SUMMARY OF FINDINGS
HOUSING FINANCE FOR OWNER OCCUPATION
(Table 1)
The total value of owner occupied housing commitments excluding alterations and additions rose 0.4% in trend terms and the seasonally adjusted series rose 0.6%.
For further information, please refer to Housing Finance, Australia (cat.no. 5609.0), which was released on 14 January 2013.
PERSONAL FINANCE
(Tables 1 & 4)
In trend terms, the value of total personal finance commitments was flat in November 2012 compared with October 2012. Revolving credit commitments fell 0.5%, while fixed lending commitments rose 0.3%.
In seasonally adjusted terms, the value of total personal finance commitments rose 1.0%. Revolving credit commitments rose 1.0% and fixed lending commitments rose 0.9%.
COMMERCIAL FINANCE
(Tables 1 & 8)
The trend series for the value of total commercial finance commitments rose 1.1% in November 2012 compared with October 2012. Revolving credit commitments rose 2.8% and fixed lending commitments rose 0.4%.
The seasonally adjusted series for the value of total commercial finance commitments fell 7.2% in November 2012, after a rise of 4.5% in October 2012 and a rise of 10.1% in September 2012. Fixed lending commitments fell 10.8%, after a rise of 6.3% in the previous month. Revolving credit commitments rose 2.4%, after a fall of 0.2% in the previous month.
The value of commitments for the purchase of dwellings by individuals for rent or resale (trend) rose 0.9% in November 2012 and the seasonally adjusted series rose 2.4%.
PURCHASE OF DWELLINGS BY INDIVIDUALS FOR RENT OR RESALE

LEASE FINANCE
(Table 1)
The value of total lease finance commitments (trend) fell 0.1% in November 2012. The seasonally adjusted series rose 1.5%, after a fall of 5.9% in October 2012.
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