Articles tagged with 'Macro Prudential Tools'
20 October 2020 - Despite fears of an overheated housing market, Westpac economists believe the Reserve Bank will still need to lower the official cash rate next year.
16 October 2020 - The odds of LVR restrictions returning for investors next year are "fairly high" due to the strength of the residential property market, according to economist Tony Alexander.
4 June 2020 - Banks have not relaxed loan-to-value ratio limits for investors, despite the Reserve Bank's move to scrap LVR rules.
27 November 2019 - The Reserve Bank has kept its LVR speed limits on hold amid fears low interest rates "could lead to a resurgence in higher-risk lending".
23 October 2019 - LVR restrictions were never meant to be a permanent feature of New Zealand’s housing market and ANZ economists argue that some further relaxing of them could soon be on the cards.
21 August 2019 - Declining house prices and low interest rates have improved housing affordability across New Zealand over the first half of 2019, a new report from Moody’s Investors Service shows.
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.
1 July 2019 - LVR restrictions on mortgage lending could be a "permanent setting", according to Reserve Bank deputy governor Geoff Bascand.
28 November 2018 - Don’t expect the housing market to take off at a runaway pace following the Reserve Bank’s announcement that the LVR restrictions will be eased from early next year.
28 November 2018 - The Reserve Bank has today loosened the LVR restrictions for both investors and owners-occupiers, with changes coming into effect in January.
28 November 2018 - The Reserve Bank says it will ease LVR restrictions. Here's what it said with the release of today's Financial Stability Report.
27 November 2018 - The Reserve Bank will publish its latest Financial Stability Report tomorrow, with all eyes on whether it will loosen LVR restrictions. Some economists "expect" loosening, but others say recent heat in the market could cause the central bank to hold off.
24 October 2018 - The Reserve Bank’s criteria for relaxing the existing LVRs have been sufficiently met to justify easing them further, according to ANZ economists.
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.
5 July 2018 - Lender ASB believes there will be a “mild” tightening cycle at the Reserve Bank, with floating and fixed rate mortgages expected to remain stable until the end of next year.
28 June 2018 - Mortgage lending is flying in the face of the cooler housing market with Reserve Bank data showing May saw the highest level of new lending in nearly two years.
27 March 2018 - The slight easing of the LVRs appears to be encouraging investors into mortgages with new Reserve Bank data showing a pick-up in lending to investors.
14 March 2018 - While the Reserve Bank relaxed some of its lending restrictions earlier this year, don't think it's given up on using more tools in the future. Debt-to-income...
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.
24 November 2017 - The common refrain heard from mortgage advisers is that banks are rationing credit, making it hard to get mortgages approved. But banks deny that's happening and blame the Reserve Bank.
14 September 2017 - There is no case for the Reserve Bank to relax the LVRs as the housing market remains a risk to New Zealand’s banking system, according to Standard & Poors.
30 August 2017 - The Reserve Bank’s LVRs are not expected to be a permanent measure but they are not going to be removed in the near future, outgoing Governor Graeme Wheeler said in a speech today.
22 August 2017 - There is no compelling case to roll back the Reserve Bank’s LVRs despite the slowing of the housing market, according to Westpac economists. [Read...
21 August 2017 - There is no compelling case to roll back the Reserve Bank’s LVRs despite the slowing of the housing market, according to Westpac economists.
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.
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.
6 April 2017 - Recent increases in mortgage rates are set to continue, but this will help ease the risks house price inflation poses to New Zealand banks, Standard & Poors says.
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.
9 February 2017 - The Reserve Bank would not implement controversial debt-to-income ratios (DTIs) right now if it had them in its macro-prudential toolkit, the bank’s governor says.
8 February 2017 - Another obstacle has been placed in the Reserve Bank’s path towards the introduction of debt-to-income ratios (DTIs).
8 February 2017 - Future Reserve Bank policy targets – and their wider impact - is the topic on many lips following the announcement the bank’s governor will step down later this year.
21 December 2016 - Evidence that the effect of the latest LVR restrictions might be diminishing comes in new data which reveals a big jump in mortgage lending – including to investors.
16 December 2016 - Higher mortgage rates will have a more sustained impact on the housing market than the LVR restrictions have, according to Westpac.
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.
30 November 2016 - Concerns about the increase in debt relative to incomes mean the Reserve Bank want the tools to address the issue, but economists don't expect to see them introduced anytime soon.
30 November 2016 - [UPDATED] The Reserve Bank has officially asked the Government for debt to income restriction tools, although it has no plans to immediately deploy them. Includes ASB comments.
24 November 2016 - There is now little doubt that the new LVR restrictions are having a significant impact on property investor activity, with lending in this area slumping to new lows.
10 November 2016 - The Reserve Bank might want debt-to-income ratios (DTIs) as part of its arsenal but it doesn’t intend to introduce them into the regulatory mix at this stage.
25 October 2016 - Controversial debt-to-income ratios (DTIs) have moved a step closer.
11 October 2016 - Funding costs are getting steeper for investors as banks charge higher margins and the lending environment tightens, mortgage brokers are warning.
16 September 2016 - Don’t expect another OCR cut this week: economists are uniformly predicting the Reserve Bank will leave the OCR on hold, but cut later this year.
5 September 2016 - Greater clarification of the details surrounding new lending requirements has come today with the Reserve Bank’s confirmation of its latest investor-targeted LVRs.
26 August 2016 - Competitive market and increasing funding costs mean Kiwibank has experienced a small drop in its annual after tax profits.
24 August 2016 - New LVR restrictions seem to be affecting mortgage demand already, with the Reserve Bank’s latest residential lending data showing a big dip in mortgage lending
23 August 2016 - Skyrocketing house prices mean New Zealand banks are facing increased economic risks and will now have higher risk weights, a global ratings agency has said.
12 August 2016 - The Reserve Bank has delayed the start date of new LVRs aimed at investors from 1 September to 1 October 2016, following banking industry feedback.
12 August 2016 - The Reserve Bank is deferring the start of the proposed changes to investor loan-to-value restrictions (LVRs) nationwide from 1 September to 1 October 2016, based on feedback from the banking industry from its recent consultation on the proposals.
21 July 2016 - The Reserve Bank says more official cash rate cuts are likely as it fights to get inflation into its target range.
8 July 2016 - Frantic investor buying and increased squeeze on the rental market could be the end-result of further LVRs, investor advocates are warning.
9 June 2016 - The Reserve Bank may have left the OCR unchanged – due to a more upbeat economic assessment - this morning, but economists continue to expect a further cut to come.
17 May 2016 - New macro-prudential measures to curb the housing market could be introduced within the next three months, one bank economist has suggested.
11 May 2016 - Further LVR restrictions may be off the table for the time being, but economists still believe more macro-prudential measures are on the way.
19 April 2016 - Speculation over the prospect of further restrictions on the housing market has been growing, but the Reserve Bank is remaining silent.
28 January 2016 - Nobody was surprised by the Reserve Bank’s announcement this morning that the OCR will remain unchanged at 2.5%.
11 November 2015 - There are no Reserve Bank plans for further investor restrictions, despite its housing market concerns.
14 October 2015 - Global economic concerns mean more “easing” of the OCR is likely, even though this could further fuel the already-hot housing market, the Reserve Bank Governor has said.
25 September 2015 - The bulk of lending to property investors will not be affected by the new loan-to-value restrictions, which come into effect from November.
18 August 2015 - Rampant Auckland property prices – as opposed to the banking and finance system itself - are to blame for Standard & Poor’s downgrading of New Zealand’s risk assessment.
21 July 2015 - Banks are closing the door on low-equity Auckland property investors, even before the Reserve Bank rules kick in.
11 June 2015 - The Reserve Bank cut the OCR to 3.25% today after their concerns about dairy prices outweighed their Auckland housing market concerns.
4 June 2015 - Up to 4% could be shaved off Auckland’s house prices - thanks to the Reserve Bank’s new LVR rules.
Tighter LVR restrictions for Auckland investors...
13 May 2015 - Auckland property investors now have to have a 30% deposit to buy a rental under new rules proposed by the Reserve Bank. Here is what the bank said.
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