Lending indicators

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This release is about new borrower-accepted finance commitments for housing, personal and business loans

Reference period

July 2020

Released

9/09/2020

View all releases

Key statistics

New loan commitments (seasonally adjusted):

rose 8.9% for housing.
rose 6.9% for personal fixed term loans.
fell 25.1% for business construction (typically volatile series).

Important data quality note

In this issue, there are significant revisions to previously published statistics about housing and personal loan commitments. Please see the section below titled "Data quality information: significant revisions to housing and personal finance, COVID-19 impacts, Economic and Financial Statistics (EFS) collection" for more information.

New loan commitments

			July 2020	Month percent change	Year percent change
			$b	%	%
				Seasonally adjusted
Households
	Housing		18.92	8.9	11.8
		Owner occupier (a)	14.33	10.7	18.5
		Investor (a)	4.58	3.5	-5.1
	Personal
		Fixed term loans	1.57	6.9	-3.9
Businesses
	Construction		2.32	-25.1	-16.6
	Purchase of property		3.10	-14.2	-25.4

a. Loan commitments for owner occupier, investor housing and personal fixed term loans exclude refinancing.

Key graphs

Total housing excluding refinancing rose sharply, but remains down on pre-COVID levels

New loan commitments, total housing (seasonally adjusted), values, Australia
	Total (ex. refinancing) ($b)	Owner occupier (ex. refinancing) ($b)	Investor (ex. refinancing) ($b)
Jul-04	12.02	7.32	4.70
Aug-04	12.05	7.40	4.66
Sep-04	12.22	7.42	4.80
Oct-04	11.97	7.43	4.54
Nov-04	12.56	7.68	4.88
Dec-04	12.91	7.90	5.01
Jan-05	13.23	8.11	5.13
Feb-05	13.83	8.49	5.34
Mar-05	13.52	8.23	5.29
Apr-05	13.31	8.15	5.16
May-05	12.68	7.98	4.70
Jun-05	12.69	8.16	4.53
Jul-05	12.83	8.08	4.75
Aug-05	12.87	8.28	4.59
Sep-05	13.52	8.64	4.88
Oct-05	14.03	8.73	5.30
Nov-05	14.06	8.86	5.20
Dec-05	14.06	8.90	5.16
Jan-06	14.28	8.97	5.31
Feb-06	14.43	9.18	5.25
Mar-06	14.58	9.30	5.28
Apr-06	14.51	9.26	5.25
May-06	15.40	9.64	5.76
Jun-06	15.54	9.51	6.03
Jul-06	15.26	9.77	5.49
Aug-06	15.04	9.52	5.52
Sep-06	14.17	9.18	4.99
Oct-06	14.33	9.29	5.04
Nov-06	14.20	9.23	4.97
Dec-06	14.61	9.43	5.18
Jan-07	14.93	9.54	5.38
Feb-07	15.40	9.77	5.63
Mar-07	15.90	10.07	5.83
Apr-07	16.36	10.32	6.04
May-07	17.05	10.65	6.40
Jun-07	18.30	11.36	6.95
Jul-07	17.41	10.77	6.64
Aug-07	17.40	11.02	6.38
Sep-07	16.83	10.52	6.31
Oct-07	16.82	10.74	6.08
Nov-07	16.99	10.65	6.33
Dec-07	16.56	10.37	6.19
Jan-08	16.90	10.81	6.09
Feb-08	15.66	9.88	5.78
Mar-08	14.55	9.14	5.41
Apr-08	13.90	8.75	5.16
May-08	12.96	8.17	4.79
Jun-08	12.96	8.20	4.76
Jul-08	12.79	8.14	4.65
Aug-08	12.64	7.98	4.66
Sep-08	12.98	8.24	4.74
Oct-08	13.35	8.54	4.81
Nov-08	13.10	8.61	4.49
Dec-08	13.89	9.34	4.55
Jan-09	14.89	10.23	4.66
Feb-09	15.37	10.78	4.58
Mar-09	16.71	11.96	4.75
Apr-09	17.04	11.96	5.08
May-09	16.85	11.82	5.03
Jun-09	17.21	11.96	5.25
Jul-09	17.17	11.73	5.44
Aug-09	17.35	11.64	5.71
Sep-09	17.88	12.18	5.71
Oct-09	17.61	11.82	5.79
Nov-09	17.08	11.09	5.99
Dec-09	16.50	10.62	5.88
Jan-10	15.96	10.12	5.83
Feb-10	15.67	9.80	5.88
Mar-10	15.52	9.57	5.95
Apr-10	15.26	9.36	5.90
May-10	15.43	9.43	5.99
Jun-10	15.12	9.13	5.99
Jul-10	15.05	9.29	5.76
Aug-10	14.63	9.23	5.40
Sep-10	14.61	9.14	5.47
Oct-10	14.66	9.18	5.49
Nov-10	14.71	9.32	5.39
Dec-10	15.00	9.42	5.58
Jan-11	14.16	9.02	5.15
Feb-11	14.07	8.88	5.19
Mar-11	13.62	8.83	4.80
Apr-11	14.00	9.01	4.99
May-11	14.23	9.08	5.16
Jun-11	14.13	9.10	5.04
Jul-11	14.09	9.04	5.05
Aug-11	14.16	9.03	5.13
Sep-11	13.92	8.78	5.14
Oct-11	13.87	8.87	5.00
Nov-11	14.06	8.98	5.08
Dec-11	14.73	9.40	5.33
Jan-12	14.77	9.40	5.38
Feb-12	14.08	8.68	5.40
Mar-12	14.09	8.70	5.39
Apr-12	14.35	8.93	5.42
May-12	14.50	9.11	5.40
Jun-12	14.74	9.25	5.49
Jul-12	14.77	9.27	5.50
Aug-12	14.86	9.43	5.43
Sep-12	15.10	9.49	5.61
Oct-12	14.90	9.38	5.52
Nov-12	15.21	9.46	5.75
Dec-12	15.37	9.53	5.84
Jan-13	15.91	9.80	6.10
Feb-13	16.15	9.88	6.27
Mar-13	16.88	10.34	6.53
Apr-13	16.94	10.30	6.64
May-13	17.21	10.41	6.80
Jun-13	17.31	10.49	6.83
Jul-13	17.45	10.50	6.95
Aug-13	17.36	10.23	7.12
Sep-13	18.18	10.74	7.44
Oct-13	18.69	10.89	7.80
Nov-13	19.28	11.24	8.05
Dec-13	19.01	10.95	8.06
Jan-14	19.16	11.17	7.99
Feb-14	19.40	11.46	7.95
Mar-14	19.49	11.39	8.10
Apr-14	19.61	11.33	8.28
May-14	19.47	11.21	8.26
Jun-14	19.62	11.38	8.24
Jul-14	19.81	11.28	8.53
Aug-14	19.61	10.95	8.65
Sep-14	19.98	11.10	8.88
Oct-14	20.54	11.39	9.15
Nov-14	20.15	11.04	9.11
Dec-14	20.46	11.36	9.10
Jan-15	20.75	11.57	9.18
Feb-15	20.17	11.30	8.86
Mar-15	21.26	11.73	9.53
Apr-15	21.89	11.83	10.06
May-15	20.24	11.08	9.15
Jun-15	21.10	11.96	9.13
Jul-15	21.07	12.26	8.81
Aug-15	21.70	13.22	8.48
Sep-15	20.92	13.53	7.38
Oct-15	20.00	13.13	6.88
Nov-15	19.74	13.07	6.67
Dec-15	19.68	12.96	6.72
Jan-16	19.16	12.55	6.61
Feb-16	19.36	12.70	6.66
Mar-16	19.15	12.49	6.66
Apr-16	19.63	12.76	6.87
May-16	19.89	12.69	7.20
Jun-16	20.17	12.68	7.49
Jul-16	19.99	12.38	7.60
Aug-16	19.80	12.24	7.56
Sep-16	20.73	12.43	8.30
Oct-16	21.17	12.58	8.59
Nov-16	21.60	12.76	8.84
Dec-16	22.11	13.16	8.95
Jan-17	22.37	13.31	9.07
Feb-17	21.81	13.19	8.62
Mar-17	22.65	13.78	8.87
Apr-17	22.21	13.57	8.64
May-17	22.30	13.95	8.34
Jun-17	21.97	13.88	8.09
Jul-17	22.07	14.21	7.86
Aug-17	22.46	14.51	7.95
Sep-17	22.04	14.27	7.77
Oct-17	21.56	14.01	7.55
Nov-17	21.62	14.20	7.43
Dec-17	21.30	14.12	7.18
Jan-18	21.30	14.30	7.01
Feb-18	21.17	14.16	7.01
Mar-18	20.54	13.96	6.59
Apr-18	20.21	13.82	6.39
May-18	20.55	14.10	6.45
Jun-18	20.17	13.93	6.24
Jul-18	20.18	13.90	6.28
Aug-18	19.27	13.24	6.03
Sep-18	18.76	12.92	5.84
Oct-18	18.65	12.98	5.67
Nov-18	17.83	12.46	5.37
Dec-18	17.14	11.95	5.19
Jan-19	16.91	11.90	5.00
Feb-19	17.05	12.10	4.95
Mar-19	16.55	11.75	4.80
Apr-19	16.56	11.83	4.73
May-19	16.02	11.38	4.63
Jun-19	16.60	11.89	4.70
Jul-19	16.93	12.10	4.83
Aug-19	17.85	12.60	5.26
Sep-19	17.96	12.90	5.06
Oct-19	18.40	13.26	5.15
Nov-19	19.36	13.96	5.40
Dec-19	19.83	14.35	5.47
Jan-20	19.93	14.52	5.41
Feb-20	19.25	13.98	5.27
Mar-20	19.50	14.44	5.07
Apr-20	18.55	13.70	4.85
May-20	16.33	12.24	4.09
Jun-20	17.38	12.95	4.43
Jul-20	18.92	14.33	4.58

New loan commitments, total housing (seasonally adjusted), values, Australia

["","Total (ex. refinancing)","Owner occupier (ex. refinancing)","Investor (ex. refinancing)"]

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[]

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Personal fixed term loan commitments increased for the third straight month

New loan commitments, personal fixed term loans (seasonally adjusted), values, Australia
	Total purpose excluding refinancing ($b)	Purchase of road vehicles ($b)	Personal investment (excluding housing) ($b)	Other purposes ($b)
Jul-04	1.6	0.8	0.5	0.2
Aug-04	1.6	0.8	0.5	0.2
Sep-04	1.7	0.8	0.5	0.2
Oct-04	1.7	0.8	0.5	0.2
Nov-04	1.6	0.8	0.5	0.2
Dec-04	1.6	0.7	0.6	0.2
Jan-05	1.5	0.7	0.5	0.2
Feb-05	1.4	0.8	0.4	0.2
Mar-05	1.5	0.7	0.5	0.2
Apr-05	1.5	0.7	0.5	0.2
May-05	1.4	0.7	0.4	0.2
Jun-05	1.4	0.7	0.4	0.2
Jul-05	1.4	0.7	0.4	0.2
Aug-05	1.5	0.7	0.4	0.2
Sep-05	1.5	0.7	0.5	0.2
Oct-05	1.5	0.7	0.5	0.2
Nov-05	1.5	0.7	0.5	0.2
Dec-05	1.5	0.7	0.5	0.2
Jan-06	1.5	0.7	0.5	0.2
Feb-06	1.5	0.7	0.6	0.2
Mar-06	1.5	0.7	0.5	0.2
Apr-06	1.5	0.7	0.6	0.2
May-06	1.6	0.7	0.6	0.2
Jun-06	1.6	0.7	0.5	0.2
Jul-06	1.5	0.7	0.5	0.2
Aug-06	1.5	0.7	0.4	0.2
Sep-06	1.4	0.7	0.4	0.2
Oct-06	1.4	0.7	0.4	0.2
Nov-06	1.5	0.8	0.4	0.2
Dec-06	1.5	0.7	0.4	0.2
Jan-07	1.5	0.7	0.4	0.2
Feb-07	1.5	0.8	0.4	0.2
Mar-07	1.6	0.8	0.5	0.2
Apr-07	1.7	0.8	0.5	0.2
May-07	1.7	0.8	0.5	0.2
Jun-07	1.9	0.8	0.6	0.3
Jul-07	1.6	0.8	0.5	0.2
Aug-07	1.6	0.8	0.6	0.2
Sep-07	1.7	0.8	0.6	0.2
Oct-07	1.7	0.8	0.5	0.2
Nov-07	1.7	0.8	0.6	0.2
Dec-07	1.7	0.8	0.5	0.2
Jan-08	1.7	0.8	0.6	0.2
Feb-08	1.7	0.8	0.6	0.2
Mar-08	1.7	0.8	0.5	0.2
Apr-08	1.6	0.8	0.5	0.2
May-08	1.6	0.8	0.5	0.2
Jun-08	1.5	0.8	0.3	0.2
Jul-08	1.6	0.8	0.5	0.2
Aug-08	1.6	0.8	0.5	0.2
Sep-08	1.5	0.8	0.5	0.2
Oct-08	1.5	0.7	0.5	0.2
Nov-08	1.3	0.7	0.5	0.2
Dec-08	1.4	0.7	0.5	0.2
Jan-09	1.4	0.7	0.4	0.2
Feb-09	1.4	0.7	0.4	0.2
Mar-09	1.4	0.7	0.4	0.2
Apr-09	1.4	0.7	0.4	0.2
May-09	1.4	0.7	0.4	0.2
Jun-09	1.5	0.6	0.5	0.2
Jul-09	1.5	0.7	0.5	0.2
Aug-09	1.5	0.7	0.5	0.2
Sep-09	1.5	0.7	0.5	0.2
Oct-09	1.5	0.7	0.5	0.2
Nov-09	1.4	0.7	0.4	0.2
Dec-09	1.8	0.7	0.6	0.3
Jan-10	1.7	0.7	0.6	0.3
Feb-10	1.7	0.8	0.6	0.3
Mar-10	1.7	0.8	0.5	0.3
Apr-10	1.7	0.8	0.5	0.3
May-10	1.7	0.8	0.5	0.3
Jun-10	1.8	0.9	0.4	0.4
Jul-10	1.7	0.8	0.4	0.3
Aug-10	1.6	0.9	0.4	0.3
Sep-10	1.7	0.9	0.4	0.3
Oct-10	1.7	0.9	0.4	0.3
Nov-10	1.6	0.9	0.4	0.3
Dec-10	1.6	0.9	0.4	0.3
Jan-11	1.6	0.9	0.3	0.3
Feb-11	1.6	0.9	0.3	0.2
Mar-11	1.6	0.9	0.3	0.3
Apr-11	1.6	0.9	0.3	0.3
May-11	1.6	0.9	0.3	0.3
Jun-11	1.6	0.9	0.4	0.3
Jul-11	1.6	0.9	0.3	0.3
Aug-11	1.7	0.9	0.4	0.3
Sep-11	1.7	0.9	0.3	0.3
Oct-11	1.7	0.9	0.3	0.3
Nov-11	1.6	0.9	0.3	0.3
Dec-11	1.7	1.0	0.3	0.3
Jan-12	1.6	0.9	0.3	0.3
Feb-12	1.6	0.9	0.3	0.2
Mar-12	1.5	0.9	0.3	0.2
Apr-12	1.6	1.0	0.3	0.2
May-12	1.7	1.0	0.3	0.2
Jun-12	1.7	1.0	0.3	0.3
Jul-12	1.7	1.0	0.3	0.3
Aug-12	1.7	1.0	0.3	0.3
Sep-12	1.8	1.0	0.3	0.3
Oct-12	1.8	1.1	0.3	0.3
Nov-12	1.9	1.1	0.3	0.3
Dec-12	1.9	1.1	0.3	0.3
Jan-13	1.9	1.1	0.3	0.3
Feb-13	1.9	1.0	0.3	0.3
Mar-13	1.9	1.0	0.3	0.3
Apr-13	1.8	1.0	0.3	0.3
May-13	1.8	1.0	0.3	0.3
Jun-13	1.7	1.0	0.3	0.3
Jul-13	1.8	1.0	0.3	0.3
Aug-13	1.7	1.0	0.3	0.2
Sep-13	1.8	1.0	0.3	0.3
Oct-13	1.7	1.0	0.3	0.3
Nov-13	1.7	1.0	0.3	0.3
Dec-13	1.7	1.0	0.3	0.3
Jan-14	1.8	1.0	0.3	0.3
Feb-14	1.9	1.1	0.3	0.3
Mar-14	1.8	1.0	0.3	0.3
Apr-14	1.8	1.0	0.3	0.2
May-14	1.8	1.0	0.3	0.3
Jun-14	1.7	1.0	0.3	0.2
Jul-14	1.8	1.0	0.4	0.3
Aug-14	1.8	1.0	0.3	0.3
Sep-14	1.8	1.0	0.4	0.3
Oct-14	1.9	1.0	0.4	0.3
Nov-14	1.8	1.0	0.4	0.3
Dec-14	1.8	1.0	0.4	0.3
Jan-15	1.8	1.0	0.4	0.2
Feb-15	1.9	1.0	0.4	0.3
Mar-15	1.9	1.0	0.4	0.3
Apr-15	2.1	1.1	0.4	0.3
May-15	2.0	1.1	0.4	0.3
Jun-15	2.0	1.1	0.4
Jul-15	1.9	1.1	0.4
Aug-15	1.9	1.1	0.3
Sep-15	1.8	1.1	0.3	0.3
Oct-15	1.8	1.1	0.3	0.2
Nov-15	1.8	1.1	0.3	0.2
Dec-15	1.9	1.1	0.3	0.3
Jan-16	1.9	1.1	0.3	0.3
Feb-16	2.0	1.1	0.3	0.3
Mar-16	2.2	1.4	0.3	0.4
Apr-16	2.3	1.3	0.3	0.4
May-16	2.2	1.3	0.3	0.4
Jun-16	2.1	1.3	0.3	0.4
Jul-16	2.2	1.3	0.3	0.3
Aug-16	2.1	1.3	0.3	0.4
Sep-16	2.1	1.2	0.3	0.3
Oct-16	2.0	1.2	0.3	0.3
Nov-16	2.0	1.2	0.3	0.3
Dec-16	2.1	1.3	0.3	0.3
Jan-17	2.0	1.2	0.3	0.3
Feb-17	1.9	1.2	0.3	0.3
Mar-17	1.8	1.1	0.3	0.2
Apr-17	1.8	1.1	0.3	0.2
May-17	1.7	1.1	0.3	0.2
Jun-17	1.7	1.1	0.3	0.2
Jul-17	1.7	1.1	0.2	0.2
Aug-17	1.7	1.1	0.2
Sep-17	1.8	1.1	0.3	0.2
Oct-17	1.9	1.2	0.3	0.3
Nov-17	1.9	1.2	0.2	0.3
Dec-17	1.8	1.2	0.2	0.3
Jan-18	1.8	1.2	0.2	0.2
Feb-18	1.8	1.2	0.2	0.2
Mar-18	1.8	1.2	0.2	0.2
Apr-18	1.8	1.1	0.2	0.2
May-18	1.7	1.1	0.2	0.2
Jun-18	1.8	1.2	0.2	0.3
Jul-18	1.8	1.1	0.2	0.3
Aug-18	1.8	1.1	0.2	0.3
Sep-18	1.8	1.2	0.2	0.3
Oct-18	1.7	1.1	0.2	0.3
Nov-18	1.7	1.1	0.1	0.3
Dec-18	1.6	1.1	0.1	0.3
Jan-19	1.6	1.1	0.1	0.3
Feb-19	1.6	1.1	0.1	0.3
Mar-19	1.6	1.1	0.1	0.3
Apr-19	1.6	1.1	0.1	0.2
May-19	1.6	1.1	0.1	0.2
Jun-19	1.7	1.1	0.2	0.3
Jul-19	1.6	1.1	0.2	0.3
Aug-19	1.7	1.1	0.1	0.3
Sep-19	1.7	1.1	0.2	0.3
Oct-19	1.7	1.1	0.2	0.3
Nov-19	1.7	1.0	0.2	0.3
Dec-19	1.8	1.1	0.2	0.3
Jan-20	1.8	1.1	0.2	0.3
Feb-20	1.8	1.1	0.2	0.3
Mar-20	1.6	1.0	0.2	0.3
Apr-20	1.2	0.6	0.3	0.2
May-20	1.4	0.9	0.2	0.2
Jun-20	1.5	1.1	0.1	0.2
Jul-20	1.6	1.1	0.2	0.2

New loan commitments, personal fixed term loans (seasonally adjusted), values, Australia

["","Total purpose excluding refinancing","Purchase of road vehicles","Personal investment (excluding housing)","Other purposes"]

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[]

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...smaller purposes of fixed term loans for personal finance
	Purchase of other vehicles and equipment ($b)	Household and personal goods ($b)	Travel and holidays ($b)	External refinancing ($b)
Jul-04	0.03	0.03	0.05	0.13
Aug-04	0.03	0.03	0.04	0.13
Sep-04	0.03	0.03	0.04	0.12
Oct-04	0.03	0.03	0.05	0.12
Nov-04	0.04	0.03	0.04	0.13
Dec-04	0.03	0.03	0.04	0.13
Jan-05	0.03	0.03	0.04	0.13
Feb-05	0.03	0.03	0.04	0.12
Mar-05	0.03	0.03	0.04	0.12
Apr-05	0.03	0.03	0.05	0.11
May-05	0.03	0.03	0.03	0.11
Jun-05	0.02	0.03	0.04	0.09
Jul-05	0.03	0.03	0.05	0.10
Aug-05	0.03	0.03	0.05	0.11
Sep-05	0.03	0.03	0.05	0.11
Oct-05	0.03	0.03	0.05	0.12
Nov-05	0.03	0.03	0.05	0.12
Dec-05	0.03	0.03	0.05	0.13
Jan-06	0.03	0.03	0.05	0.14
Feb-06	0.03	0.03	0.05	0.15
Mar-06	0.03	0.03	0.05	0.15
Apr-06	0.03	0.03	0.05	0.14
May-06	0.03	0.03	0.06	0.17
Jun-06	0.03	0.03	0.05	0.17
Jul-06	0.03	0.03	0.06	0.17
Aug-06	0.03	0.03	0.06	0.17
Sep-06	0.03	0.03	0.06	0.17
Oct-06	0.03	0.03	0.07	0.16
Nov-06	0.03	0.03	0.07	0.16
Dec-06	0.04	0.03	0.07	0.14
Jan-07	0.03	0.03	0.06	0.14
Feb-07	0.04	0.03	0.06	0.14
Mar-07	0.04	0.03	0.06	0.14
Apr-07	0.04	0.03	0.03	0.15
May-07	0.03	0.04	0.03	0.15
Jun-07	0.04	0.04	0.03	0.16
Jul-07	0.03	0.03	0.03	0.15
Aug-07	0.04	0.03	0.03	0.16
Sep-07	0.03	0.03	0.03	0.17
Oct-07	0.04	0.04	0.03	0.17
Nov-07	0.04	0.04	0.03	0.19
Dec-07	0.04	0.03	0.04	0.17
Jan-08	0.04	0.04	0.04	0.20
Feb-08	0.03	0.04	0.04	0.22
Mar-08	0.03	0.04	0.04	0.20
Apr-08	0.03	0.04	0.04	0.19
May-08	0.03	0.03	0.04	0.14
Jun-08	0.03	0.04	0.04	0.16
Jul-08	0.03	0.03	0.04	0.17
Aug-08	0.03	0.03	0.04	0.16
Sep-08	0.03	0.03	0.04	0.16
Oct-08	0.03	0.03	0.04	0.18
Nov-08	0.03	0.03	0.03	0.17
Dec-08	0.03	0.04	0.03	0.22
Jan-09	0.03	0.04	0.03	0.21
Feb-09	0.03	0.04	0.03	0.22
Mar-09	0.03	0.04	0.03	0.21
Apr-09	0.03	0.04	0.03	0.22
May-09	0.03	0.04	0.03	0.23
Jun-09	0.03	0.04	0.03	0.26
Jul-09	0.03	0.03	0.03	0.25
Aug-09	0.03	0.03	0.04	0.26
Sep-09	0.03	0.03	0.03	0.24
Oct-09	0.03	0.03	0.03	0.23
Nov-09	0.03	0.03	0.03	0.22
Dec-09	0.03	0.05	0.03	0.22
Jan-10	0.03	0.04	0.03	0.22
Feb-10	0.03	0.05	0.03	0.21
Mar-10	0.03	0.05	0.03	0.21
Apr-10	0.03	0.05	0.04	0.21
May-10	0.03	0.05	0.03	0.22
Jun-10	0.03	0.05	0.04	0.26
Jul-10	0.03	0.05	0.03	0.23
Aug-10	0.03	0.04	0.03	0.23
Sep-10	0.03	0.04	0.03	0.24
Oct-10	0.03	0.05	0.04	0.24
Nov-10	0.03	0.05	0.04	0.26
Dec-10	0.03	0.04	0.04	0.28
Jan-11	0.03	0.04	0.04	0.24
Feb-11	0.03	0.03	0.04	0.22
Mar-11	0.03	0.04	0.04	0.21
Apr-11	0.03	0.05	0.04	0.23
May-11	0.03	0.05	0.04	0.24
Jun-11	0.03	0.06	0.04	0.24
Jul-11	0.03	0.05	0.04	0.23
Aug-11	0.03	0.06	0.04	0.23
Sep-11	0.03	0.06	0.04	0.24
Oct-11	0.03	0.05	0.04	0.24
Nov-11	0.04	0.06	0.04	0.24
Dec-11	0.04	0.06	0.05	0.24
Jan-12	0.04	0.06	0.05	0.24
Feb-12	0.04	0.06	0.05	0.26
Mar-12	0.04	0.06	0.05	0.26
Apr-12	0.04	0.06	0.05	0.24
May-12	0.04	0.06	0.05	0.25
Jun-12	0.03	0.06	0.05	0.23
Jul-12	0.04	0.07	0.05	0.28
Aug-12	0.04	0.07	0.05	0.26
Sep-12	0.04	0.07	0.06	0.26
Oct-12	0.04	0.07	0.06	0.24
Nov-12	0.04	0.07	0.06	0.23
Dec-12	0.04	0.07	0.06	0.24
Jan-13	0.04	0.08	0.06	0.24
Feb-13	0.04	0.07	0.06	0.24
Mar-13	0.04	0.07	0.06	0.27
Apr-13	0.04	0.07	0.06	0.30
May-13	0.04	0.07	0.06	0.26
Jun-13	0.04	0.07	0.06	0.24
Jul-13	0.04	0.07	0.06	0.19
Aug-13	0.04	0.07	0.06	0.16
Sep-13	0.04	0.07	0.06	0.17
Oct-13	0.04	0.07	0.06	0.19
Nov-13	0.04	0.07	0.06	0.19
Dec-13	0.04	0.07	0.06	0.18
Jan-14	0.04	0.07	0.06	0.17
Feb-14	0.04	0.07	0.06	0.17
Mar-14	0.04	0.07	0.06	0.16
Apr-14	0.04	0.07	0.06	0.15
May-14	0.04	0.07	0.07	0.15
Jun-14	0.04	0.07	0.06	0.15
Jul-14	0.04	0.07	0.06	0.17
Aug-14	0.04	0.08	0.06	0.18
Sep-14	0.04	0.08	0.05	0.18
Oct-14	0.04	0.09	0.06	0.18
Nov-14	0.04	0.09	0.06	0.16
Dec-14	0.04	0.07	0.06	0.16
Jan-15	0.04	0.08	0.05	0.15
Feb-15	0.04	0.08	0.05	0.16
Mar-15	0.04	0.09	0.06	0.16
Apr-15	0.04	0.09	0.06	0.17
May-15	0.04	0.09	0.06	0.17
Jun-15	#N/A	0.09	0.06	#N/A
Jul-15	#N/A	0.09	0.06	#N/A
Aug-15	#N/A	0.09	0.06	#N/A
Sep-15	0.04	0.08	0.06	0.10
Oct-15	0.04	0.07	0.06	0.10
Nov-15	0.04	0.07	0.07	0.11
Dec-15	0.05	0.08	0.06	0.11
Jan-16	0.04	0.08	0.06	0.11
Feb-16	0.05	0.07	0.06	0.11
Mar-16	0.05	0.08	0.07	0.12
Apr-16	0.05	0.08	0.07	0.13
May-16	0.05	0.08	0.07	0.12
Jun-16	0.05	0.08	0.07	0.13
Jul-16	0.05	0.08	0.06	0.13
Aug-16	0.04	0.08	0.06	0.13
Sep-16	0.04	0.07	0.07	0.14
Oct-16	0.04	0.07	0.06	0.14
Nov-16	0.05	0.07	0.06	0.14
Dec-16	0.05	0.07	0.06	0.16
Jan-17	0.05	0.07	0.06	0.14
Feb-17	0.05	0.07	0.06	0.12
Mar-17	0.04	0.07	0.07	0.12
Apr-17	0.04	0.07	0.06	0.11
May-17	0.04	0.07	0.06	0.09
Jun-17	0.04	0.07	0.06	0.08
Jul-17	0.05	0.07	0.06	0.11
Aug-17	#N/A	0.07	0.06	0.11
Sep-17	0.05	0.07	0.06	0.11
Oct-17	0.04	0.07	0.06	0.12
Nov-17	0.05	0.07	0.06	0.11
Dec-17	0.04	0.07	0.06	0.10
Jan-18	0.05	0.07	0.06	0.10
Feb-18	0.05	0.07	0.06	0.10
Mar-18	0.05	0.06	0.06	0.10
Apr-18	0.05	0.06	0.05	0.11
May-18	0.05	0.06	0.05	0.12
Jun-18	0.05	0.07	0.05	0.12
Jul-18	0.05	0.06	0.05	0.12
Aug-18	0.05	0.06	0.05	0.12
Sep-18	0.05	0.06	0.05	0.13
Oct-18	0.05	0.06	0.05	0.12
Nov-18	0.05	0.06	0.05	0.12
Dec-18	0.05	0.06	0.04	0.13
Jan-19	0.05	0.06	0.04	0.13
Feb-19	0.05	0.06	0.04	0.14
Mar-19	0.04	0.06	0.04	0.14
Apr-19	0.05	0.06	0.04	0.13
May-19	0.05	0.06	0.04	0.13
Jun-19	0.05	0.06	0.04	0.13
Jul-19	0.06	0.06	0.04	0.14
Aug-19	0.05	0.06	0.03	0.14
Sep-19	0.05	0.07	0.03	0.15
Oct-19	0.05	0.07	0.03	0.16
Nov-19	0.04	0.08	0.03	0.17
Dec-19	0.04	0.09	0.04	0.17
Jan-20	0.04	0.10	0.03	0.17
Feb-20	0.05	0.07	0.04	0.16
Mar-20	0.04	0.07	0.02	0.16
Apr-20	0.03	0.06	0.00	0.12
May-20	0.04	0.06	0.00	0.12
Jun-20	0.07	0.08	0.00	0.10
Jul-20	0.06	0.07	0.00	0.12

...smaller purposes of fixed term loans for personal finance

["","Purchase of other vehicles and equipment","Household and personal goods","Travel and holidays","External refinancing"]

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[]

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Business lending for the purchase of property reached the lowest level since August 2013 and is down 43% on the most recent May 2019 peak

New loan commitments, business finance by purpose (seasonally adjusted), values, Australia
	Construction ($b)	Purchase of property ($b)
Jul-04	1.75	2.57
Aug-04	1.65	2.23
Sep-04	1.29	2.68
Oct-04	2.85	2.73
Nov-04	1.78	2.32
Dec-04	1.31	2.48
Jan-05	1.23	2.34
Feb-05	1.28	2.26
Mar-05	1.26	2.09
Apr-05	2.52	2.56
May-05	1.85	2.12
Jun-05	1.52	1.99
Jul-05	1.91	2.38
Aug-05	1.44	4.09
Sep-05	1.78	2.27
Oct-05	1.30	2.31
Nov-05	1.43	2.40
Dec-05	2.24	2.41
Jan-06	1.39	3.07
Feb-06	2.03	2.21
Mar-06	1.68	3.04
Apr-06	1.52	2.47
May-06	1.79	3.14
Jun-06	1.42	3.74
Jul-06	1.26	2.74
Aug-06	1.77	2.72
Sep-06	3.06	2.44
Oct-06	1.68	2.91
Nov-06	2.27	3.24
Dec-06	1.81	3.14
Jan-07	1.65	3.60
Feb-07	1.45	3.96
Mar-07	2.06	3.65
Apr-07	1.45	3.58
May-07	1.29	3.05
Jun-07	2.01	5.28
Jul-07	1.84	4.71
Aug-07	3.83	5.36
Sep-07	2.30	5.52
Oct-07	2.09	5.31
Nov-07	1.24	3.33
Dec-07	1.82	5.49
Jan-08	2.83	5.09
Feb-08	2.36	5.81
Mar-08	1.13	4.58
Apr-08	2.37	4.61
May-08	1.77	4.81
Jun-08	2.01	3.18
Jul-08	3.39	3.42
Aug-08	2.03	3.01
Sep-08	1.28	3.82
Oct-08	2.20	3.19
Nov-08	1.39	3.24
Dec-08	1.57	2.47
Jan-09	1.09	2.20
Feb-09	1.39	2.29
Mar-09	1.33	1.85
Apr-09	1.22	3.68
May-09	2.99	2.25
Jun-09	2.02	2.39
Jul-09	1.33	2.21
Aug-09	1.10	2.81
Sep-09	2.87	3.43
Oct-09	1.33	2.20
Nov-09	1.51	2.58
Dec-09	1.08	2.49
Jan-10	1.30	2.69
Feb-10	1.50	2.62
Mar-10	1.23	3.08
Apr-10	1.68	3.10
May-10	1.42	2.55
Jun-10	0.95	2.90
Jul-10	1.16	4.33
Aug-10	1.37	2.92
Sep-10	1.27	2.31
Oct-10	1.00	2.87
Nov-10	1.28	1.77
Dec-10	1.15	3.18
Jan-11	1.20	2.68
Feb-11	1.26	2.63
Mar-11	1.46	2.61
Apr-11	1.02	2.57
May-11	1.61	2.97
Jun-11	1.56	2.76
Jul-11	1.47	2.91
Aug-11	1.83	2.73
Sep-11	1.63	2.26
Oct-11	1.35	2.60
Nov-11	#N/A	2.67
Dec-11	1.35	2.67
Jan-12	1.04	2.79
Feb-12	1.29	2.56
Mar-12	1.52	3.08
Apr-12	1.03	2.93
May-12	1.02	2.57
Jun-12	1.04	2.85
Jul-12	1.03	2.78
Aug-12	0.69	2.47
Sep-12	1.21	3.28
Oct-12	4.42	3.11
Nov-12	1.00	2.69
Dec-12	2.68	2.69
Jan-13	1.36	3.11
Feb-13	0.88	2.86
Mar-13	0.97	2.66
Apr-13	0.73	2.98
May-13	1.35	3.31
Jun-13	1.47	3.30
Jul-13	1.23	3.05
Aug-13	1.50	3.34
Sep-13	1.47	3.40
Oct-13	1.67	3.42
Nov-13	2.13	5.14
Dec-13	2.21	4.08
Jan-14	1.61	3.22
Feb-14	2.25	4.46
Mar-14	1.55	4.64
Apr-14	3.77	4.21
May-14	1.81	4.57
Jun-14	1.55	3.88
Jul-14	2.91	4.61
Aug-14	1.71	4.78
Sep-14	2.98	4.25
Oct-14	2.17	4.51
Nov-14	1.67	3.04
Dec-14	2.21	4.76
Jan-15	3.69	4.45
Feb-15	2.64	4.39
Mar-15	2.09	4.43
Apr-15	2.39	4.79
May-15	2.34	5.00
Jun-15	2.09	4.84
Jul-15	2.02	4.88
Aug-15	2.26	4.97
Sep-15	1.88	8.35
Oct-15	2.20	5.01
Nov-15	2.28	5.26
Dec-15	2.20	5.69
Jan-16	1.65	4.52
Feb-16	1.87	5.54
Mar-16	3.18	5.25
Apr-16	3.25	5.14
May-16	2.23	4.73
Jun-16	1.80	5.12
Jul-16	2.32	5.26
Aug-16	1.86	5.00
Sep-16	1.54	5.36
Oct-16	1.87	5.11
Nov-16	4.28	5.32
Dec-16	1.99	5.07
Jan-17	2.85	5.92
Feb-17	1.84	5.69
Mar-17	2.05	5.74
Apr-17	2.37	5.37
May-17	1.88	5.52
Jun-17	2.89	5.84
Jul-17	1.88	6.36
Aug-17	2.81	5.50
Sep-17	1.97	5.23
Oct-17	2.22	6.01
Nov-17	3.56	5.59
Dec-17	2.71	4.96
Jan-18	2.97	5.45
Feb-18	2.55	5.41
Mar-18	2.91	5.25
Apr-18	2.87	5.53
May-18	2.63	5.31
Jun-18	2.23	5.40
Jul-18	2.60	4.91
Aug-18	2.07	5.55
Sep-18	2.08	5.73
Oct-18	3.55	5.55
Nov-18	1.49	6.22
Dec-18	2.00	4.37
Jan-19	2.60	5.22
Feb-19	2.91	5.07
Mar-19	2.16	5.65
Apr-19	1.90	5.61
May-19	2.66	6.60
Jun-19	3.03	7.44
Jul-19	2.78	4.16
Aug-19	3.07	5.23
Sep-19	3.91	4.89
Oct-19	3.38	4.07
Nov-19	2.69	4.23
Dec-19	3.00	5.22
Jan-20	2.14	4.58
Feb-20	2.33	5.10
Mar-20	3.18	4.68
Apr-20	1.90	4.35
May-20	1.97	4.26
Jun-20	3.10	3.61
Jul-20	2.32	3.10

New loan commitments, business finance by purpose (seasonally adjusted), values, Australia

["","Construction","Purchase of property"]

[["Jul-04","Aug-04","Sep-04","Oct-04","Nov-04","Dec-04","Jan-05","Feb-05","Mar-05","Apr-05","May-05","Jun-05","Jul-05","Aug-05","Sep-05","Oct-05","Nov-05","Dec-05","Jan-06","Feb-06","Mar-06","Apr-06","May-06","Jun-06","Jul-06","Aug-06","Sep-06","Oct-06","Nov-06","Dec-06","Jan-07","Feb-07","Mar-07","Apr-07","May-07","Jun-07","Jul-07","Aug-07","Sep-07","Oct-07","Nov-07","Dec-07","Jan-08","Feb-08","Mar-08","Apr-08","May-08","Jun-08","Jul-08","Aug-08","Sep-08","Oct-08","Nov-08","Dec-08","Jan-09","Feb-09","Mar-09","Apr-09","May-09","Jun-09","Jul-09","Aug-09","Sep-09","Oct-09","Nov-09","Dec-09","Jan-10","Feb-10","Mar-10","Apr-10","May-10","Jun-10","Jul-10","Aug-10","Sep-10","Oct-10","Nov-10","Dec-10","Jan-11","Feb-11","Mar-11","Apr-11","May-11","Jun-11","Jul-11","Aug-11","Sep-11","Oct-11","Nov-11","Dec-11","Jan-12","Feb-12","Mar-12","Apr-12","May-12","Jun-12","Jul-12","Aug-12","Sep-12","Oct-12","Nov-12","Dec-12","Jan-13","Feb-13","Mar-13","Apr-13","May-13","Jun-13","Jul-13","Aug-13","Sep-13","Oct-13","Nov-13","Dec-13","Jan-14","Feb-14","Mar-14","Apr-14","May-14","Jun-14","Jul-14","Aug-14","Sep-14","Oct-14","Nov-14","Dec-14","Jan-15","Feb-15","Mar-15","Apr-15","May-15","Jun-15","Jul-15","Aug-15","Sep-15","Oct-15","Nov-15","Dec-15","Jan-16","Feb-16","Mar-16","Apr-16","May-16","Jun-16","Jul-16","Aug-16","Sep-16","Oct-16","Nov-16","Dec-16","Jan-17","Feb-17","Mar-17","Apr-17","May-17","Jun-17","Jul-17","Aug-17","Sep-17","Oct-17","Nov-17","Dec-17","Jan-18","Feb-18","Mar-18","Apr-18","May-18","Jun-18","Jul-18","Aug-18","Sep-18","Oct-18","Nov-18","Dec-18","Jan-19","Feb-19","Mar-19","Apr-19","May-19","Jun-19","Jul-19","Aug-19","Sep-19","Oct-19","Nov-19","Dec-19","Jan-20","Feb-20","Mar-20","Apr-20","May-20","Jun-20","Jul-20"],[[1.7490000000000001],[1.6459999999999999],[1.292],[2.8479999999999999],[1.782],[1.3140000000000001],[1.2250000000000001],[1.2749999999999999],[1.2609999999999999],[2.5209999999999999],[1.845],[1.5169999999999999],[1.905],[1.4390000000000001],[1.776],[1.3009999999999999],[1.4339999999999999],[2.2410000000000001],[1.389],[2.0249999999999999],[1.681],[1.524],[1.7889999999999999],[1.423],[1.2549999999999999],[1.7709999999999999],[3.0579999999999998],[1.6759999999999999],[2.2709999999999999],[1.8069999999999999],[1.6479999999999999],[1.45],[2.0619999999999998],[1.4530000000000001],[1.292],[2.0139999999999998],[1.839],[3.8290000000000002],[2.2999999999999998],[2.0859999999999999],[1.238],[1.819],[2.8319999999999999],[2.359],[1.1319999999999999],[2.3690000000000002],[1.77],[2.0089999999999999],[3.387],[2.0299999999999998],[1.278],[2.1970000000000001],[1.3899999999999999],[1.5720000000000001],[1.091],[1.3859999999999999],[1.333],[1.2150000000000001],[2.9860000000000002],[2.016],[1.329],[1.103],[2.8700000000000001],[1.329],[1.5049999999999999],[1.083],[1.3],[1.5],[1.226],[1.681],[1.421],[0.94899999999999995],[1.1619999999999999],[1.371],[1.266],[1.0029999999999999],[1.282],[1.1499999999999999],[1.2],[1.2609999999999999],[1.4590000000000001],[1.022],[1.613],[1.5600000000000001],[1.466],[1.8340000000000001],[1.6339999999999999],[1.349],[null],[1.349],[1.0409999999999999],[1.288],[1.516],[1.03],[1.022],[1.0349999999999999],[1.032],[0.69399999999999995],[1.2050000000000001],[4.4169999999999998],[1.004],[2.6779999999999999],[1.357],[0.877],[0.97099999999999997],[0.73399999999999999],[1.345],[1.4730000000000001],[1.23],[1.5029999999999999],[1.4670000000000001],[1.669],[2.1269999999999998],[2.2130000000000001],[1.613],[2.2480000000000002],[1.552],[3.7690000000000001],[1.806],[1.55],[2.9140000000000001],[1.708],[2.9769999999999999],[2.1739999999999999],[1.667],[2.21],[3.6909999999999998],[2.6400000000000001],[2.085],[2.391],[2.3359999999999999],[2.0939999999999999],[2.02],[2.2570000000000001],[1.8819999999999999],[2.1970000000000001],[2.282],[2.1989999999999998],[1.6539999999999999],[1.865],[3.1819999999999999],[3.2530000000000001],[2.2250000000000001],[1.802],[2.3199999999999998],[1.863],[1.54],[1.8700000000000001],[4.2809999999999997],[1.9870000000000001],[2.851],[1.8420000000000001],[2.0470000000000002],[2.3700000000000001],[1.8759999999999999],[2.887],[1.881],[2.8140000000000001],[1.9670000000000001],[2.2200000000000002],[3.5630000000000002],[2.706],[2.9670000000000001],[2.552],[2.9140000000000001],[2.8690000000000002],[2.6309999999999998],[2.2320000000000002],[2.5960000000000001],[2.0739999999999998],[2.081],[3.5489999999999999],[1.4870000000000001],[2.0019999999999998],[2.6019999999999999],[2.911],[2.1579999999999999],[1.895],[2.6600000000000001],[3.0259999999999998],[2.782],[3.0739999999999998],[3.9089999999999998],[3.3839999999999999],[2.6850000000000001],[3.0009999999999999],[2.1349999999999998],[2.3279999999999998],[3.1840000000000002],[1.901],[1.97],[3.0979999999999999],[2.3199999999999998]],[[2.5680000000000001],[2.23],[2.677],[2.726],[2.3199999999999998],[2.4820000000000002],[2.3410000000000002],[2.262],[2.0859999999999999],[2.556],[2.117],[1.99],[2.3759999999999999],[4.0919999999999996],[2.2679999999999998],[2.3100000000000001],[2.3959999999999999],[2.4060000000000001],[3.0680000000000001],[2.214],[3.0379999999999998],[2.4670000000000001],[3.1419999999999999],[3.7410000000000001],[2.7370000000000001],[2.722],[2.4359999999999999],[2.9129999999999998],[3.2429999999999999],[3.1440000000000001],[3.597],[3.9590000000000001],[3.6539999999999999],[3.5800000000000001],[3.0529999999999999],[5.2779999999999996],[4.7069999999999999],[5.3620000000000001],[5.5220000000000002],[5.3120000000000003],[3.3340000000000001],[5.4930000000000003],[5.0890000000000004],[5.8120000000000003],[4.5789999999999997],[4.6079999999999997],[4.8099999999999996],[3.1789999999999998],[3.4199999999999999],[3.0099999999999998],[3.8149999999999999],[3.1869999999999998],[3.2410000000000001],[2.4649999999999999],[2.202],[2.2890000000000001],[1.8540000000000001],[3.6840000000000002],[2.246],[2.3900000000000001],[2.2109999999999999],[2.8140000000000001],[3.427],[2.1960000000000002],[2.5840000000000001],[2.488],[2.6880000000000002],[2.6190000000000002],[3.0790000000000002],[3.101],[2.5489999999999999],[2.9039999999999999],[4.3250000000000002],[2.9209999999999998],[2.3119999999999998],[2.867],[1.766],[3.181],[2.6749999999999998],[2.633],[2.6059999999999999],[2.5649999999999999],[2.9660000000000002],[2.762],[2.9129999999999998],[2.7280000000000002],[2.2599999999999998],[2.6019999999999999],[2.6699999999999999],[2.6739999999999999],[2.794],[2.5550000000000002],[3.0750000000000002],[2.9260000000000002],[2.5649999999999999],[2.847],[2.778],[2.4710000000000001],[3.2770000000000001],[3.1139999999999999],[2.6909999999999998],[2.6920000000000002],[3.105],[2.8580000000000001],[2.6549999999999998],[2.9809999999999999],[3.3069999999999999],[3.298],[3.052],[3.3410000000000002],[3.403],[3.4209999999999998],[5.1390000000000002],[4.0830000000000002],[3.218],[4.4619999999999997],[4.6390000000000002],[4.2140000000000004],[4.5720000000000001],[3.8809999999999998],[4.6109999999999998],[4.782],[4.2510000000000003],[4.5099999999999998],[3.044],[4.7599999999999998],[4.452],[4.3940000000000001],[4.4320000000000004],[4.7930000000000001],[4.9960000000000004],[4.8380000000000001],[4.8769999999999998],[4.9729999999999999],[8.3469999999999995],[5.0090000000000003],[5.2590000000000003],[5.6920000000000002],[4.5179999999999998],[5.5439999999999996],[5.2519999999999998],[5.1440000000000001],[4.7320000000000002],[5.117],[5.2629999999999999],[4.9969999999999999],[5.3550000000000004],[5.1070000000000002],[5.3170000000000002],[5.0659999999999998],[5.9169999999999998],[5.694],[5.7370000000000001],[5.3739999999999997],[5.5229999999999997],[5.835],[6.3559999999999999],[5.5030000000000001],[5.226],[6.0069999999999997],[5.5940000000000003],[4.9640000000000004],[5.4509999999999996],[5.4130000000000003],[5.2510000000000003],[5.5330000000000004],[5.3140000000000001],[5.399],[4.9089999999999998],[5.5519999999999996],[5.7270000000000003],[5.5460000000000003],[6.2169999999999996],[4.3680000000000003],[5.2240000000000002],[5.0709999999999997],[5.6449999999999996],[5.6130000000000004],[6.5999999999999996],[7.4349999999999996],[4.157],[5.234],[4.8890000000000002],[4.0739999999999998],[4.2279999999999998],[5.2229999999999999],[4.577],[5.1040000000000001],[4.6760000000000002],[4.351],[4.2629999999999999],[3.6110000000000002],[3.0990000000000002]]]

[]

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Data quality information: significant revisions to housing and personal finance, COVID-19 impacts, Economic and Financial Statistics (EFS) collection

From July 2019 onwards, data in this publication has been sourced from the Economic and Financial Statistics (EFS) collection, a new and improved data source collected by APRA on behalf of the ABS and RBA. There have been extensive and ongoing discussions with lenders about the EFS collection. Data quality is expected to continue to improve over time, as lenders become accustomed to the new reporting basis and further refine the data they report. This process is likely to lead to revisions, including to the historical time series - see below for further details.

Revisions

In previous releases, users have been advised that specific data quality issues have been identified with the reporting of detailed housing loan purpose categories and personal finance. This release includes updated information from reporting entities to correct these issues, with data revised back to July 2002. The most significant impact of these revisions is on the purchase of newly erected dwellings series in housing finance, for which some commitments have now been correctly reclassified to the purchase of existing dwellings as well as a portion to construction of new dwellings. Total housing is largely unchanged. The revisions have also corrected the over-reporting of new borrower accepted commitments for credit cards.

Lender type breakdowns

Lender type breakdowns for Major banks, Other Authorised Deposit-taking Institutions (ADIs) and Non-ADIs are only available in this publication from July 2019 onwards. It is likely that more information about lender-type breakdowns will become available in the coming months.

Coronavirus (COVID-19) impacts in July data

The World Health Organisation (WHO) commenced daily situation reports of the coronavirus (COVID-19) outbreak on 21 January 2020 and identified it as an international health emergency on 30 January. From 1 February, the Australian Government placed travel restrictions on those travelling to Australia from mainland China. In March, regulations to encourage social distancing saw further impacts on the ability of businesses to trade as normal, and restricted mass public gatherings such as open houses or auctions.

The month of July 2020 showed the largest rise in the history of the series for new housing loan commitments, brought about by the easing of COVID-19 related restrictions on open houses, auctions and people's mobility in general. The increases were seen across most states and territories, including Victoria where restrictions were eased for a time before restrictions were re-introduced. New loan commitments for fixed term personal finance also rose in the month, though they remain below the pre-COVID-19 levels of February.

The ABS and APRA are also actively managing the potential risks from COVID-19 to data collection operations. The ABS appreciates the support of APRA and lending institutions in continuing to provide the data used to compile this publication.

Suspension of trend series

The trend series attempts to measure underlying behaviour in lending activity. In the short term, this measurement will be significantly affected by changes to regular patterns in lending that will occur during this time, as potential home buyers face uncertainty about their job security, for example. If the trend estimates in this publication were to be calculated without fully accounting for this irregular event, they would likely provide a misleading view of underlying lending activity.

It may be some time before the underlying trend in lending activity can be accurately estimated. The Lending Indicators trend series have therefore been suspended starting from March 2020. The trend series will be reinstated when more certainty emerges in the underlying trend in lending.

Update to seasonal adjustment methods

Lending Indicators uses the concurrent seasonal adjustment method, meaning that seasonal factors are re-estimated each time a new data point becomes available. If not appropriately accounted for, unusual real-world events, such as COVID-19, can distort estimates calculated using this method. From April 2020, seasonal factors are being calculated using data up to and including March 2020, then projected from April 2020 onwards. This approach, known as the forward factor method, ensures that the seasonal factors are not distorted by COVID-19 impacts.

Housing

New loan commitments by purpose				Seasonally adjusted
			July 2020	Month percent change	Year percent change
				%	%
			Value ($b)
Owner occupier
	Total housing (a)		14.33	10.7	18.5
		Construction of dwellings	1.71	8.3	19.9
		Purchase of newly erected dwellings	1.13	9.8	30.9
		Purchase of existing dwellings	10.23	9.4	14.0
	First home buyers		4.24	10.6	26.5
Investor
	Total housing (a)		4.58	3.5	-5.1
			Number
Owner occupier
	Total housing (a) (b)		-	-	-
		Construction of dwellings	3 806	9.0	7.8
		Purchase of newly erected dwellings	2 261	4.0	21.4
		Purchase of existing dwellings	20 937	10.5	6.5
	First home buyers		10 451	14.4	24.3
Investor
	Total housing (a) (b)		-	-	-

a. Housing includes loan commitments for dwellings, purchase of residential land and for alterations and additions.
b. There is no seasonally adjusted or trend data available for the number of owner occupiers or investors for total housing as the data was collected from July 2019.

Both owner occupiers and investors displayed the second consecutive month of growth in July, following historically large falls in May

New loan commitments for housing by purpose (seasonally adjusted), monthly growth in value, Australia
	Owner occupier (%)	Investor (%)
Jul-19	2.0	3.0
Aug-19	4.0	9.0
Sep-19	2.0	-4.0
Oct-19	3.0	2.0
Nov-19	5.0	5.0
Dec-19	3.0	1.0
Jan-20	1.0	-1.0
Feb-20	-4.0	-3.0
Mar-20	3.0	-4.0
Apr-20	-5.0	-4.0
May-20	-11.0	-16.0
Jun-20	6.0	8.0
Jul-20	11.0	4.0

New loan commitments for housing by purpose (seasonally adjusted), monthly growth in value, Australia

["","Owner occupier","Investor"]

[["Jul-19","Aug-19","Sep-19","Oct-19","Nov-19","Dec-19","Jan-20","Feb-20","Mar-20","Apr-20","May-20","Jun-20","Jul-20"],[[2],[4],[2],[3],[5],[3],[1],[-4],[3],[-5],[-11],[6],[11]],[[3],[9],[-4],[2],[5],[1],[-1],[-3],[-4],[-4],[-16],[8],[4]]]

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There have been strong rises across owner occupier housing loan purposes in June and July, highlighted by a sharp increase in loan commitments for the purchase of residential land*

New loan commitments for owner occupier housing by purpose (seasonally adjusted), values, Australia
	Purchase of existing dwellings ($b)	Purchase of newly erected dwellings ($b)	Construction of dwellings ($b)	Alterations, additions and repairs ($b)	Purchase of residential land ($b)
Jul-10	6.78	0.59	1.11	0.27	0.55
Aug-10	6.78	0.54	1.12	0.27	0.52
Sep-10	6.69	0.57	1.10	0.27	0.51
Oct-10	6.66	0.61	1.10	0.29	0.52
Nov-10	6.68	0.71	1.16	0.27	0.51
Dec-10	6.85	0.60	1.13	0.28	0.57
Jan-11	6.64	0.59	1.06	0.24	0.50
Feb-11	6.59	0.51	1.08	0.26	0.44
Mar-11	6.53	0.52	1.05	0.27	0.45
Apr-11	6.64	0.55	1.09	0.26	0.47
May-11	6.53	0.61	1.17	0.27	0.50
Jun-11	6.60	0.59	1.08	0.28	0.55
Jul-11	6.63	0.59	1.09	0.26	0.47
Aug-11	6.60	0.62	1.06	0.28	0.48
Sep-11	6.38	0.58	1.08	0.27	0.48
Oct-11	6.53	0.57	1.05	0.24	0.48
Nov-11	6.58	0.59	1.08	0.26	0.47
Dec-11	6.95	0.62	1.07	0.25	0.51
Jan-12	6.93	0.62	1.09	0.27	0.48
Feb-12	6.27	0.55	1.13	0.25	0.49
Mar-12	6.32	0.59	1.10	0.24	0.46
Apr-12	6.43	0.64	1.11	0.24	0.50
May-12	6.62	0.58	1.15	0.24	0.52
Jun-12	6.67	0.59	1.18	0.24	0.57
Jul-12	6.78	0.55	1.20	0.24	0.50
Aug-12	6.96	0.56	1.17	0.24	0.50
Sep-12	7.04	0.59	1.13	0.24	0.50
Oct-12	6.92	0.58	1.12	0.25	0.52
Nov-12	7.04	0.55	1.12	0.24	0.52
Dec-12	7.06	0.53	1.16	0.25	0.53
Jan-13	7.28	0.57	1.15	0.24	0.58
Feb-13	7.38	0.53	1.17	0.24	0.56
Mar-13	7.65	0.57	1.27	0.25	0.60
Apr-13	7.65	0.55	1.25	0.24	0.62
May-13	7.76	0.56	1.23	0.25	0.61
Jun-13	7.90	0.49	1.26	0.24	0.60
Jul-13	7.90	0.55	1.23	0.24	0.58
Aug-13	7.57	0.55	1.26	0.24	0.61
Sep-13	8.05	0.54	1.29	0.24	0.63
Oct-13	8.15	0.57	1.31	0.24	0.64
Nov-13	8.33	0.65	1.34	0.24	0.67
Dec-13	8.15	0.58	1.31	0.25	0.66
Jan-14	8.26	0.57	1.42	0.24	0.68
Feb-14	8.45	0.60	1.45	0.25	0.70
Mar-14	8.38	0.59	1.49	0.24	0.68
Apr-14	8.38	0.58	1.48	0.24	0.64
May-14	8.25	0.59	1.50	0.25	0.63
Jun-14	8.36	0.64	1.49	0.24	0.65
Jul-14	8.28	0.63	1.47	0.25	0.65
Aug-14	8.03	0.64	1.43	0.24	0.62
Sep-14	8.13	0.62	1.48	0.24	0.63
Oct-14	8.30	0.63	1.54	0.24	0.68
Nov-14	8.07	0.65	1.46	0.24	0.63
Dec-14	8.51	0.61	1.46	0.22	0.57
Jan-15	8.68	0.60	1.47	0.25	0.57
Feb-15	8.38	0.69	1.44	0.25	0.55
Mar-15	8.78	0.70	1.47	0.26	0.53
Apr-15	8.79	0.72	1.52	0.26	0.55
May-15	8.23	0.68	1.40	0.25	0.53
Jun-15	9.02	0.72	1.38	0.28	0.57
Jul-15	9.25	0.80	1.35	0.27	0.59
Aug-15	10.14	0.80	1.40	0.28	0.61
Sep-15	10.29	0.93	1.44	0.27	0.60
Oct-15	9.99	0.85	1.44	0.26	0.58
Nov-15	9.89	0.83	1.49	0.27	0.58
Dec-15	9.69	0.90	1.50	0.27	0.60
Jan-16	9.38	0.89	1.48	0.26	0.54
Feb-16	9.50	0.86	1.44	0.27	0.63
Mar-16	9.26	0.85	1.44	0.28	0.66
Apr-16	9.46	0.89	1.45	0.28	0.67
May-16	9.41	0.88	1.48	0.27	0.66
Jun-16	9.44	0.91	1.44	0.27	0.63
Jul-16	9.20	0.85	1.42	0.28	0.64
Aug-16	8.99	0.86	1.50	0.27	0.63
Sep-16	9.16	0.87	1.49	0.28	0.64
Oct-16	9.30	0.89	1.50	0.26	0.63
Nov-16	9.43	0.92	1.49	0.27	0.65
Dec-16	9.74	0.93	1.53	0.27	0.71
Jan-17	9.90	0.96	1.49	0.28	0.68
Feb-17	9.83	0.87	1.49	0.28	0.72
Mar-17	10.19	1.03	1.53	0.28	0.74
Apr-17	10.02	0.95	1.60	0.28	0.73
May-17	10.14	1.01	1.62	0.30	0.88
Jun-17	10.15	1.02	1.65	0.28	0.79
Jul-17	10.39	1.04	1.75	0.26	0.78
Aug-17	10.68	1.05	1.70	0.30	0.78
Sep-17	10.43	1.08	1.64	0.32	0.81
Oct-17	10.19	1.06	1.65	0.30	0.82
Nov-17	10.42	1.03	1.67	0.29	0.80
Dec-17	10.35	1.04	1.64	0.28	0.80
Jan-18	10.37	1.04	1.74	0.28	0.86
Feb-18	10.43	1.12	1.58	0.24	0.79
Mar-18	10.28	1.09	1.56	0.24	0.78
Apr-18	10.26	1.06	1.49	0.23	0.78
May-18	10.44	1.08	1.54	0.23	0.81
Jun-18	10.20	1.02	1.63	0.23	0.85
Jul-18	10.16	1.02	1.71	0.22	0.80
Aug-18	9.74	0.96	1.55	0.21	0.78
Sep-18	9.62	0.93	1.45	0.21	0.72
Oct-18	9.61	0.91	1.54	0.20	0.72
Nov-18	9.16	0.90	1.51	0.21	0.70
Dec-18	8.68	0.85	1.44	0.25	0.73
Jan-19	8.69	0.81	1.45	0.18	0.76
Feb-19	8.96	0.80	1.53	0.21	0.61
Mar-19	8.73	0.77	1.50	0.21	0.54
Apr-19	8.77	0.82	1.42	0.20	0.61
May-19	8.31	0.81	1.46	0.20	0.60
Jun-19	8.86	0.76	1.43	0.21	0.64
Jul-19	8.97	0.86	1.43	0.21	0.62
Aug-19	9.33	0.97	1.42	0.21	0.66
Sep-19	9.52	1.01	1.48	0.21	0.68
Oct-19	9.77	1.00	1.54	0.24	0.71
Nov-19	10.37	1.10	1.55	0.20	0.74
Dec-19	10.70	1.10	1.61	0.21	0.74
Jan-20	10.77	1.09	1.69	0.20	0.76
Feb-20	10.21	1.05	1.72	0.21	0.79
Mar-20	10.72	1.10	1.63	0.20	0.80
Apr-20	9.95	1.12	1.68	0.22	0.75
May-20	8.66	1.06	1.66	0.22	0.64
Jun-20	9.35	1.03	1.58	0.23	0.76
Jul-20	10.23	1.13	1.71	0.22	1.04

New loan commitments for owner occupier housing by purpose (seasonally adjusted), values, Australia

["","Purchase of existing dwellings","Purchase of newly erected dwellings","Construction of dwellings","Alterations, additions and repairs","Purchase of residential land"]

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2700000000000001],[0.224]],[[0.54800000000000004],[0.51800000000000002],[0.51100000000000001],[0.51500000000000001],[0.50700000000000001],[0.57299999999999995],[0.495],[0.438],[0.45400000000000001],[0.46700000000000003],[0.502],[0.55400000000000005],[0.47399999999999998],[0.48099999999999998],[0.47899999999999998],[0.48199999999999998],[0.46899999999999997],[0.51400000000000001],[0.48099999999999998],[0.48599999999999999],[0.45800000000000002],[0.499],[0.51900000000000002],[0.56699999999999995],[0.502],[0.497],[0.497],[0.52100000000000002],[0.51900000000000002],[0.52800000000000002],[0.57799999999999996],[0.55800000000000005],[0.60099999999999998],[0.61499999999999999],[0.60499999999999998],[0.59999999999999998],[0.57799999999999996],[0.61099999999999999],[0.626],[0.63800000000000001],[0.66800000000000004],[0.65900000000000003],[0.67600000000000005],[0.70399999999999996],[0.67800000000000005],[0.64400000000000002],[0.627],[0.64900000000000002],[0.65300000000000002],[0.622],[0.629],[0.67700000000000005],[0.63200000000000001],[0.56899999999999995],[0.56699999999999995],[0.55400000000000005],[0.53200000000000003],[0.54900000000000004],[0.52900000000000003],[0.56899999999999995],[0.59399999999999997],[0.61299999999999999],[0.60199999999999998],[0.58299999999999996],[0.58099999999999996],[0.60099999999999998],[0.53900000000000003],[0.627],[0.65900000000000003],[0.67300000000000004],[0.66200000000000003],[0.628],[0.64300000000000002],[0.63],[0.63500000000000001],[0.63100000000000001],[0.65200000000000002],[0.70599999999999996],[0.67700000000000005],[0.72099999999999997],[0.74099999999999999],[0.72599999999999998],[0.879],[0.78600000000000003],[0.77700000000000002],[0.78300000000000003],[0.81200000000000006],[0.81899999999999995],[0.79700000000000004],[0.79900000000000004],[0.86399999999999999],[0.78800000000000003],[0.78300000000000003],[0.78100000000000003],[0.80500000000000005],[0.84799999999999998],[0.80100000000000005],[0.78000000000000003],[0.71699999999999997],[0.71699999999999997],[0.69599999999999995],[0.72999999999999998],[0.76200000000000001],[0.60899999999999999],[0.54100000000000004],[0.61399999999999999],[0.60299999999999998],[0.63700000000000001],[0.622],[0.66200000000000003],[0.68100000000000005],[0.70699999999999996],[0.74399999999999999],[0.74299999999999999],[0.75900000000000001],[0.79100000000000004],[0.79700000000000004],[0.747],[0.64400000000000002],[0.75900000000000001],[1.0349999999999999]]]

[]

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*For periods prior to July 2019, statistics about owner occupier commitments for residential land are modelled using data about the total value of commitments for residential land.

July's rise in owner occupiers was seen across all states and territories, apart from ACT which remained relatively steady

New loan commitments for owner occupier housing (seasonally adjusted), values, by state
	NSW ($b)	Vic ($b)	Qld ($b)	SA ($b)	WA ($b)	Tas ($b)	NT ($b)	ACT ($b)
Jul-10	2.72	2.70	1.78	0.61	1.09	0.15	0.07	0.19
Aug-10	2.70	2.67	1.75	0.62	1.11	0.15	0.08	0.19
Sep-10	2.69	2.55	1.74	0.61	1.14	0.15	0.09	0.20
Oct-10	2.65	2.64	1.74	0.61	1.12	0.14	0.07	0.18
Nov-10	2.71	2.64	1.78	0.65	1.14	0.14	0.08	0.19
Dec-10	2.79	2.67	1.76	0.63	1.16	0.15	0.07	0.19
Jan-11	2.76	2.57	1.51	0.62	1.12	0.16	0.08	0.19
Feb-11	2.71	2.57	1.53	0.59	1.13	0.15	0.07	0.19
Mar-11	2.68	2.56	1.54	0.56	1.09	0.14	0.08	0.18
Apr-11	2.71	2.54	1.59	0.57	1.13	0.15	0.07	0.20
May-11	2.75	2.55	1.58	0.60	1.16	0.16	0.07	0.20
Jun-11	2.81	2.54	1.59	0.58	1.16	0.15	0.08	0.20
Jul-11	2.74	2.52	1.68	0.56	1.12	0.15	0.07	0.20
Aug-11	2.74	2.56	1.71	0.55	1.12	0.15	0.08	0.18
Sep-11	2.73	2.41	1.53	0.62	1.13	0.14	0.08	0.18
Oct-11	2.81	2.37	1.57	0.57	1.11	0.13	0.07	0.19
Nov-11	2.87	2.34	1.65	0.55	1.15	0.13	0.08	0.19
Dec-11	3.18	2.34	1.73	0.56	1.16	0.13	0.09	0.19
Jan-12	3.06	2.42	1.83	0.53	1.22	0.13	0.08	0.18
Feb-12	2.52	2.35	1.65	0.54	1.22	0.13	0.09	0.19
Mar-12	2.41	2.36	1.69	0.54	1.28	0.12	0.10	0.18
Apr-12	2.53	2.43	1.77	0.53	1.25	0.12	0.09	0.18
May-12	2.57	2.51	1.80	0.54	1.27	0.13	0.09	0.19
Jun-12	2.59	2.59	1.76	0.55	1.33	0.14	0.10	0.19
Jul-12	2.64	2.52	1.74	0.56	1.41	0.13	0.11	0.19
Aug-12	2.72	2.52	1.82	0.56	1.48	0.14	0.10	0.20
Sep-12	2.74	2.53	1.80	0.54	1.45	0.14	0.10	0.19
Oct-12	2.64	2.52	1.84	0.55	1.37	0.14	0.10	0.20
Nov-12	2.68	2.50	1.83	0.56	1.48	0.15	0.10	0.20
Dec-12	2.53	2.59	1.84	0.55	1.56	0.14	0.10	0.19
Jan-13	2.73	2.60	1.83	0.59	1.62	0.13	0.11	0.19
Feb-13	2.77	2.59	1.88	0.61	1.59	0.13	0.10	0.20
Mar-13	2.91	2.70	1.94	0.62	1.67	0.14	0.09	0.21
Apr-13	2.94	2.65	1.90	0.64	1.72	0.13	0.09	0.21
May-13	2.96	2.68	1.97	0.62	1.70	0.14	0.10	0.20
Jun-13	2.96	2.69	2.02	0.67	1.70	0.14	0.11	0.22
Jul-13	2.99	2.63	2.04	0.67	1.66	0.15	0.12	0.23
Aug-13	2.98	2.62	1.92	0.62	1.67	0.16	0.10	0.26
Sep-13	3.08	2.74	2.05	0.68	1.69	0.16	0.10	0.26
Oct-13	3.18	2.67	2.10	0.73	1.70	0.18	0.11	0.22
Nov-13	3.29	2.84	2.15	0.68	1.76	0.16	0.10	0.22
Dec-13	3.20	2.79	2.12	0.69	1.69	0.17	0.09	0.23
Jan-14	3.19	2.82	2.22	0.69	1.75	0.16	0.10	0.24
Feb-14	3.28	2.87	2.29	0.67	1.79	0.17	0.13	0.24
Mar-14	3.24	2.86	2.22	0.69	1.77	0.17	0.11	0.24
Apr-14	3.32	2.89	2.18	0.70	1.68	0.18	0.12	0.22
May-14	3.18	2.83	2.17	0.69	1.80	0.16	0.12	0.23
Jun-14	3.28	2.89	2.17	0.70	1.90	0.18	0.10	0.21
Jul-14	3.24	2.97	2.17	0.70	1.73	0.16	0.11	0.24
Aug-14	3.12	2.85	2.20	0.67	1.70	0.17	0.13	0.23
Sep-14	3.16	2.83	2.23	0.68	1.65	0.17	0.13	0.24
Oct-14	3.31	2.95	2.21	0.68	1.69	0.17	0.13	0.24
Nov-14	3.13	2.87	2.19	0.68	1.65	0.15	0.11	0.24
Dec-14	3.38	2.93	2.15	0.70	1.64	0.16	0.11	0.25
Jan-15	3.57	3.02	2.18	0.74	1.54	0.18	0.10	0.26
Feb-15	3.44	2.86	2.22	0.68	1.58	0.16	0.10	0.26
Mar-15	3.63	3.04	2.25	0.69	1.61	0.17	0.10	0.25
Apr-15	3.57	3.10	2.34	0.69	1.58	0.16	0.11	0.26
May-15	3.32	2.93	2.21	0.67	1.46	0.15	0.09	0.25
Jun-15	3.83	3.21	2.24	0.65	1.53	0.15	0.09	0.26
Jul-15	3.99	3.30	2.33	0.70	1.50	0.16	0.08	0.24
Aug-15	4.45	3.75	2.32	0.72	1.46	0.16	0.09	0.26
Sep-15	4.69	3.69	2.34	0.74	1.50	0.16	0.09	0.28
Oct-15	4.43	3.70	2.30	0.72	1.45	0.16	0.09	0.27
Nov-15	4.34	3.77	2.24	0.73	1.41	0.16	0.10	0.29
Dec-15	4.27	3.67	2.36	0.73	1.41	0.17	0.07	0.27
Jan-16	4.15	3.56	2.28	0.69	1.37	0.17	0.10	0.27
Feb-16	4.22	3.61	2.32	0.71	1.36	0.16	0.09	0.25
Mar-16	4.02	3.57	2.30	0.73	1.34	0.16	0.09	0.28
Apr-16	4.16	3.65	2.34	0.76	1.34	0.16	0.08	0.29
May-16	4.11	3.59	2.38	0.77	1.31	0.17	0.08	0.30
Jun-16	4.17	3.56	2.37	0.75	1.29	0.17	0.08	0.29
Jul-16	4.08	3.42	2.33	0.75	1.32	0.18	0.08	0.27
Aug-16	3.99	3.29	2.39	0.74	1.30	0.18	0.08	0.27
Sep-16	4.01	3.46	2.44	0.74	1.27	0.19	0.07	0.24
Oct-16	4.03	3.52	2.43	0.75	1.27	0.19	0.08	0.26
Nov-16	4.15	3.58	2.43	0.74	1.28	0.19	0.08	0.28
Dec-16	4.37	3.72	2.47	0.73	1.29	0.19	0.08	0.30
Jan-17	4.46	3.79	2.51	0.75	1.26	0.19	0.07	0.31
Feb-17	4.36	3.83	2.44	0.77	1.31	0.18	0.07	0.27
Mar-17	4.67	3.94	2.51	0.80	1.28	0.21	0.10	0.33
Apr-17	4.50	3.90	2.55	0.77	1.27	0.18	0.08	0.29
May-17	4.72	4.03	2.53	0.77	1.30	0.21	0.07	0.33
Jun-17	4.61	4.07	2.54	0.78	1.32	0.19	0.08	0.34
Jul-17	4.73	4.23	2.55	0.75	1.32	0.20	0.08	0.33
Aug-17	5.03	4.30	2.52	0.73	1.32	0.20	0.08	0.34
Sep-17	4.79	4.33	2.45	0.75	1.25	0.19	0.08	0.36
Oct-17	4.57	4.31	2.48	0.75	1.28	0.21	0.08	0.33
Nov-17	4.67	4.32	2.55	0.77	1.24	0.21	0.06	0.33
Dec-17	4.64	4.31	2.54	0.77	1.23	0.21	0.08	0.34
Jan-18	4.67	4.33	2.54	0.77	1.31	0.20	0.07	0.34
Feb-18	4.80	4.39	2.49	0.77	1.18	0.20	0.09	0.33
Mar-18	4.62	4.27	2.49	0.74	1.18	0.21	0.07	0.34
Apr-18	4.65	4.21	2.45	0.73	1.18	0.22	0.07	0.36
May-18	4.74	4.31	2.51	0.79	1.18	0.22	0.08	0.34
Jun-18	4.59	4.24	2.55	0.76	1.14	0.22	0.08	0.33
Jul-18	4.44	4.38	2.57	0.78	1.13	0.24	0.07	0.33
Aug-18	4.36	4.06	2.39	0.79	1.04	0.21	0.07	0.34
Sep-18	4.22	3.88	2.28	0.73	1.13	0.21	0.07	0.33
Oct-18	4.13	3.85	2.35	0.81	1.16	0.24	0.06	0.36
Nov-18	3.94	3.76	2.26	0.77	1.13	0.22	0.07	0.35
Dec-18	3.80	3.65	2.06	0.76	1.04	0.23	0.06	0.32
Jan-19	3.71	3.56	2.15	0.76	1.07	0.22	0.07	0.30
Feb-19	3.94	3.62	2.23	0.75	1.03	0.23	0.06	0.31
Mar-19	3.71	3.58	2.12	0.73	1.04	0.21	0.06	0.29
Apr-19	3.84	3.58	2.10	0.74	1.01	0.21	0.08	0.27
May-19	3.63	3.52	2.07	0.70	0.99	0.21	0.07	0.28
Jun-19	3.78	3.64	2.12	0.72	1.03	0.22	0.06	0.28
Jul-19	3.92	3.72	2.16	0.68	1.03	0.21	0.07	0.32
Aug-19	4.11	3.80	2.26	0.74	1.08	0.22	0.06	0.33
Sep-19	4.20	3.88	2.35	0.75	1.11	0.23	0.06	0.31
Oct-19	4.47	4.04	2.31	0.74	1.08	0.22	0.06	0.35
Nov-19	4.73	4.18	2.46	0.82	1.13	0.22	0.06	0.34
Dec-19	4.78	4.49	2.53	0.80	1.17	0.21	0.06	0.37
Jan-20	4.93	4.47	2.47	0.78	1.17	0.22	0.06	0.36
Feb-20	4.50	4.31	2.57	0.77	1.23	0.23	0.06	0.35
Mar-20	5.04	4.30	2.51	0.76	1.18	0.23	0.06	0.34
Apr-20	4.96	4.41	2.03	0.73	0.97	0.21	0.06	0.34
May-20	4.02	4.09	2.00	0.68	0.89	0.19	0.05	0.35
Jun-20	4.41	3.75	2.39	0.76	1.03	0.21	0.06	0.35
Jul-20	4.94	4.09	2.66	0.83	1.20	0.23	0.08	0.35

New loan commitments for owner occupier housing (seasonally adjusted), values, by state

["","NSW","Vic","Qld","SA","WA","Tas","NT","ACT"]

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[]

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While NSW, WA and SA displayed rises for investors in July, Victoria fell.

New loan commitments for investor housing (seasonally adjusted), values, by state
	NSW ($b)	Vic ($b)	Qld ($b)	SA ($b)	WA ($b)	Tas ($b)	NT ($b)	ACT ($b)
Jul-10	1.68	1.69	1.11	0.36	0.64	0.06	0.04	0.12
Aug-10	1.56	1.62	1.06	0.38	0.60	0.05	0.05	0.13
Sep-10	1.59	1.61	1.05	0.41	0.60	0.05	0.04	0.12
Oct-10	1.64	1.58	1.03	0.38	0.60	0.06	0.04	0.12
Nov-10	1.56	1.58	1.06	0.37	0.63	0.07	0.04	0.12
Dec-10	1.74	1.59	1.09	0.35	0.58	0.05	0.04	0.12
Jan-11	1.57	1.55	0.91	0.35	0.55	0.05	0.03	0.11
Feb-11	1.69	1.52	0.89	0.37	0.55	0.04	0.03	0.12
Mar-11	1.55	1.46	0.85	0.29	0.55	0.05	0.03	0.11
Apr-11	1.53	1.45	0.87	0.35	0.52	0.05	0.04	0.12
May-11	1.70	1.51	0.88	0.34	0.55	0.05	0.04	0.12
Jun-11	1.57	1.46	0.89	0.32	0.55	0.05	0.04	0.11
Jul-11	1.58	1.47	0.91	0.32	0.53	0.05	0.04	0.11
Aug-11	1.58	1.48	0.96	0.36	0.58	0.06	0.03	0.12
Sep-11	1.57	1.44	1.01	0.32	0.59	0.06	0.04	0.12
Oct-11	1.54	1.36	1.00	0.31	0.57	0.05	0.03	0.12
Nov-11	1.60	1.38	1.03	0.31	0.58	0.05	0.04	0.13
Dec-11	1.64	1.42	1.07	0.33	0.58	0.06	0.04	0.13
Jan-12	1.65	1.38	1.18	0.32	0.61	0.05	0.05	0.12
Feb-12	1.67	1.47	1.15	0.32	0.61	0.05	0.04	0.12
Mar-12	1.67	1.41	1.15	0.32	0.67	0.04	0.05	0.13
Apr-12	1.71	1.35	1.13	0.30	0.64	0.05	0.05	0.13
May-12	1.69	1.42	1.14	0.30	0.65	0.05	0.05	0.15
Jun-12	1.75	1.35	1.13	0.32	0.66	0.05	0.04	0.14
Jul-12	1.82	1.36	1.09	0.32	0.65	0.05	0.05	0.13
Aug-12	1.85	1.34	1.06	0.30	0.66	0.05	0.05	0.14
Sep-12	1.85	1.39	1.02	0.30	0.79	0.04	0.05	0.16
Oct-12	1.89	1.43	1.01	0.31	0.66	0.05	0.04	0.14
Nov-12	1.99	1.44	1.11	0.31	0.68	0.05	0.04	0.14
Dec-12	2.02	1.45	1.10	0.32	0.74	0.04	0.06	0.11
Jan-13	2.14	1.52	1.09	0.32	0.79	0.05	0.05	0.13
Feb-13	2.26	1.56	1.09	0.32	0.81	0.05	0.06	0.14
Mar-13	2.28	1.68	1.17	0.34	0.87	0.05	0.06	0.12
Apr-13	2.36	1.63	1.20	0.35	0.88	0.05	0.06	0.14
May-13	2.45	1.61	1.29	0.36	0.91	0.05	0.06	0.13
Jun-13	2.51	1.65	1.21	0.33	0.82	0.05	0.05	0.15
Jul-13	2.57	1.72	1.20	0.37	0.83	0.04	0.07	0.16
Aug-13	2.68	1.73	1.17	0.37	0.84	0.05	0.07	0.15
Sep-13	2.90	1.83	1.26	0.38	0.81	0.05	0.07	0.16
Oct-13	3.04	1.88	1.35	0.39	0.84	0.05	0.07	0.14
Nov-13	3.19	1.91	1.35	0.38	0.96	0.05	0.08	0.14
Dec-13	3.19	1.97	1.34	0.37	0.94	0.05	0.07	0.12
Jan-14	3.22	1.88	1.37	0.35	0.91	0.06	0.08	0.12
Feb-14	3.16	1.89	1.40	0.37	0.90	0.05	0.08	0.15
Mar-14	3.35	1.96	1.36	0.36	0.89	0.06	0.08	0.16
Apr-14	3.31	2.01	1.37	0.36	0.93	0.05	0.08	0.13
May-14	3.34	1.99	1.37	0.37	0.93	0.06	0.08	0.12
Jun-14	3.18	2.04	1.39	0.36	0.92	0.06	0.09	0.12
Jul-14	3.46	2.02	1.41	0.38	0.95	0.06	0.09	0.12
Aug-14	3.50	2.07	1.43	0.40	0.94	0.08	0.09	0.13
Sep-14	3.77	2.06	1.45	0.37	1.01	0.06	0.08	0.12
Oct-14	3.91	2.16	1.45	0.42	0.94	0.07	0.08	0.13
Nov-14	3.92	2.14	1.38	0.41	0.95	0.07	0.07	0.13
Dec-14	4.02	2.18	1.38	0.39	0.92	0.06	0.07	0.14
Jan-15	4.04	2.24	1.41	0.41	0.78	0.06	0.05	0.14
Feb-15	3.94	2.16	1.40	0.39	0.84	0.07	0.06	0.13
Mar-15	4.29	2.29	1.45	0.42	0.86	0.06	0.07	0.14
Apr-15	4.43	2.44	1.54	0.46	0.83	0.07	0.06	0.14
May-15	4.06	2.26	1.48	0.40	0.76	0.06	0.05	0.13
Jun-15	4.04	2.22	1.43	0.41	0.74	0.06	0.05	0.13
Jul-15	3.90	2.12	1.46	0.36	0.69	0.06	0.04	0.14
Aug-15	3.62	2.02	1.44	0.35	0.74	0.05	0.03	0.12
Sep-15	3.20	1.77	1.37	0.39	0.54	0.05	0.04	0.09
Oct-15	3.02	1.65	1.18	0.31	0.50	0.05	0.04	0.10
Nov-15	2.77	1.74	1.19	0.31	0.46	0.05	0.03	0.10
Dec-15	2.83	1.70	1.24	0.33	0.46	0.06	0.03	0.09
Jan-16	2.76	1.68	1.22	0.33	0.44	0.06	0.03	0.10
Feb-16	2.84	1.71	1.25	0.33	0.43	0.05	0.03	0.08
Mar-16	2.85	1.68	1.20	0.32	0.40	0.06	0.02	0.10
Apr-16	3.04	1.77	1.22	0.34	0.39	0.05	0.03	0.10
May-16	3.20	1.79	1.26	0.34	0.41	0.06	0.03	0.12
Jun-16	3.34	1.89	1.24	0.34	0.42	0.06	0.03	0.12
Jul-16	3.52	1.91	1.22	0.32	0.41	0.05	0.02	0.11
Aug-16	3.49	1.86	1.25	0.35	0.40	0.06	0.03	0.11
Sep-16	3.91	2.09	1.29	0.32	0.41	0.05	0.02	0.13
Oct-16	4.05	2.19	1.37	0.35	0.43	0.06	0.02	0.12
Nov-16	4.20	2.29	1.40	0.35	0.42	0.07	0.02	0.15
Dec-16	4.20	2.30	1.40	0.35	0.41	0.07	0.02	0.16
Jan-17	4.29	2.40	1.37	0.35	0.43	0.08	0.03	0.15
Feb-17	4.16	2.27	1.32	0.33	0.45	0.07	0.02	0.15
Mar-17	4.24	2.42	1.34	0.35	0.42	0.07	0.02	0.14
Apr-17	4.04	2.31	1.22	0.32	0.38	0.07	0.02	0.14
May-17	4.05	2.29	1.13	0.32	0.35	0.07	0.02	0.15
Jun-17	3.76	2.27	1.12	0.31	0.35	0.06	0.02	0.14
Jul-17	3.67	2.09	1.10	0.32	0.37	0.07	0.02	0.14
Aug-17	3.73	2.23	1.05	0.31	0.35	0.07	0.02	0.13
Sep-17	3.62	2.23	1.03	0.32	0.35	0.07	0.02	0.15
Oct-17	3.62	2.12	0.96	0.30	0.37	0.06	0.02	0.15
Nov-17	3.38	2.11	0.97	0.31	0.37	0.09	0.02	0.14
Dec-17	3.26	2.10	0.92	0.30	0.37	0.07	0.02	0.13
Jan-18	3.21	2.03	0.99	0.28	0.34	0.07	0.01	0.13
Feb-18	3.36	2.04	0.89	0.29	0.31	0.07	0.01	0.14
Mar-18	2.97	1.89	0.87	0.27	0.30	0.07	0.02	0.15
Apr-18	2.94	1.83	0.90	0.28	0.26	0.07	0.01	0.12
May-18	2.87	1.87	0.90	0.26	0.30	0.07	0.02	0.13
Jun-18	2.83	1.77	0.93	0.23	0.28	0.07	0.01	0.12
Jul-18	2.76	1.81	0.92	0.27	0.28	0.07	0.01	0.12
Aug-18	2.64	1.71	0.88	0.25	0.29	0.07	0.01	0.12
Sep-18	2.62	1.68	0.79	0.26	0.27	0.07	0.01	0.11
Oct-18	2.44	1.72	0.83	0.30	0.27	0.07	0.01	0.12
Nov-18	2.38	1.54	0.76	0.24	0.24	0.07	0.01	0.11
Dec-18	2.33	1.46	0.74	0.24	0.22	0.07	0.01	0.11
Jan-19	2.21	1.44	0.73	0.24	0.22	0.06	0.01	0.10
Feb-19	2.21	1.44	0.71	0.24	0.22	0.06	0.01	0.11
Mar-19	2.13	1.40	0.70	0.23	0.25	0.06	0.01	0.10
Apr-19	2.03	1.37	0.68	0.23	0.22	0.07	0.01	0.11
May-19	1.94	1.35	0.69	0.24	0.21	0.07	0.01	0.10
Jun-19	2.04	1.39	0.67	0.23	0.19	0.06	0.01	0.09
Jul-19	2.06	1.45	0.69	0.23	0.21	0.07	0.01	0.11
Aug-19	2.13	1.59	0.78	0.25	0.24	0.08	0.01	0.11
Sep-19	2.09	1.53	0.77	0.24	0.23	0.07	0.01	0.09
Oct-19	2.12	1.63	0.77	0.24	0.22	0.07	0.01	0.12
Nov-19	2.26	1.67	0.79	0.24	0.24	0.07	0.02	0.13
Dec-19	2.27	1.69	0.84	0.24	0.24	0.07	0.01	0.13
Jan-20	2.23	1.64	0.82	0.27	0.24	0.07	0.01	0.12
Feb-20	2.16	1.67	0.84	0.21	0.25	0.08	0.01	0.07
Mar-20	2.12	1.56	0.82	0.23	0.24	0.07	0.01	0.11
Apr-20	2.04	1.70	0.57	0.21	0.16	0.05	0.01	0.08
May-20	1.69	1.33	0.53	0.19	0.16	0.05	0.01	0.09
Jun-20	1.91	1.36	0.61	0.21	0.19	0.06	0.01	0.09
Jul-20	1.99	1.32	0.63	0.21	0.21	0.06	0.01	0.10

 New loan commitments for investor housing (seasonally adjusted), values, by state

["","NSW","Vic","Qld","SA","WA","Tas","NT","ACT"]

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The value of loan commitments accepted by owner occupiers remains significantly higher than loan commitments accepted by investors

New loan commitments by purpose and sub-purpose (original), values, Australia, June 2020
	Owner occupier ($b)	Investor ($b)
Purchase of residential land	1.1	0.2
Construction of dwellings	1.9	0.5
Purchase of newly erected dwellings	1.1	0.4
Purchase of existing dwellings	10.7	3.7

New loan commitments by purpose and sub-purpose (original), values, Australia, June 2020

["","Owner occupier","Investor"]

[["Purchase of residential land","Construction of dwellings","Purchase of newly erected dwellings","Purchase of existing dwellings"],[[1.097],[1.9119999999999999],[1.139],[10.673999999999999]],[[0.23400000000000001],[0.47499999999999998],[0.36199999999999999],[3.738]]]

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First home buyers

In July 2020:

the number of owner occupier first home buyer loan commitments increased 14.4% in seasonally adjusted terms
the number of first home buyer loan commitments for investment purposes accounted for 4.9% of all first home buyer commitments, in original terms
owner occupier first home buyer loan commitments accounted for 32.5% of all owner occupier commitments (excluding refinancing), in original terms

Previously, the ABS published a first home buyer ratio which was the ratio of owner occupier first home buyer loan commitments to all owner occupier loan commitments. The table below presents two owner occupier first home buyer ratios.

The first ratio is the ratio of first home buyer loan commitments to total dwelling commitments (excluding refinancing). This is similar to the ratio published prior to October 2019. Loan commitments for dwellings is the sum of loan commitments for construction of dwellings, newly erected dwellings and existing dwellings.
The second ratio is a new ratio, the ratio of first home buyer loan commitments to total housing loan commitments (excluding refinancing). This ratio uses the new key statistic, total housing loan commitments. Total housing loan commitments is the sum of loan commitments for dwellings and loan commitments for purchases of residential land and alterations and additions.

First home buyer ratios should be used with caution because the direction of movements in the ratio are often not indicative of the direction of movement in the number of first home buyers. First home buyer ratios are no longer routinely published by the ABS in the time series spreadsheets.

The table below does not include first home buyer loan commitments for investors. Information about the number of loan commitments for investors is new and is separately presented in a graph below.

New loan commitments to owner occupier first home buyers (number)			Original
		First home buyer loan commitments	First home buyer ratio	First home buyer ratio
		Number (a)	Dwellings (b)	Housing (c)
Total Australia		11 018	38.9%	32.5%
	New South Wales	2 756	34.1%	29.3%
	Victoria	3 473	44.5%	36.2%
	Queensland	2 227	37.3%	31.4%
	South Australia	594	28.2%	23.2%
	Western Australia	1 418	49.0%	41.1%
	Tasmania	209	36.3%	26.6%
	Northern Territory	104	51.2%	47.3%
	Australian Capital Territory	237	35.1%	31.3%

a. Number of owner occupier first home buyer loan commitments includes purchase of residential land.
b. Number of owner occupier first home buyers as a percentage of total owner occupied dwelling commitments by state.
c. Number of owner occupier first home buyers as a percentage of total owner occupied housing commitments by state.

New commitments for owner occupier first home buyers rose in proportion to the overall rise in owner occupier commitments for dwellings

New loan commitments to owner occupier first home buyers (seasonally adjusted), number, Australia
	Seasonally adjusted
Jul-04	7,091
Aug-04	7,388
Sep-04	7,381
Oct-04	7,157
Nov-04	7,494
Dec-04	7,678
Jan-05	8,106
Feb-05	8,309
Mar-05	8,433
Apr-05	8,385
May-05	8,664
Jun-05	8,660
Jul-05	8,499
Aug-05	9,036
Sep-05	9,318
Oct-05	9,432
Nov-05	9,755
Dec-05	9,765
Jan-06	9,680
Feb-06	9,837
Mar-06	10,378
Apr-06	10,507
May-06	10,137
Jun-06	10,035
Jul-06	10,026
Aug-06	9,415
Sep-06	9,824
Oct-06	9,755
Nov-06	9,705
Dec-06	9,581
Jan-07	9,508
Feb-07	9,784
Mar-07	10,031
Apr-07	10,464
May-07	10,069
Jun-07	10,354
Jul-07	10,161
Aug-07	10,322
Sep-07	10,088
Oct-07	10,435
Nov-07	10,618
Dec-07	10,609
Jan-08	10,731
Feb-08	10,027
Mar-08	9,031
Apr-08	8,578
May-08	8,199
Jun-08	8,187
Jul-08	8,452
Aug-08	8,284
Sep-08	8,286
Oct-08	8,216
Nov-08	10,319
Dec-08	12,225
Jan-09	13,857
Feb-09	14,683
Mar-09	16,270
Apr-09	16,754
May-09	16,665
Jun-09	16,475
Jul-09	14,844
Aug-09	13,953
Sep-09	14,262
Oct-09	14,039
Nov-09	11,281
Dec-09	10,070
Jan-10	9,306
Feb-10	8,344
Mar-10	7,336
Apr-10	7,123
May-10	7,252
Jun-10	6,691
Jul-10	6,840
Aug-10	6,651
Sep-10	6,648
Oct-10	6,396
Nov-10	6,653
Dec-10	7,095
Jan-11	6,458
Feb-11	6,159
Mar-11	6,670
Apr-11	6,837
May-11	6,776
Jun-11	6,683
Jul-11	6,630
Aug-11	6,829
Sep-11	7,268
Oct-11	7,820
Nov-11	8,085
Dec-11	9,231
Jan-12	8,817
Feb-12	7,104
Mar-12	7,216
Apr-12	7,321
May-12	7,477
Jun-12	7,699
Jul-12	7,982
Aug-12	7,999
Sep-12	7,996
Oct-12	7,840
Nov-12	7,418
Dec-12	7,011
Jan-13	7,224
Feb-13	7,161
Mar-13	7,557
Apr-13	7,631
May-13	7,752
Jun-13	7,947
Jul-13	8,120
Aug-13	7,887
Sep-13	7,715
Oct-13	7,679
Nov-13	7,681
Dec-13	7,236
Jan-14	7,636
Feb-14	7,712
Mar-14	7,643
Apr-14	7,380
May-14	7,552
Jun-14	7,581
Jul-14	7,202
Aug-14	7,464
Sep-14	7,413
Oct-14	7,475
Nov-14	7,209
Dec-14	7,087
Jan-15	7,040
Feb-15	7,345
Mar-15	7,474
Apr-15	7,391
May-15	6,806
Jun-15	7,044
Jul-15	6,903
Aug-15	6,829
Sep-15	6,762
Oct-15	6,475
Nov-15	6,581
Dec-15	6,949
Jan-16	6,901
Feb-16	7,007
Mar-16	6,846
Apr-16	7,144
May-16	6,988
Jun-16	6,980
Jul-16	6,667
Aug-16	6,404
Sep-16	6,559
Oct-16	6,623
Nov-16	6,698
Dec-16	6,869
Jan-17	6,874
Feb-17	6,774
Mar-17	7,009
Apr-17	7,105
May-17	6,988
Jun-17	7,619
Jul-17	8,477
Aug-17	9,042
Sep-17	8,750
Oct-17	8,799
Nov-17	9,171
Dec-17	8,863
Jan-18	9,012
Feb-18	9,026
Mar-18	8,869
Apr-18	8,639
May-18	8,664
Jun-18	8,659
Jul-18	8,777
Aug-18	8,458
Sep-18	8,333
Oct-18	8,482
Nov-18	8,677
Dec-18	7,736
Jan-19	7,860
Feb-19	7,995
Mar-19	7,975
Apr-19	8,038
May-19	8,094
Jun-19	8,328
Jul-19	8,406
Aug-19	8,961
Sep-19	8,961
Oct-19	9,105
Nov-19	9,422
Dec-19	9,712
Jan-20	9,756
Feb-20	9,719
Mar-20	9,875
Apr-20	9,508
May-20	8,599
Jun-20	9,136
Jul-20	10,451

New loan commitments to owner occupier first home buyers (seasonally adjusted), number, Australia

["","Seasonally adjusted"]

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[]

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All states and territories displayed rises in new lending for owner occupier first home buyers

New loan commitments to owner occupier first home buyers (seasonally adjusted), number, by state
	NSW	Vic	Qld	SA	WA	Tas	NT	ACT
Jul-12	1,599	2,674	1,492	468	1,399	115	77	137
Aug-12	1,711	2,297	1,656	478	1,453	119	72	136
Sep-12	1,930	2,189	1,638	474	1,435	137	66	120
Oct-12	1,583	2,210	1,855	461	1,445	135	76	120
Nov-12	1,324	2,129	1,598	486	1,528	123	86	112
Dec-12	1,084	2,104	1,469	503	1,557	119	88	113
Jan-13	1,127	2,180	1,459	521	1,568	124	104	133
Feb-13	1,203	2,167	1,445	560	1,527	131	69	136
Mar-13	1,157	2,248	1,509	578	1,668	114	57	135
Apr-13	1,274	2,207	1,558	595	1,709	127	56	140
May-13	1,206	2,330	1,576	573	1,754	143	67	141
Jun-13	1,249	2,401	1,624	586	1,708	142	52	127
Jul-13	1,376	2,550	1,587	654	1,642	143	72	141
Aug-13	1,338	2,224	1,511	629	1,626	164	52	158
Sep-13	1,287	2,265	1,577	619	1,604	165	50	161
Oct-13	1,303	2,152	1,615	666	1,623	174	57	136
Nov-13	1,351	2,162	1,587	688	1,541	170	59	131
Dec-13	1,291	2,067	1,503	652	1,456	137	51	139
Jan-14	1,336	2,072	1,571	693	1,623	151	50	131
Feb-14	1,358	2,042	1,662	645	1,675	159	68	142
Mar-14	1,386	1,973	1,594	605	1,705	182	61	145
Apr-14	1,314	1,977	1,502	613	1,606	169	71	120
May-14	1,319	1,954	1,577	609	1,695	177	72	128
Jun-14	1,353	1,870	1,491	602	1,810	212	70	144
Jul-14	1,229	1,939	1,497	553	1,584	183	71	144
Aug-14	1,313	2,019	1,673	503	1,515	152	71	148
Sep-14	1,370	2,089	1,610	414	1,520	154	93	154
Oct-14	1,352	2,106	1,584	456	1,575	133	98	193
Nov-14	1,327	2,065	1,520	412	1,523	112	77	158
Dec-14	1,277	2,100	1,538	436	1,470	170	83	162
Jan-15	1,315	2,031	1,464	395	1,330	167	79	166
Feb-15	1,361	2,144	1,613	384	1,486	158	53	164
Mar-15	1,426	2,143	1,637	411	1,485	140	52	150
Apr-15	1,322	2,122	1,579	383	1,578	145	44	171
May-15	1,229	1,995	1,561	393	1,375	127	34	166
Jun-15	1,296	2,004	1,587	408	1,410	123	48	160
Jul-15	1,273	1,961	1,623	399	1,368	112	32	133
Aug-15	1,197	2,016	1,537	399	1,357	127	36	125
Sep-15	1,199	2,037	1,504	441	1,345	104	33	150
Oct-15	1,137	1,943	1,394	349	1,327	110	27	125
Nov-15	1,072	2,022	1,484	392	1,270	115	35	152
Dec-15	1,205	2,225	1,622	407	1,257	153	31	142
Jan-16	1,228	2,019	1,636	398	1,236	162	43	157
Feb-16	1,217	2,135	1,671	407	1,247	152	36	142
Mar-16	1,095	2,107	1,609	426	1,196	144	40	141
Apr-16	1,309	2,222	1,581	441	1,258	165	43	147
May-16	1,210	2,266	1,637	453	1,175	163	42	158
Jun-16	1,305	2,194	1,538	431	1,167	138	43	153
Jul-16	1,101	2,092	1,537	407	1,184	143	58	149
Aug-16	1,052	1,892	1,654	404	1,128	146	48	130
Sep-16	1,012	2,006	1,616	402	1,120	145	37	114
Oct-16	1,054	2,059	1,650	439	1,140	134	37	124
Nov-16	1,045	2,061	1,671	408	1,179	151	43	127
Dec-16	1,153	2,115	1,807	349	1,150	138	44	149
Jan-17	1,141	2,098	1,716	404	1,156	123	30	191
Feb-17	1,053	2,048	1,738	405	1,192	141	51	106
Mar-17	1,151	2,117	1,780	470	1,176	148	57	116
Apr-17	1,145	2,055	1,898	389	1,223	124	58	173
May-17	1,251	2,071	1,837	423	1,265	131	51	180
Jun-17	1,274	2,045	2,047	439	1,309	132	68	210
Jul-17	1,649	2,525	2,034	453	1,449	132	61	208
Aug-17	1,948	2,788	1,983	458	1,407	133	61	237
Sep-17	1,893	2,832	1,807	473	1,258	150	68	222
Oct-17	1,859	2,882	1,851	452	1,255	154	71	224
Nov-17	1,977	2,924	2,036	486	1,171	151	45	217
Dec-17	1,931	2,885	1,984	480	1,255	152	61	203
Jan-18	2,014	2,939	2,028	471	1,244	136	65	218
Feb-18	2,163	2,885	1,825	478	1,196	146	66	301
Mar-18	1,943	2,883	1,783	457	1,186	153	50	228
Apr-18	2,095	2,820	1,812	460	1,174	145	54	216
May-18	2,168	2,818	1,856	449	1,177	162	63	169
Jun-18	2,012	2,762	1,940	447	1,097	164	61	166
Jul-18	1,967	2,788	2,010	473	1,105	187	60	164
Aug-18	1,967	2,641	1,784	506	1,096	173	47	170
Sep-18	1,905	2,583	1,764	496	1,150	169	83	180
Oct-18	1,944	2,574	1,746	528	1,229	229	63	202
Nov-18	1,964	2,593	1,687	511	1,161	174	76	201
Dec-18	1,878	2,501	1,529	487	1,091	162	77	166
Jan-19	1,802	2,498	1,575	494	1,099	163	63	151
Feb-19	1,901	2,592	1,514	516	1,128	166	65	136
Mar-19	1,820	2,573	1,604	500	1,113	163	75	150
Apr-19	1,901	2,613	1,546	493	1,075	176	117	130
May-19	1,996	2,705	1,550	495	1,069	153	89	152
Jun-19	2,024	2,734	1,578	510	1,099	184	70	143
Jul-19	2,131	2,736	1,594	484	1,119	132	78	192
Aug-19	2,200	2,848	1,688	499	1,161	195	75	192
Sep-19	2,181	2,817	1,760	511	1,171	219	59	205
Oct-19	2,171	2,993	1,766	519	1,131	189	70	217
Nov-19	2,272	3,022	1,776	527	1,156	184	54	214
Dec-19	2,300	3,492	1,801	541	1,205	168	63	244
Jan-20	2,348	3,242	1,866	562	1,236	186	62	218
Feb-20	2,397	3,159	1,960	533	1,261	179	69	247
Mar-20	2,604	3,127	1,893	530	1,266	192	95	225
Apr-20	2,577	3,350	1,628	491	1,059	174	68	230
May-20	2,086	3,096	1,584	474	978	151	67	274
Jun-20	2,384	2,818	1,834	541	1,125	189	83	222
Jul-20	2,567	3,196	2,130	590	1,318	217	112	229

New loan commitments to owner occupier first home buyers (seasonally adjusted), number, by state

["","NSW","Vic","Qld","SA","WA","Tas","NT","ACT"]

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[]

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Ratio of owner occupier first home buyer loan commitments to total owner occupier housing loan commitments (excluding refinancing) July 2020, number, original terms
	First home buyer ratio (%)
Aus	32.5
NSW	29.3
Vic	36.2
Qld	31.4
SA	23.2
WA	41.1
Tas	26.6
NT	47.3
ACT	31.3

Ratio of owner occupier first home buyer loan commitments to total owner occupier housing loan commitments (excluding refinancing) July 2020, number, original terms

["","First home buyer ratio"]

[["Aus","NSW","Vic","Qld","SA","WA","Tas","NT","ACT"],[[32.5],[29.300000000000001],[36.200000000000003],[31.399999999999999],[23.199999999999999],[41.100000000000001],[26.600000000000001],[47.299999999999997],[31.300000000000001]]]

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Owner occupier and investor first home buyer loan commitments July 2020, number, original terms
	Owner occupier first home buyers	Investor first home buyers
NSW	2,756	193
Vic	3,473	165
Qld	2,227	106
SA	594	34
WA	1,418	52
Tas*	209
NT*	104
ACT	237	13

Owner occupier and investor first home buyer loan commitments July 2020, number, original terms

["","Owner occupier first home buyers","Investor first home buyers"]

[["NSW","Vic","Qld","SA","WA","Tas*","NT*","ACT"],[[2756],[3473],[2227],[594],[1418],[209],[104],[237]],[[193],[165],[106],[34],[52],[null],[null],[13]]]

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*Investor first home buyers (number) for Tas and NT are not available for publication

Data downloads - time series spreadsheets

Data quality note

In previous releases, users have been advised that specific data quality issues have been identified with the reporting of detailed housing loan purpose categories. This release includes updated information from reporting entities to correct these issues, with data revised back to July 2002. There have been revisions to the purchase of newly erected dwellings series, for which some commitments have now been correctly reclassified to the purchase of existing dwellings as well as a portion to construction of new dwellings. Total housing is largely unchanged.

Data quality note applies to Table 3, Table 5-13 and Tables 15-22.

Table 1. Households; housing finance; total housing; by property purpose; new loan commitments; values

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Table 2. Households; housing finance; total housing; by property purpose; by lender type; new loan commitments; values

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Table 3. Households; housing finance; owner occupiers; by detailed purpose; new loan commitments; numbers and values

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Table 4. Households; housing finance; owner occupiers; total housing excluding refinancing; by state; new loan commitments; numbers and values

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Table 5. Households; housing finance; owner occupiers; by detailed purpose; new loan commitments; New South Wales; numbers and values

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Table 6. Households; housing finance; owner occupiers; by detailed purpose; new loan commitments; Victoria; numbers and values

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Table 7. Households; housing finance; owner occupiers; by detailed purpose; new loan commitments; Queensland; numbers and values

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Table 8. Households; housing finance; owner occupiers; by detailed purpose; new loan commitments; South Australia; numbers and values

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Table 9. Households; housing finance; owner occupiers; by detailed purpose; new loan commitments; Western Australia; numbers and values

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Table 10. Households; housing finance; owner occupiers; by detailed purpose; new loan commitments; Tasmania; numbers and values

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Table 11. Households; housing finance; owner occupiers; by detailed purpose; new loan commitments; Northern Territory; numbers and values

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Table 12. Households; housing finance; owner occupiers; by detailed purpose; new loan commitments; Australian Capital Territory; numbers and values

Data files

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Table 13. Households; housing finance; investors; by detailed purpose; new loan commitments; numbers and values

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Table 14. Households; housing finance; investors; total housing excluding refinancing; by state; new loan commitments; numbers and values

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Table 15. Households; housing finance; investors; by detailed purpose; new loan commitments; New South Wales; numbers and values

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Table 16. Households; housing finance; investors; by detailed purpose; new loan commitments; Victoria; numbers and values

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Table 17. Households; housing finance; investors; by detailed purpose; new loan commitments; Queensland; numbers and values

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Table 18. Households; housing finance; investors; by detailed purpose; new loan commitments; South Australia; numbers and values

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Table 19. Households; housing finance; investors; by detailed purpose; new loan commitments; Western Australia; numbers and values

Data files

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Table 20. Households; housing finance; investors; by detailed purpose; new loan commitments; Tasmania; numbers and values

Data files

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Table 21. Households; housing finance; investors; by detailed purpose; new loan commitments; Northern Territory; numbers and values

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Table 22. Households; housing finance; investors; by detailed purpose; new loan commitments; Australian Capital Territory; numbers and values

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Table 23. Households; housing finance; first home buyers; by state; new loan commitments; numbers and values

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Table 24. Households; housing finance; first home buyers; owner occupiers; by state; new loan commitments; numbers and values

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Table 25. Households; housing finance; first home buyers; investors; by state; new loan commitments; numbers and values

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Table 26. Households; housing finance; non-residents; new loan commitments; numbers and values

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Table 27. Households; personal finance; fixed term loans; by purpose; new loan commitments; values

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Table 28. Households; personal finance; revolving credit; new loan commitments; values

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Data quality note

In previous releases, users have been advised that specific data quality issues have been identified with the reporting of personal finance. This release includes updated information from reporting entities to correct these issues, with data revised back to July 2002. There have been revisions to correct the over-reporting of new borrower accepted commitments for credit cards.

Table 29. Businesses; business finance; finance leases; by purpose; new loan commitments; values

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Table 30. Businesses; business finance; fixed term loans; by purpose; new loan commitments; values

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Table 31. Businesses; business finance; fixed term loans; small business size; by purpose; new loan commitments; values

Data files

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Table 32. Businesses; business finance; fixed term loans; small business size; by State; new loan commitments; values

Data files

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Table 33. Businesses; business finance; fixed term loans; medium business size; by purpose; new loan commitments; values

Data files

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Table 34. Businesses; business finance; fixed term loans; medium business size; by state; new loan commitments; values

Data files

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Table 35. Businesses; business finance; fixed term loans; large business size; by purpose; new loan commitments; values

Data files

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All time series spreadsheets

Data files

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Data downloads - data cubes

Series ID concordance mapping

Data files

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Previous catalogue number

This release previously used catalogue number 5601.0.

Methodology

Lending Indicators methodology, July 2020

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APA

Lending indicators

APA

Key statistics

Important data quality note

New loan commitments

Key graphs

Data quality information: significant revisions to housing and personal finance, COVID-19 impacts, Economic and Financial Statistics (EFS) collection

Revisions

Lender type breakdowns

Coronavirus (COVID-19) impacts in July data

Suspension of trend series

Update to seasonal adjustment methods

Housing

First home buyers

Data downloads - time series spreadsheets

Data quality note

Table 1. Households; housing finance; total housing; by property purpose; new loan commitments; values

Table 2. Households; housing finance; total housing; by property purpose; by lender type; new loan commitments; values

Table 3. Households; housing finance; owner occupiers; by detailed purpose; new loan commitments; numbers and values

Table 4. Households; housing finance; owner occupiers; total housing excluding refinancing; by state; new loan commitments; numbers and values

Table 5. Households; housing finance; owner occupiers; by detailed purpose; new loan commitments; New South Wales; numbers and values

Table 6. Households; housing finance; owner occupiers; by detailed purpose; new loan commitments; Victoria; numbers and values

Table 7. Households; housing finance; owner occupiers; by detailed purpose; new loan commitments; Queensland; numbers and values

Table 8. Households; housing finance; owner occupiers; by detailed purpose; new loan commitments; South Australia; numbers and values

Table 9. Households; housing finance; owner occupiers; by detailed purpose; new loan commitments; Western Australia; numbers and values

Table 10. Households; housing finance; owner occupiers; by detailed purpose; new loan commitments; Tasmania; numbers and values

Table 11. Households; housing finance; owner occupiers; by detailed purpose; new loan commitments; Northern Territory; numbers and values

Table 12. Households; housing finance; owner occupiers; by detailed purpose; new loan commitments; Australian Capital Territory; numbers and values

Table 13. Households; housing finance; investors; by detailed purpose; new loan commitments; numbers and values

Table 14. Households; housing finance; investors; total housing excluding refinancing; by state; new loan commitments; numbers and values

Table 15. Households; housing finance; investors; by detailed purpose; new loan commitments; New South Wales; numbers and values

Table 16. Households; housing finance; investors; by detailed purpose; new loan commitments; Victoria; numbers and values

Table 17. Households; housing finance; investors; by detailed purpose; new loan commitments; Queensland; numbers and values

Table 18. Households; housing finance; investors; by detailed purpose; new loan commitments; South Australia; numbers and values

Table 19. Households; housing finance; investors; by detailed purpose; new loan commitments; Western Australia; numbers and values

Table 20. Households; housing finance; investors; by detailed purpose; new loan commitments; Tasmania; numbers and values

Table 21. Households; housing finance; investors; by detailed purpose; new loan commitments; Northern Territory; numbers and values

Table 22. Households; housing finance; investors; by detailed purpose; new loan commitments; Australian Capital Territory; numbers and values

Table 23. Households; housing finance; first home buyers; by state; new loan commitments; numbers and values

Table 24. Households; housing finance; first home buyers; owner occupiers; by state; new loan commitments; numbers and values

Table 25. Households; housing finance; first home buyers; investors; by state; new loan commitments; numbers and values

Table 26. Households; housing finance; non-residents; new loan commitments; numbers and values

Table 27. Households; personal finance; fixed term loans; by purpose; new loan commitments; values

Table 28. Households; personal finance; revolving credit; new loan commitments; values

Data quality note

Table 29. Businesses; business finance; finance leases; by purpose; new loan commitments; values

Table 30. Businesses; business finance; fixed term loans; by purpose; new loan commitments; values

Table 31. Businesses; business finance; fixed term loans; small business size; by purpose; new loan commitments; values

Table 32. Businesses; business finance; fixed term loans; small business size; by State; new loan commitments; values

Table 33. Businesses; business finance; fixed term loans; medium business size; by purpose; new loan commitments; values

Table 34. Businesses; business finance; fixed term loans; medium business size; by state; new loan commitments; values

Table 35. Businesses; business finance; fixed term loans; large business size; by purpose; new loan commitments; values

All time series spreadsheets

Data downloads - data cubes

Series ID concordance mapping

Previous catalogue number

Methodology

Media releases

Home loan commitments rose sharply in July

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