DTIs
Gareth Vaughan on mortgages designed for bank shareholders not customers, Westpac's lost decade, the increasing size of home loans, Banksy & a NZ trust, the UK's lockdown partying PM
6th Feb 22, 6:00am
149
Gareth Vaughan on mortgages designed for bank shareholders not customers, Westpac's lost decade, the increasing size of home loans, Banksy & a NZ trust, the UK's lockdown partying PM
Reserve Bank plays down the likely impact of restricting house buyers' borrowing capacity on first home buyers
23rd Nov 21, 3:34pm
24
Reserve Bank plays down the likely impact of restricting house buyers' borrowing capacity on first home buyers
Reserve Bank launches consultation on potential debt serviceability restrictions that could be used if it believes financial stability risks warrant them
23rd Nov 21, 10:49am
99
Reserve Bank launches consultation on potential debt serviceability restrictions that could be used if it believes financial stability risks warrant them
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
18
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
79
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
48
New figures show house buyers are still stretching themselves ever more as the RBNZ prepares to consult on possible DTI limits
Geoff Bascand: LVRs could be loosened if mortgage debt serviceability restrictions are introduced; a change in bank capital risk weightings won't encourage more business lending
5th Nov 21, 9:00am
65
Geoff Bascand: LVRs could be loosened if mortgage debt serviceability restrictions are introduced; a change in bank capital risk weightings won't encourage more business lending
David Hargreaves says the Reserve Bank Governor's cautionary words about New Zealanders not putting all their eggs in the housing basket will likely fall on deaf ears
4th Nov 21, 11:12am
82
David Hargreaves says the Reserve Bank Governor's cautionary words about New Zealanders not putting all their eggs in the housing basket will likely fall on deaf ears
Reserve Bank analysis suggests that as interest rates 'normalise' and supply continues to enter the market over the coming years, house prices are likely come under pressure to realign with fundamental values
2nd Nov 21, 12:08pm
50
Reserve Bank analysis suggests that as interest rates 'normalise' and supply continues to enter the market over the coming years, house prices are likely come under pressure to realign with fundamental values
'Simply ‘doubling down’ on the same set of risks (i.e., similar assets) is not diversification,' Reserve Bank Governor says
2nd Nov 21, 10:17am
137
'Simply ‘doubling down’ on the same set of risks (i.e., similar assets) is not diversification,' Reserve Bank Governor says
BNZ to restrict investors and owner-occupiers from getting mortgages worth more than six times their income; ASB already using debt-to-income restrictions
28th Oct 21, 3:30pm
162
BNZ to restrict investors and owner-occupiers from getting mortgages worth more than six times their income; ASB already using debt-to-income restrictions
Geoff Bascand says the health of business, household and bank balance sheets going into the pandemic played a very important role in the better than expected outcomes
14th Oct 21, 2:04pm
20
Geoff Bascand says the health of business, household and bank balance sheets going into the pandemic played a very important role in the better than expected outcomes
Gareth Vaughan on financial incentives increasing vaccination rates, the mystery of Tether, high DTIs, Singapore travel, plus Eric & the anti-vaxxers
12th Oct 21, 9:59am
42
Gareth Vaughan on financial incentives increasing vaccination rates, the mystery of Tether, high DTIs, Singapore travel, plus Eric & the anti-vaxxers
Auckland's Covid-19 Delta outbreak delays RBNZ consultation on debt-to-income restrictions & interest rate floors
9th Oct 21, 9:55am
39
Auckland's Covid-19 Delta outbreak delays RBNZ consultation on debt-to-income restrictions & interest rate floors
Fairness issues raised over Reserve Bank's decision to close the door on first-home buyers who don't have deposits of at least 20%
27th Sep 21, 5:26pm
35
Fairness issues raised over Reserve Bank's decision to close the door on first-home buyers who don't have deposits of at least 20%
Start to new lending restrictions delayed by a month, but RBNZ expects banks to observe the 'spirit' of the new rules from now
23rd Sep 21, 10:28am
69
Start to new lending restrictions delayed by a month, but RBNZ expects banks to observe the 'spirit' of the new rules from now
Aussie parents of NZ's major banks prepared to lend mortgage borrowers up to seven times gross income, which is more than UK, Canadian, Swedish and US banks will lend
14th Sep 21, 6:13pm
2
Aussie parents of NZ's major banks prepared to lend mortgage borrowers up to seven times gross income, which is more than UK, Canadian, Swedish and US banks will lend
RBNZ admits first-home buyers are the target of its proposal to tighten LVR restrictions, as it's worried high house prices are seeing them bite off more than they can chew
3rd Sep 21, 7:10pm
42
RBNZ admits first-home buyers are the target of its proposal to tighten LVR restrictions, as it's worried high house prices are seeing them bite off more than they can chew
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
133
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
44
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
45
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 looks at some of the options in the long-running saga that has been the Reserve Bank's quest for a debt-to-income measure for the housing market
11th Aug 21, 12:11pm
107
David Hargreaves looks at some of the options in the long-running saga that has been the Reserve Bank's quest for a debt-to-income measure for the housing market
Journalists have a yarn about immigration settings being in flux, who will feel the pinch of tighter mortgage lending restrictions, and next Wednesday's big interest rate decision
9th Aug 21, 1:21pm
13
Journalists have a yarn about immigration settings being in flux, who will feel the pinch of tighter mortgage lending restrictions, and next Wednesday's big interest rate decision
Finance Minister Grant Robertson says he moved as quickly as was responsible to give the Reserve Bank new tools to restrict banks' mortgage lending
3rd Aug 21, 2:47pm
71
Finance Minister Grant Robertson says he moved as quickly as was responsible to give the Reserve Bank new tools to restrict banks' mortgage lending
Govt signs off on DTI measures, which will be implemented; RBNZ also to tighten LVR rules from October; RBNZ says it 'hasn't seen sufficient reduction in risky lending'
3rd Aug 21, 9:25am
166
Govt signs off on DTI measures, which will be implemented; RBNZ also to tighten LVR rules from October; RBNZ says it 'hasn't seen sufficient reduction in risky lending'