Articles tagged with 'DTIs'
20 March 2024 - A cost benefit analysis of debt-to-income restrictions needs to be done before they go any further, BusinessNZ says.
12 February 2024 - A property finder is urging investors to consult their mortgage adviser on how debt-to-income (DTI) restrictions, which RBNZ will probably implement about mid-year, will affect their buying power.
5 February 2024 - Start-ups will be hit hard if the RBNZ introduces debt-to-income (DTI) restrictions later this year.
18 January 2024 - Avanti lands former ANZ executive to take over as its chief executive. [READ ON]
As experts expect property prices to rise between 5-10% this year, the...
18 January 2024 - As experts expect property prices to rise between 5-10% this year, the biggest dampener will be debt-to-income (DTI) ratios if introduced towards the middle of the year.
8 January 2024 - As the Reserve Bank gears up to consult on the level, possible exemptions and speed limits for debt-to-income restrictions, CoreLogic’s chief property economist says it is difficult to know whether they have worked in other countries.
12 December 2023 - Finance Minister Nicola Willis is waiting on RBNZ advice before deciding whether debt-to-income (DTI) restrictions should be implemented. [READ ON]
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12 December 2023 - Finance Minister Nicola Willis is waiting on RBNZ advice before deciding whether debt-to-income (DTI) restrictions should be implemented.
19 May 2023 - As the Reserve Bank continues its consultation on new debt-to-income ratios to be in its toolbox by March next year, it’s latest data show mortgage borrowers taking on less debt.
8 May 2023 - If the Reserve Bank implements its debt-to-income (DTI) restrictions tool, it will put enormous pressure on mortgage advisers, says David Green of Advice HQ.
4 May 2023 - The recent moves by the Reserve Bank to finalise its debt-to-income (DTI) restrictions tool has sparked discussion and surprise amongst property investor.
22 March 2023 - Veteran mortgage broker John Bolton thinks Debt to Income (DTI) ratios for lending control are not such a bad thing after all.
27 April 2022 - The Reserve Bank plans to press ahead and design one of two proposed income-based controls on home lending.
24 November 2021 - The Reserve Bank (RBNZ) has started consultation on debt-to-income ratios, but added a new, and more sensible option.
10 November 2021 - Mortgage advisers are writing an increasing share of BNZ's home loans but that may change following its decision to implement debt-to-income limits on the channel.
3 November 2021 - The RBNZ has moved a lot closer to bringing in Debt to Income (DTI) limits on loans.
29 October 2021 - BNZ has announced sweeping new restrictions on borrowing.
20 August 2021 - The Reserve Bank is now predicting house prices will actually start falling from the third quarter of next year.
10 August 2021 - Investors had best hope come the middle of 2022 that house prices have not gone up by another 10%, writes Sally Lindsay.
3 August 2021 - The Reserve Bank of New Zealand is looking at ways to tighten up mortgage lending standards in another effort to slow down a rampant housing market.
1 July 2021 - Growth in house prices is starting to fall but at a snail’s pace.
17 June 2021 - Mortgage advisers have raised concerns about the implementation of debt-to-income limits after the Reserve Bank paved the way for their future use.
16 June 2021 - The Reserve Bank has added debt-to-income limits to its regulatory toolkit, and a recent memo from the central bank reveals the potential settings for the new rules if they come into effect.
16 June 2021 - Debt-to-income limits on lending have moved a step closer to reality after the Reserve Bank added debt serviceability restrictions to its policy toolkit.
16 June 2021 - While the Reserve Bank has taken its first steps towards implementing debt-to-income limits, it has played down the chances of introducing interest-only lending limits.
19 May 2021 - Debt to income ratios continue to soar in New Zealand according to the latest Reserve Bank data, with more than $1 billion loaned to Auckland borrowers at a DTI greater than five in March.
13 May 2021 - The property market displayed the first signs of cooling last month, but prices continue to rise, according to the latest REINZ data.
23 March 2021 - The Reserve Bank is "very likely" to introduce interest-only lending restrictions on investors as it aims to tackle the overheated housing market, according to CoreLogic.
14 December 2020 - Economists at Kiwibank say DTIs and LVR restrictions will have a "near-term" impact on housing demand, but argue supply-side changes are the key to fixing the housing crisis.
11 December 2020 - Reserve Bank governor Adrian Orr has asked Finance Minister Grant Robertson to add debt-to-income ratios to its macro-prudential toolkit, as it responds to government pressure on house prices.
30 November 2020 - Advisers report that first home buyers are taking dangerous risks on auctions as they try to compete in an overheated market: [READ ON]
Mortgage advisers...
27 November 2020 - Mortgage advisers are unconvinced that the Reserve Bank's plan to introduce debt-to-income ratios will reduce risk and fix the housing market.
26 November 2020 - Reserve Bank governor Adrian Orr has revealed that the central bank would like to introduce debt-to-income ratio limits on mortgage lending.
25 November 2020 - The Reserve Bank's latest Financial Stability Report highlights rising debt-to-income ratios and high LVR lending as the main risks in the New Zealand mortgage market.
10 November 2020 - ASB Bank has introduced debt to income ratios as a secondary test of borrowers' income, as lenders change their processes after Covid-19.
12 August 2019 - Almost half of Auckland first home buyers have mortgages that are over five times their annual income – and that makes debt-to-income (DTI) ratios a hot topic again.
28 May 2019 - There’s no need to worry about interest rates in connection to mortgage debt for the next few years, according to Kiwibank’s chief economist.
17 July 2018 - New owner-occupier mortgage holders have become less vulnerable to a housing market bust, higher interest rates or income loss since the Reserve Bank introduced the LVRs.
8 June 2018 - The Reserve Bank of New Zealand has confirmed the second phase of a review into the Reserve Bank Act will look at its macro-prudential toolkit, likely...
7 June 2018 - The Reserve Bank of New Zealand has confirmed the second phase of a review into the Reserve Bank Act will look at its macro-prudential toolkit, likely to include debt-to-income ratios for home loans.
14 March 2018 - Outgoing Grant Spencer calls debt servicing ratios “natural complement” to existing system
29 November 2017 - Controversial debt-to-income ratios (DTIs) have been put on the back-burner by the Reserve Bank – for the foreseeable future.
28 November 2017 - Expectations that the Reserve Bank might loosen the LVRs in this week’s Financial Stability Report (FSR) are running high, but economists don’t think it will happen – yet.
24 November 2017 - Opposition to the inclusion of debt-to-income ratios (DTIs) in the Reserve Bank’s macro prudential tool kit is widespread, the bank’s own consultation reveals.
16 August 2017 - Prime Minister Bill English has ruled out allowing the Reserve Bank to bring in debt-to-income ratios. It had suggested limiting loans to no more than five times borrowers’ incomes.
1 August 2017 - The bank says around a third of its business now comes from advisers and chief executive Shaun Drylie gives his views on commission models.
14 July 2017 - The bank says around a third of its business now comes from advisers and chief executive Shaun Drylie gives his views on commission models.
8 June 2017 - Around 11,000 people a year could be prevented from buying properties if the Reserve Bank was to deploy debt-to-income ratios (DTI), the Bank has estimated.
31 May 2017 - UPDATED: Ongoing risks posed by the housing market mean the Reserve Bank is set to start consulting on the addition of debt-to-income ratios (DTIs) to its policy toolkit.
7 March 2017 - Debt-to-income ratios (DTIs) and the redirection of tax incentives away from housing would help tackle the risks posed by New Zealand’s housing market, the IMF says.
10 February 2017 - The Reserve Bank governor has said they will not be implementing debt-to-income ratios right now to curb the housing market. READ MORE.
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13 December 2016 - Prospective debt-to-income ratios (DTIs) have hit a stumbling block on the road to their arrival due to Finance Minister Bill English’s ascension to Prime Minister.
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