Sector credit
With interest rates down and seemingly heading ever lower, David Hargreaves ponders how long the remarkable restraint being shown by the New Zealand public will last for
2nd Aug 19, 10:00am
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With interest rates down and seemingly heading ever lower, David Hargreaves ponders how long the remarkable restraint being shown by the New Zealand public will last for
Latest Reserve Bank figures show that annual mortgage growth has slowed for the first time since last November
31st Jul 19, 3:44pm
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Latest Reserve Bank figures show that annual mortgage growth has slowed for the first time since last November
New Reserve Bank lending by borrower type figures show lowest March borrowing total since at least 2015, but the First Home Buyers are still out and about
29th Apr 19, 3:34pm
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New Reserve Bank lending by borrower type figures show lowest March borrowing total since at least 2015, but the First Home Buyers are still out and about
While wannabe first home buyers face borrowing eye watering amounts of money just to get into a home, the money they borrow IS at least getting cheaper, thanks to falling interest rates. Is this a trap or an opportunity?
2nd Apr 19, 11:23am
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While wannabe first home buyers face borrowing eye watering amounts of money just to get into a home, the money they borrow IS at least getting cheaper, thanks to falling interest rates. Is this a trap or an opportunity?
Two months after the Reserve Bank relaxed lending rules for banks there's no sign of a rush for high loan to value ratio loans - meaning the RBNZ may be encouraged to relax the rules again
27th Mar 19, 11:37am
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Two months after the Reserve Bank relaxed lending rules for banks there's no sign of a rush for high loan to value ratio loans - meaning the RBNZ may be encouraged to relax the rules again
Latest Reserve Bank monthly figures show mortgage credit growth remains above 6%, while agricultural and business credit are rising again but consumer credit is falling
28th Feb 19, 3:29pm
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Latest Reserve Bank monthly figures show mortgage credit growth remains above 6%, while agricultural and business credit are rising again but consumer credit is falling
Latest Reserve Bank figures show first home buyers getting a record high share of new mortgage money for the second consecutive month
27th Feb 19, 3:47pm
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Latest Reserve Bank figures show first home buyers getting a record high share of new mortgage money for the second consecutive month
Latest Reserve Bank monthly figures show mortgage credit growth remains above 6%, while non-bank lending has surged in the past month
31st Jan 19, 3:43pm
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Latest Reserve Bank monthly figures show mortgage credit growth remains above 6%, while non-bank lending has surged in the past month
Latest Reserve Bank monthly figures show first home buyers getting a record high share of new mortgage money last month
29th Jan 19, 3:50pm
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Latest Reserve Bank monthly figures show first home buyers getting a record high share of new mortgage money last month
Latest Reserve Bank monthly figures show the share of borrowing by the housing investor is continuing to drop sharply to new lows
20th Dec 18, 3:30pm
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Latest Reserve Bank monthly figures show the share of borrowing by the housing investor is continuing to drop sharply to new lows
Latest Reserve Bank monthly figures show declines in the rate of annual borrowing growth across the personal, housing, business and agricultural sectors
31st Oct 18, 3:32pm
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Latest Reserve Bank monthly figures show declines in the rate of annual borrowing growth across the personal, housing, business and agricultural sectors
The annual growth rate in the amount of mortgage money outstanding rose a touch last month - for the first time since late 2016
31st May 18, 3:25pm
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The annual growth rate in the amount of mortgage money outstanding rose a touch last month - for the first time since late 2016
The annual growth rate in the amount of mortgage money outstanding remained at 5.8% for the third month in a row, while non-bank lenders are experiencing a perceptible rise in mortgage lending
30th Apr 18, 3:40pm
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The annual growth rate in the amount of mortgage money outstanding remained at 5.8% for the third month in a row, while non-bank lenders are experiencing a perceptible rise in mortgage lending
The sharp decline in the growth rates of mortgage borrowing seen in the past year has ended; the recent fast rise in consumer borrowing has slowed
29th Mar 18, 3:34pm
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The sharp decline in the growth rates of mortgage borrowing seen in the past year has ended; the recent fast rise in consumer borrowing has slowed
The rate of growth in mortgage borrowing continues to slow - but consumer borrowing is hitting growth levels last seen 12 years ago
31st Jan 18, 3:36pm
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The rate of growth in mortgage borrowing continues to slow - but consumer borrowing is hitting growth levels last seen 12 years ago
The rate of growth in mortgage borrowing is continuing to slow markedly - but consumer borrowing growth has hit a 12-year high
30th Nov 17, 3:21pm
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The rate of growth in mortgage borrowing is continuing to slow markedly - but consumer borrowing growth has hit a 12-year high
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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Household debt to disposable income comes off its peak; Low interest rates keep debt servicing costs down
RBNZ analysis suggests banks would struggle to close the recent gap between deposits and lending through increasing interest rates on deposits - suggests banks may need to curb lending
9th Nov 17, 11:23am
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RBNZ analysis suggests banks would struggle to close the recent gap between deposits and lending through increasing interest rates on deposits - suggests banks may need to curb lending
With no certainty of capital gains in the immediate future, recent buyers of investment properties may be forced to pay renewed attention to income versus outgoings
24th Oct 17, 2:49pm
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With no certainty of capital gains in the immediate future, recent buyers of investment properties may be forced to pay renewed attention to income versus outgoings
With no current Government and no permanent Reserve Bank Governor, there's potential for important decisions regarding housing to be left late
18th Oct 17, 2:37pm
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With no current Government and no permanent Reserve Bank Governor, there's potential for important decisions regarding housing to be left late
As the rate of mortgage borrowing growth continues to slow sharply, David Hargreaves ponders on what level of growth the RBNZ would be content with
4th Oct 17, 12:50pm
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As the rate of mortgage borrowing growth continues to slow sharply, David Hargreaves ponders on what level of growth the RBNZ would be content with
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
New RBNZ figures show the total amount of mortgage borrowing grew by the smallest amount in dollar terms for three years last month
31st Aug 17, 3:39pm
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New RBNZ figures show the total amount of mortgage borrowing grew by the smallest amount in dollar terms for three years last month
Westpac economists say there is no compelling case at the moment for the Reserve Bank to loosen the limits on high loan to value ratio lending
21st Aug 17, 11:26am
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Westpac economists say there is no compelling case at the moment for the Reserve Bank to loosen the limits on high loan to value ratio lending
It's all very well talking about removing loan to value lending limits, but we need to hear what the Government would do if house prices started to rise quickly again
16th Aug 17, 4:15pm
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It's all very well talking about removing loan to value lending limits, but we need to hear what the Government would do if house prices started to rise quickly again