ANZ 2022 Full Year Debt Investor Presentation
ANZ 2022 Full Year Debt Investor Presentation
AUSTRALIAN HOUSING DYNAMICS
'000
Private residential building approvals¹
Monthly
New housing lending²
% monthly housing finance, ex re-financing
'000
55
50
20
20
Detached houses
45
Total
16
16
40
35
12
12
30
First Home Owners'
8
1997
%
4
wash
1992
Source: ABS
Reduction in borrowing capacity³
By borrower type
8
25
Boost
20
NSW & Victoria reduce
stamp duty
15
Higher-density housing
10
L
2002
2007
2012
2017
2022
04 06 08 10 12
14
16 18
20
22
-Owner occupier ex FHB-First home buyer - Investor
Mortgage credit growth4
Six-month-ended annualised, seasonally adjusted*
%
%
-20
-40
-60
-80
-100
Principal and interest (P&I)
Interest only
P&I; existing debt 2 times income
P&I; existing debt 4 times income i
100bps
Source: RBA
200bps
Increase in interest rate
-20
15
-40
10
-60
-80
-100
300bps
400bps
0
Australia
New Zealand
%
South Korea
15
Norway
10
Sweden
5
Canada
United States
Japan
0
United Kingdom
-5
2014
2018
2022
2014
Data for Japan, the United Kingdom and the United States are two
quarter annualised rates.
Sources: national sources; RBA; Refinitiv
2018
2022
Sources: 1. RBA Chart Pack, November 2022 2. ABS, ANZ Research 3. RBA Speech: Interest Rate and the Property Market 19 September 2022 4. RBA Financial Stability Review, Apr 2022
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