SUMMARY OF FINDINGS

VALUE OF COMMITMENTS TO HOUSEHOLDS AND BUSINESSES
		Seasonally Adjusted
		Value	Month Percent Change	Year Percent Change
		$m	%	%
Total lending		65 302	0.5	-5.1
Lending to households(a)		33 468	3.2	-4.0
	Owner occupier dwellings excluding refinancing	13 555	1.9	-1.7
	Investment dwellings excluding refinancing	4 884	5.7	-13.0
	Personal finance excluding refinancing	4 712	-2.2	-17.8
	Refinancing(b)	10 109	7.7	6.7
	Alterations and additions	285	4.5	-0.1
Lending to businesses		31 833	-2.1	-6.3
	Commercial finance	31 261	-2.1	-6.3
	Lease finance	572	-1.8	-7.0
(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		32 740	0.7	-5.1
	Construction of dwellings	5 253	0.3	-7.9
	Purchase of newly constructed dwellings	2 399	2.7	-7.4
	Purchase of established dwellings	25 088	0.6	-4.3
Owner occupier first home buyers		9 869	5.2	8.0
Total owner occupied dwellings including refinancing		49 792	1.8	-3.7
	Refinancing	17 052	4.1	-0.8

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





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





Lending to Households, Value of commitments - Seasonally Adjusted and Trend





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