5601.0 - Lending to households and businesses, Australia, Dec 2018 Quality Declaration 
ARCHIVED ISSUE Released at 11:30 AM (CANBERRA TIME) 12/02/2019   
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SUMMARY OF FINDINGS

VALUE OF COMMITMENTS TO HOUSEHOLDS AND BUSINESSES
Seasonally Adjusted
Value
Month Percent Change
Year Percent Change
$m
%
%
Total lending
62 705
-7.1
-10.9
Lending to households(a)
32 025
-4.4
-15.0
Owner occupier dwellings excluding refinancing
12 495
-6.4
-16.2
Investment dwellings excluding refinancing
4 892
-4.6
-27.8
Personal finance excluding refinancing
5 105
-2.9
-15.2
Refinancing(b)
9 157
-3.2
-4.6
Alterations and additions
336
18.9
-11.1
Lending to businesses
30 680
-9.7
-6.2
Commercial finance
30 112
-9.8
-6.1
Lease finance
568
-5.7
-12.8
(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
32 102
-8.2
-14.4
Construction of dwellings
5 428
-2.4
-10.6
Purchase of newly constructed dwellings
2 431
-5.5
-20.2
Purchase of established dwellings
24 242
-9.7
-14.5
Owner occupier first home buyers
8 476
-9.6
-12.6
Total owner occupied dwellings including refinancing
48 690
-6.1
-11.6
Refinancing
16 587
-1.7
-5.8
Lending to Households, Value of commitments - Trend
Graph: Lending to Households, Value of commitments—Trend


Owner Occupier First Home Buyers, Number of commitments
Graph: Owner Occupier First Home Buyers, Number of commitments