SUMMARY OF FINDINGS

VALUE OF COMMITMENTS TO HOUSEHOLDS AND BUSINESSES
		Seasonally Adjusted
		Value	Month Percent Change	Year Percent Change
		$m	%	%
Total lending		64 344	-8.8	-9.0
Lending to households(a)		30 861	1.3	-13.6
	Owner occupier dwellings excluding refinancing	12 446	2.4	-14.8
	Investment dwellings excluding refinancing	4 374	0.5	-24.7
	Personal finance excluding refinancing	5 096	4.9	-10.9
	Refinancing(b)	8 644	-2.1	-6.7
	Alterations and additions	279	2.7	-8.8
Lending to businesses		33 484	-16.5	-4.4
	Commercial finance	32 878	-16.5	-4.4
	Lease finance	606	-19.2	-4.3
(a) Components may not sum to total due to independent seasonal adjustment
(b) Includes refinancing for owner occupier dwellings, investment dwellings and personal finance

NUMBER OF COMMITMENTS FOR OWNER OCCUPIED DWELLINGS
		Seasonally Adjusted
		Number	Month Percent Change	Year Percent Change
		no.	%	%
Total owner occupied dwellings excluding refinancing		30 894	0.4	-13.6
	Construction of dwellings	5 296	-2.3	-8.7
	Purchase of newly constructed dwellings	2 091	-1.2	-23.0
	Purchase of established dwellings	23 507	1.2	-13.7
Owner occupier first home buyers		8 999	2.1	-4.6
Total owner occupied dwellings including refinancing		45 987	-0.9	-12.4
	Refinancing	15 093	-3.3	-9.6

Owner Occupier Dwellings excluding refinancing, Value of commitments, Seasonally adjusted - Monthly percentage change


Investment Dwellings excluding refinancing, Value of commitments, Seasonally adjusted - Monthly percentage changeLending to Households, Value of commitments - Seasonally Adjusted and Trend

Owner Occupier First Home Buyers, Number of commitments (000's)