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debt-to-income ratios

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
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
Interest deductibility centre court, as the back and forth between the Government and Reserve Bank over mortgage lending restrictions plays out in the background
17th Jun 21, 3:45pm
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Interest deductibility centre court, as the back and forth between the Government and Reserve Bank over mortgage lending restrictions plays out in the background
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
Finance Minister agrees 'in-principle' to give RBNZ debt-to-income tools; Consensus yet to be reached on how the impact on first-home buyers would be minimised
16th Jun 21, 10:29am
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Finance Minister agrees 'in-principle' to give RBNZ debt-to-income tools; Consensus yet to be reached on how the impact on first-home buyers would be minimised
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
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
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According to the Reserve Bank it now takes over 220% of median disposable household income to fund a 20% deposit on a house
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
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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
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
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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
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
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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
Nearly 40% of bank lending to residential property investors is on interest-only arrangements - RBNZ tight-lipped on whether this is too high, but raises concerns over leverage
4th Mar 21, 3:30pm
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Nearly 40% of bank lending to residential property investors is on interest-only arrangements - RBNZ tight-lipped on whether this is too high, but raises concerns over leverage
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
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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
Robertson says Labour wouldn't be breaking its pre-election promises on tax if it extended the bright-line test; Orr clarifies the RBNZ would like debt-to-income ratios to be added to its toolkit but this hasn't been a priority
26th Nov 20, 4:31pm
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Robertson says Labour wouldn't be breaking its pre-election promises on tax if it extended the bright-line test; Orr clarifies the RBNZ would like debt-to-income ratios to be added to its toolkit but this hasn't been a priority
Latest Reserve Bank figures on household debt to income ratios show more mortgage money being borrowed at in excess of five times annual income - but Auckland may be reaching limits
16th Nov 20, 12:26pm
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Latest Reserve Bank figures on household debt to income ratios show more mortgage money being borrowed at in excess of five times annual income - but Auckland may be reaching limits
David Hargreaves tries to make sense of swirling and contradictory facts and figures around the current mortgage market
20th Aug 20, 9:04am
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David Hargreaves tries to make sense of swirling and contradictory facts and figures around the current mortgage market
Latest Reserve Bank figures on household debt to income ratios show that still more house buyers are borrowing more than five times their annual income
13th Aug 20, 3:43pm
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Latest Reserve Bank figures on household debt to income ratios show that still more house buyers are borrowing more than five times their annual income
David Hargreaves has a deeper dive through the Reserve Bank's latest figures on mortgage lending by debt-to-income ratio and finds that buyers across the spectrum have been stretching themselves further
19th May 20, 1:58pm
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David Hargreaves has a deeper dive through the Reserve Bank's latest figures on mortgage lending by debt-to-income ratio and finds that buyers across the spectrum have been stretching themselves further
New Reserve Bank figures show that household debt to income ratios continued to blow out right up till the lockdown - and first home buyers were in the frontline
18th May 20, 3:50pm
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New Reserve Bank figures show that household debt to income ratios continued to blow out right up till the lockdown - and first home buyers were in the frontline
New Reserve Bank figures show that household debt to income ratios are blowing out again after reducing during 2018
20th Feb 20, 10:33am
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New Reserve Bank figures show that household debt to income ratios are blowing out again after reducing during 2018
Finance Minister Grant Robertson now tight-lipped on whether the RBNZ should be able to limit bank lending based on borrowers' incomes, having previously opposed such restrictions 
17th Aug 19, 9:31am
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Finance Minister Grant Robertson now tight-lipped on whether the RBNZ should be able to limit bank lending based on borrowers' incomes, having previously opposed such restrictions