging New Zealand are now 'rapidly eroding'
9th Feb 21, 10:27am
[Updated]
9th Feb 21, 10:20am
RBNZ targets residential property investors with new high LVR restrictions: Most investors to need 40% deposits and most owner-occupiers 20% deposits
[Updated]
RBNZ targets residential property investors with new high LVR restrictions: Most investors to need 40% deposits and most owner-occupiers 20% deposits
9th Feb 21, 10:20am
7th Feb 21, 6:02am
A flurry of unexpectedly strong economic data and a raging hot house market are putting our central bank in a position it could not have envisaged being in a year ago
A flurry of unexpectedly strong economic data and a raging hot house market are putting our central bank in a position it could not have envisaged being in a year ago
7th Feb 21, 6:02am
5th Feb 21, 5:15pm
ASB says residential property investors seeking loans must now have a 40% deposit, with bank's CEO 'concerned high levels of investor demand are unsustainable'
ASB says residential property investors seeking loans must now have a 40% deposit, with bank's CEO 'concerned high levels of investor demand are unsustainable'
5th Feb 21, 5:15pm
27th Jan 21, 2:11pm
David Hargreaves looks at some of the options for dampening demand in the housing market while we wait for the supply of housing to catch up
David Hargreaves looks at some of the options for dampening demand in the housing market while we wait for the supply of housing to catch up
27th Jan 21, 2:11pm
25th Jan 21, 3:23pm
Kiwibank economists suggest the Reserve Bank should make banks 'reprice' higher risk interest-only and investor loans
Kiwibank economists suggest the Reserve Bank should make banks 'reprice' higher risk interest-only and investor loans
25th Jan 21, 3:23pm
21st Jan 21, 1:28pm
Westpac economists expect annual house price inflation will peak at 20% later this year, 'which is not an environment conducive to further OCR cuts'
Westpac economists expect annual house price inflation will peak at 20% later this year, 'which is not an environment conducive to further OCR cuts'
21st Jan 21, 1:28pm
20th Jan 21, 1:26pm
ANZ economists expect the housing market will cool 'in time', but exactly when is highly uncertain, given that momentum in the market can be slow to moderate
ANZ economists expect the housing market will cool 'in time', but exactly when is highly uncertain, given that momentum in the market can be slow to moderate
20th Jan 21, 1:26pm
18th Dec 20, 8:08am
Finance Minister Grant Robertson tells Bloomberg the Reserve Bank requesting a debt to income ratio tool doesn’t automatically translate to the Government approving it
Finance Minister Grant Robertson tells Bloomberg the Reserve Bank requesting a debt to income ratio tool doesn’t automatically translate to the Government approving it
18th Dec 20, 8:08am
15th Dec 20, 2:17pm
David Hargreaves examines the largest bank's move to go further than the Reserve Bank in reining in housing investors
David Hargreaves examines the largest bank's move to go further than the Reserve Bank in reining in housing investors
15th Dec 20, 2:17pm
15th Dec 20, 11:47am
With a debt-to-income ratio tool back on the table, Gareth Vaughan looks at the political and other challenges the RBNZ needs to overcome to be granted the financial stability tool
With a debt-to-income ratio tool back on the table, Gareth Vaughan looks at the political and other challenges the RBNZ needs to overcome to be granted the financial stability tool
15th Dec 20, 11:47am

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