{"id":"F2021L01107","name":"Financial Sector (Collection of Data) (reporting standard) determination No. 37 of 2021","slug":"financial-sector-collection-of-data-reporting-standard-determination-no-37-of-2021","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"in_force","isInForce":true,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":102023,"registerId":"commonwealth-F2021L01107-current","compilationNumber":null,"startDate":"2026-04-03","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"ARS 744.0","sectionType":"section","heading":"ABS/RBA Housing Credit Stocks, Flows and Interest Rates","content":"Reporting Standard ARS 744.0\n\nABS/RBA Housing Credit Stocks, Flows and Interest Rates\n\nObjective of this Reporting Standard\n\nThis Reporting Standard outlines the requirements for the provision of information to APRA relating to an authorised deposit-taking institution’s or registered financial corporation’s housing credit stocks, flows and interest rates.\n\nIt includes Reporting Form ARF 744.0A ABS/RBA Housing Credit Stocks, Flows and Interest Rates (Standard) and Reporting Form ARF 744.0B ABS/RBA Housing Credit Stocks, Flows and Interest Rates (Reduced) and the associated specific instructions.\n\nAuthority\n\n","sortOrder":0},{"sectionNumber":"1","sectionType":"section","heading":"Authority","content":"1. This Reporting Standard is made under section 13 of the Financial Sector (Collection of Data) Act 2001.\n\nPurpose\n\n","sortOrder":1},{"sectionNumber":"2","sectionType":"section","heading":"Purpose","content":"2. Information collected by Reporting Form ARF 744.0A ABS/RBA Housing Credit Stocks, Flows and Interest Rates (Standard) (ARF 744.0A) and Reporting Form ARF 744.0B ABS/RBA Housing Credit Stocks, Flows and Interest Rates (Reduced) (ARF 744.0B) is used by the ABS and RBA for various purposes, including for policy and statistical purposes. This information may also be used by APRA for prudential and publication purposes.\n\n","sortOrder":2},{"sectionNumber":"3","sectionType":"section","heading":"This Reporting Standard is an Economic and Financial Statistics (EFS) Reporting Standard for the purposes of Reporting Standard ARS 701.0 ABS/RBA Definitions for the EFS Collection (ARS 701.0).","content":"3. This Reporting Standard is an Economic and Financial Statistics (EFS) Reporting Standard for the purposes of Reporting Standard ARS 701.0 ABS/RBA Definitions for the EFS Collection (ARS 701.0).\n\nApplication and commencement\n\n","sortOrder":3},{"sectionNumber":"4","sectionType":"section","heading":"Application and commencement","content":"4. This Reporting Standard applies to an authorised deposit-taking institution (ADI) or registered financial corporation (RFC) as set out in the table below, where ‘housing credit’ is measured by the value reported in item 1.1.1.1.1 (column 1) on Reporting Form ARF 720.1A/B ABS/RBA Loans and Finance Leases (Standard)/(Reduced) (ARF 720.1A/B) and ‘deposits’ are measured by the value reported in item 14 on Reporting Form ARF 720.0A/B ABS/RBA Statement of Financial Position (Standard)/(Reduced) (ARF 720.0A/B).\n\n| Class of financial institution | ARF 744.0A | ARF 744.0B |\n| ------------------------------ | ------------------------------------------------------------- | ------------------------------------------------------------- |\n| ADIs | Yes if housing credit ≥ $6 billion and deposits ≥ $25 billion | Yes if housing credit ≥ $6 billion and deposits < $25 billion |\n| RFCs | Yes if housing credit ≥ $6 billion and deposits ≥ $25 billion | Yes if housing credit ≥ $6 billion and deposits < $25 billion |\n\n","sortOrder":4},{"sectionNumber":"5","sectionType":"section","heading":null,"content":"5. APRA may from time to time determine that a higher threshold will apply to a particular ADI or RFC than that specified in paragraph 4 of this Reporting Standard and if APRA does so it will notify the ADI or RFC concerned in writing.\n\n","sortOrder":5},{"sectionNumber":"6","sectionType":"section","heading":null,"content":"6. This Reporting Standard applies for reporting periods ending on or after 30 September 2021.\n\nInformation required\n\n","sortOrder":6},{"sectionNumber":"7","sectionType":"section","heading":"Information required","content":"7. An ADI or RFC to which the Reporting Standard applies must provide APRA with the information required by this Reporting Standard for each reporting period on a domestic books consolidation.\n\nMethod of submission\n\n","sortOrder":7},{"sectionNumber":"8","sectionType":"section","heading":"Method of submission","content":"8. The information required by this Reporting Standard must be given to APRA in electronic format, using the ‘Direct to APRA’ application or by a method (i.e. a web-based solution) notified by APRA, in writing, prior to submission.\n\nNote: the Direct to APRA application software (also known as D2A) may be obtained from APRA.\n\nReporting periods and due dates\n\n","sortOrder":8},{"sectionNumber":"9","sectionType":"section","heading":"Reporting periods and due dates","content":"9. The information required by this Reporting Standard must be provided in respect of each calendar month by an ADI or RFC to which this Reporting Standard applies under paragraphs 4 or 5.\n\n","sortOrder":9},{"sectionNumber":"10","sectionType":"section","heading":null,"content":"10. The information required by this Reporting Standard must be provided to APRA within 15 business days after the end of the reporting period to which the information relates.\n\n","sortOrder":10},{"sectionNumber":"11","sectionType":"section","heading":null,"content":"11. APRA may, by notice in writing, change the reporting periods, or specified reporting periods, for a particular ADI or RFC, to require it to provide the information required by this Reporting Standard more frequently, or less frequently, having regard to:\n\n(a) the particular circumstances of the ADI or RFC; and\n\n(b) the extent to which the information is required for the purposes of the ABS or RBA.\n\n","sortOrder":11},{"sectionNumber":"12","sectionType":"section","heading":null,"content":"12. APRA may grant an ADI or RFC an extension of a due date, in writing, in which case the new due date for the provision of the information will be the date on the notice of extension.\n\nQuality control\n\n","sortOrder":12},{"sectionNumber":"13","sectionType":"section","heading":"Quality control","content":"13. All information provided by an ADI or RFC under this Reporting Standard must be the product of systems, processes and controls that have been reviewed and tested by the external auditor of the ADI or RFC as set out in Prudential Standard APS 310 Audit and Related Matters for ADIs or Reporting Standard RRS 710.0 ABS/RBA Audit Requirements for Registered Financial Corporations for RFCs. Relevant standards and guidance statements issued by the Auditing and Assurance Standards Board provide information on the scope and nature of the review and testing required from external auditors. This review and testing must be done on an annual basis or more frequently if required by the external auditor to enable the external auditor to form an opinion on the accuracy and reliability of the information provided by an ADI or RFC under this Reporting Standard.\n\n","sortOrder":13},{"sectionNumber":"14","sectionType":"section","heading":null,"content":"14. All information provided by an ADI or RFC under this Reporting Standard must be subject to systems, processes and controls developed by the ADI or RFC for the internal review and authorisation of that information. These systems, processes and controls are to assure the completeness and reliability of the information provided.\n\nAuthorisation\n\n","sortOrder":14},{"sectionNumber":"15","sectionType":"section","heading":"Authorisation","content":"15. When an officer or agent of an ADI or RFC submits information under this Reporting Standard and uses the D2A application, or other method notified by APRA, it will be necessary for the officer or agent to digitally sign the relevant information using a digital certificate or other digital identity credential acceptable to APRA.\n\nInterpretation\n\n","sortOrder":15},{"sectionNumber":"16","sectionType":"section","heading":"Interpretation","content":"16. Terms that are defined in ARS 701.0 appear in bold and italics in this Reporting Standard.\n\n","sortOrder":16},{"sectionNumber":"17","sectionType":"section","heading":null,"content":"17. In this Reporting Standard:\n\ndue date means the last day of the 15 business days provided for in paragraph 10 or, if applicable, the date on a notice of extension given under paragraph 12.\n\nreporting period means a month of a year as provided for in paragraph 9 or, if applicable, the date on a notice given under paragraph 11.\n\n","sortOrder":17},{"sectionNumber":"18","sectionType":"section","heading":null,"content":"18. Unless the contrary intention appears, any reference to an Act, Prudential Standard, Reporting Standard, Australian Accounting or Auditing Standard is a reference to the instrument as in force or existing from time to time.\n\n| ARF_744_0A: ABS/RBA Housing Credit Stocks, Flows and Interest Rates (Standard) |\n| ------------------------------------------------------------------------------ |\n\n| Australian Business Number | Institution Name |\n| -------------------------- | ---------------- |\n| | |\n| Reporting Period | Scale Factor |\n| Monthly | |\n| Reporting Consolidation | |\n| Domestic | |\n\n| Housing loans outstanding |\n| ------------------------- |\n\n| | Number of facilities | Value (net of offset balances) | Interest rate (net of offset balances) | Value | Interest rate | Cost of funds | Margin |\n| ----------------------------------------------------------------- | -------------------- | ------------------------------ | -------------------------------------- | ----- | ------------- | ------------- | ------ |\n| | (1) | (2) | (3) | (4) | (5) | (6) | (7) |\n| 1.1. Total owner-occupied housing credit outstanding to residents | | | | | | | |\n| 1.1.1. of which: Revolving credit | | | | | | | |\n| 1.1.2. By interest rate type | | | | | | | |\n| 1.1.2.1. Fixed interest rate | | | | | | | |\n| 1.1.2.2. Variable interest rate | | | | | | | |\n| 1.1.3. By repayment type | | | | | | | |\n| 1.1.3.1. Interest-only | | | | | | | |\n| 1.1.3.2. Amortising | | | | | | | |\n| 1.2. Total investment housing credit outstanding to residents | | | | | | | |\n| 1.2.1. of which: Revolving credit | | | | | | | |\n| 1.2.2. By interest rate type | | | | | | | |\n| 1.2.2.1. Fixed interest rate | | | | | | | |\n| 1.2.2.2. Variable interest rate | | | | | | | |\n| 1.2.3. By repayment type | | | | | | | |\n| 1.2.3.1. Interest-only | | | | | | | |\n| 1.2.3.2. Amortising | | | | | | | |\n| 1.3. Total housing credit outstanding to non-residents | | | | | | | |\n\n| 2. Housing loans funded in the month |\n| ------------------------------------ |\n\n```html\n

Owner-occupied

Investment

Number of facilities

Value

Interest rate

Cost of funds

Margin

Number of facilities

Value

Interest rate

Cost of funds

Margin

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

(9)

(10)

2.1. Housing loans to residents funded in the month

2.1.1. of which: Revolving credit

2.1.2. of which: Finance for the construction of new dwellings

2.1.3. By interest rate type

2.1.3.1. Fixed interest rate

2.1.3.1.1. of which: First-home buyers

2.1.3.2. Variable interest rate

2.1.3.2.1. of which: First-home buyers

2.1.4. By repayment type

2.1.4.1. Interest-only

2.1.4.2. Amortising

2.2. Housing loans to non-residents funded in the month

\n```\n\n| 3. Housing loans to residents funded in the month - by size |\n| ----------------------------------------------------------- |\n\n| Property purpose | Value at commitment | Number of facilities | Value | Interest rate |\n| ---------------- | --------------------------- | -------------------- | ----- | ------------- |\n| (1) | (2) | (3) | (4) | (5) |\n| | | | | |\n| Owner-occupied | >$0 to <=$200 000 | | | |\n| Investment | >$200 000 to <=$400 000 | | | |\n| | >$400 000 to <=$600 000 | | | |\n| | >$600 000 to <=$800 000 | | | |\n| | >$800 000 to <= $1 000 000 | | | |\n| | >$1 000 000 to <=$1 500 000 | | | |\n| | >$1 500 000 to <=$2 000 000 | | | |\n| | >$2 000 000 to <=$3 000 000 | | | |\n| | >$3 000 000 | | | |\n\n| 4. Housing loans to residents funded in the month - by loan-to-valuation ratio (at commitment) |\n| ---------------------------------------------------------------------------------------------- |\n\n| Property purpose | Loan-to-valuation ratio at commitment | Number of facilities | Value | Interest rate |\n| ---------------- | ------------------------------------- | -------------------- | ----- | ------------- |\n| (1) | (2) | (3) | (4) | (5) |\n| | | | | |\n| Owner-occupied | <40% | | | |\n| Investment | >=40% to <60% | | | |\n| | >=60% to <80% | | | |\n| | >=80% to <81% | | | |\n| | >=81% to <85% | | | |\n| | >=85% to <90% | | | |\n| | >=90% to <95% | | | |\n| | >=95% | | | |\n| | Unsecured | | | |\n| | Unknown LTV ratio | | | |\n| | | | | |\n| 4.1. Average LVR | | | | |\n\n| 5. Fixed interest rate housing loans to residents - by residual term |\n| -------------------------------------------------------------------- |\n\n```html\n

Credit outstanding

Funded in the month

Property purpose

Residual term of fixed rate period

Number of facilities

Value

Interest rate

Weighted average term

Number of facilities

Value

Interest rate

Weighted average term

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

(9)

(10)

Owner-occupied

<=1 year

Investment

>1 year to <=2 years

>2 years to <=3 years

>3 years to <=5 years

>5 years

\n```\n\nReporting Form ARF 744.0A\n\nABS/RBA Housing Credit Stocks, Flows and Interest Rates (Standard)\n\nInstructions\n\nThese instructions assist completion of Reporting Form ARF 744.0A ABS/RBA Housing Credit Stocks, Flows and Interest Rates (Standard) (ARF 744.0A). ARF 744.0A collects information relating to the housing stocks, flows and interest rates of ADIs and RFCs.\n\nInformation reported in ARF 744.0A is required primarily for purposes of the ABS and the RBA. This information is required for various purposes, including policy and statistical purposes. This information may also be used by APRA for prudential and publication purposes.\n\nReporting level\n\nARF 744.0A must be completed by each ADI and RFC to which this Reporting Standard applies under paragraphs 4 or 5.\n\nReporting basis and unit of measurement\n\nThese instructions specify the reporting basis and unit of measurement that applies to each item.\n\nFor reporting purposes, unless specified otherwise, enter data as a positive number.\n\nCounterparties\n\nFor the purposes of this form, report only finance to households for housing purposes.\n\nFor the purposes of this form, households may exist in either the resident or non-resident sectors.\n\nPositions with resident and non-resident households are collected separately.\n\nTypes of finance\n\nFor the purposes of this form, finance includes loans.\n\nWhen reporting information on the stock of outstanding finance (e.g. credit outstanding), only include finance that is held on-balance sheet, unless otherwise directed.\n\nReporting by purpose\n\nClassify finance at the lowest level at which it is able to be identified; the purpose that the funds will be used for determines whether (and where) it is reported on this form. Where finance (identified at the lowest available level) is to be used for more than one purpose, classify that finance to its predominant purpose (based on the purpose for which the largest share of the funds will be used).\n\nCredit outstanding & credit outstanding, net of offset account balances\n\nReport outstanding finance under the category in which it sits as at the reporting date. For example, if a loan was originally classified as having a fixed interest rate but now has a variable interest rate then it must be reported as variable interest rate for the current reporting period.\n\nTreatment of facilities\n\nWhere there is a finance facility with a mix of interest rate or repayment types, follow the instructions below unless otherwise directed.\n\nWhen reporting on the number of facilities, report each facility once. Where interest rate types or repayment types are separately identified, report the number of facilities according to the predominant interest rate type or repayment type by value.\n\nWhen reporting the value of finance, apportion across the relevant interest rate type and/or repayment type dimensions.\n\nWhen reporting the weighted average interest rate, weight each interest rate by its corresponding balance outstanding.\n\nValues\n\nUnless otherwise specifically stated, information reported on this form must comply with Australian Accounting Standards.\n\nReport monetary amounts on ARF 744.0A in Australian dollars or the Australian dollar equivalent of the foreign currency. Convert amounts denominated in foreign currency to AUD in accordance with AASB 121 The Effects of Changes in Foreign Exchange Rates (AASB 121).\n\nReport values on ARF 744.0A as whole dollars.\n\nNumbers\n\nReport numbers on ARF 744.0A unscaled, as whole numbers for ADIs and RFCs.\n\nAverages\n\nReport averages on ARF 744.0A unscaled, as numbers to two decimal places.\n\nInterest rates\n\nADIs and RFCs are required to report contractual interest rates. Report interest rates as an annualised percentage rate (on a 365 days per year basis) to two decimal places.\n\nRefer to the interest rates definition for further guidance (ARS 701.0).\n\nCost of funds and margin\n\nReport cost of funds and margin items as an annualised percentage rate to two decimal places.\n\nStandard Business Reporting (SBR)\n\nReport items on ARF 744.0A with accounting type of debit (assets). The accounting type (i.e. credit or debit) applies to all monetary items and represents the natural accounting type of the item collected.\n\nSpecific instructions – ARF 744.0A\n\nTerms highlighted in bold italics are defined in ARS 701.0.\n\nAll derived fields in the form are shaded in grey are explained in words as a mathematical expression in these instructions.\n\nExamples included under ‘Include’ and ‘Exclude’ must not be taken as an exhaustive list of items to be included or excluded.\n\n1. Housing loans outstanding\n\nItem 1 collects information on the stock of credit outstanding to households for housing by property purpose, type of interest rate and repayment type.\n\nReporting basis: report item 1 as at the end of the reporting period.\n\nReport loans to non-residents in item 1.3 only.\n\nExclude facilities with a nil credit outstanding balance.\n\n| Column 1 | Report the number of housing loan facilities with credit outstanding. |\n| -------- | ---------------------------------------------------------------------------------------------------------------------------------- |\n| Column 2 | Report the value of credit outstanding, net of offset account balances for housing loans. |\n| Column 3 | Report the weighted average interest rate on credit outstanding, net of offset accounts for housing loans. |\n| Column 4 | Report the value of credit outstanding for housing loans. |\n| Column 5 | Report the weighted average interest rate on credit outstanding for housing loans. |\n| Column 6 | Report the cost of funds for housing loans with credit outstanding. |\n| Column 7 | Report the margin for housing loans with credit outstanding.Column 7 is a derived item. Report column 7 as column 5 less column 6. |\n\n| Item 1.1 | Report total owner-occupied housing loans to residents.Item 1.1 is a derived item.Report the number and values (columns 1, 2, and 4) in item 1.1 as the sum of item 1.1.2.1 and item 1.1.2.2.The number and values (columns 1, 2, and 4) in item 1.1 also equal the sum of item 1.1.3.1 and item 1.1.3.2.Report the interest rate, cost of funds and margin (columns 3, 5, 6 and 7) in item 1.1 as the weighted average of item 1.1.2.1 and item 1.1.2.2.The interest rate, cost of funds and margin (columns 3, 5, 6 and 7) in item 1.1 also equal the weighted average of item 1.1.3.1 and item 1.1.3.2.The value of credit outstanding reported in item 1.1 (column 4) equals item 1.1.1.1.1.1 (column 1) on ARF 720.1A/B. |\n| ------------ | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |\n| Item 1.1.1 | Of the amount reported in item 1.1, report revolving credit facilities. |\n| Item 1.1.2 | Report owner-occupied housing loans according to their interest rate type in items 1.1.2.1 and 1.1.2.2. |\n| Item 1.1.2.1 | Report owner-occupied housing loans to residents with a fixed interest rate.The value of credit outstanding with a fixed interest rate reported in item 1.1.2.1 (column 4) equals item 2.1.1.1 (column 1) on ARF 720.1A/B. |\n| Item 1.1.2.2 | Report owner-occupied housing loans to residents with a variable interest rate.The value of credit outstanding with a variable interest rate reported in item 1.1.2.2 (column 4) equals item 2.1.1.2 (column 1) on ARF 720.1A/B. |\n| Item 1.1.3 | Report owner-occupied housing loans according to their repayment type in items 1.1.3.1 and 1.1.3.2. |\n| Item 1.1.3.1 | Report owner-occupied housing loans to residents for interest-only loans. |\n| Item 1.1.3.2 | Report owner-occupied housing loans to residents for amortising loans. |\n| Item 1.2 | Report total investor housing loans to residents with credit outstanding.Item 1.2 is a derived item.Report the number and values (columns 1, 2, and 4) in item 1.2 as the sum of item 1.2.2.1 and item 1.2.2.2.The number and values (columns 1, 2, and 4) in item 1.2 also equal the sum of item 1.2.3.1 and item 1.2.3.2.Report the interest rate, cost of funds and margin (columns 3, 5, 6 and 7) in item 1.2 as the weighted average of item 1.2.2.1 and item 1.2.2.2.The interest rate, cost of funds and margin (columns 3, 5, 6 and 7) in item 1.2 also equal the weighted average of item 1.2.3.1 and item 1.2.3.2.The value of credit outstanding in item 1.2 (column 4) equals item 1.1.1.1.1.2 (column 1) on ARF 720.1A/B. |\n| Item 1.2.1 | Of the amount reported in item 1.2, report revolving credit facilities. |\n| Item 1.2.2 | Report housing loans for investment according to their interest rate type in items 1.2.2.1 and 1.2.2.2. |\n| Item 1.2.2.1 | Report investor housing loans to residents with a fixed interest rate.The value of credit outstanding with a fixed interest rate reported in item 1.2.2.1 (column 4) equals item 2.1.1.1 (column 2) on ARF 720.1A/B. |\n| Item 1.2.2.2 | Report investor housing loans to residents with a variable interest rate.The value of credit outstanding with a variable interest rate reported in item 1.2.2.2 (column 4) equals item 2.1.1.2 (column 2) on ARF 720.1A/B. |\n| Item 1.2.3 | Report investor housing loans according to their repayment type in items 1.2.3.1 and 1.2.3.2. |\n| Item 1.2.3.1 | Report investor housing loans to residents for interest-only loans. |\n| Item 1.2.3.2 | Report investor housing loans to residents for amortising loans. |\n| Item 1.3 | Report housing loans to non-residents. |\n\n2. Housing loans funded in the month\n\nItem 2 collects information on the flow of housing finance funded in the reporting period by property purpose, type of interest rate, repayment type and purpose sub-class.\n\nReporting basis: report item 2 during the reporting period or as at the end of the reporting period as directed.\n\nReport loans to non-residents in item 2.2 only.\n\nFor item 2, report all amounts funded during the reporting period, irrespective of whether or not they were drawn. Report values gross of offset account balances (i.e. do not subtract offset account balances) and of redraw facilities (i.e. do not subtract the amounts available in redraw facilities).\n\n| Column 1 | Report the number of owner-occupied housing loan facilities that were funded during the reporting period. |\n| --------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |\n| Column 2 | Report the value of credit for owner-occupied housing loans that was funded.For internal refinances report the total value refinanced, not just the increase in the credit limit. |\n| Column 3 | Report the weighted average interest rate as at the end of the reporting period on owner-occupied housing loans that were funded. |\n| Column 4 | Report the cost of funds as at the end of the reporting period for owner-occupied housing loans that were funded. |\n| Column 5 | Report the margin as at the end of the reporting period for owner-occupied housing loans that were funded.Column 5 is a derived column. Report column 5 as column 3 less column 4. |\n| Column 6 | Report the number of investment housing loan facilities that were funded. |\n| Column 7 | Report the value of credit for investment housing loans that was funded.For internal refinances report the total value refinanced, not just the increase in the credit limit. |\n| Column 8 | Report the weighted average interest rate as at the end of the reporting period on investment housing loans that were funded. |\n| Column 9 | Report the cost of funds as at the end of the reporting period for investment housing loans that were funded. |\n| Column 10 | Report the margin as at the end of the reporting period for investment housing loans that were funded.Column 10 is a derived column. Report column 10 as column 8 less column 9. |\n\n| Item 2.1 | Report housing loans to residents.Item 2.1 is a derived item.Report the number and values (columns 1, 2, 6 and 7) in item 2.1 as the sum of item 2.1.3.1 and item 2.1.3.2.The number and values (columns 1, 2, 6 and 7) in item 2.1 also equal the sum of item 2.1.4.1 and item 2.1.4.2.Report the interest rate, cost of funds and margin (columns 3, 4, 5, 8, 9 and 10) in item 2.1 as the weighted average of item 2.1.3.1 and item 2.1.3.2.The interest rate, cost of funds and margin (columns 3, 4, 5, 8, 9 and 10) in item 2.1 also equal the weighted average of item 2.1.4.1 and item 2.1.4.2. |\n| -------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |\n| Item 2.1.1 | Of the amount reported in item 2.1, report revolving credit facilities. |\n| Item 2.1.2 | Of the amount reported in item 2.1, report finance for the construction of new dwellings. |\n| Item 2.1.3 | Report housing loans to residents by interest rate type for items 2.1.3.1 and 2.1.3.2. |\n| Item 2.1.3.1 | Report housing loans to residents with a fixed interest rate. |\n| Item 2.1.3.1.1 | Of the amount reported in item 2.1.3.1, report housing loans to first-home buyers. |\n| Item 2.1.3.2 | Report housing loans to residents with a variable interest rate. |\n| Item 2.1.3.2.1 | Of the amount reported in item 2.1.3.2, report housing loans to first-home buyers. |\n| Item 2.1.4 | Report housing loans to residents by repayment type for items 2.1.4.1 and 2.1.4.2. |\n| Item 2.1.4.1 | Report housing loans to residents for interest-only loans. |\n| Item 2.1.4.2 | Report housing loans to residents for amortising loans. |\n| Item 2.2 | Report housing loans to non-residents. |\n\n3. Housing loans to residents funded in month – by size\n\nItem 3 collects information on the flow of new finance to resident households for housing loans funded during the reporting period by the size of the loan amount at commitment.\n\nReporting basis: report item 3 during the reporting period or as at the end of the reporting period as directed.\n\nExclude finance to non-residents from item 3.\n\nCalculate the value at commitment at the facility level (for instance, considering the fixed interest rate and variable interest rate components of a split loan as one facility). If the loan (or facility) is for multiple purposes, report the entire loan (facility) value according to the predominant purpose.\n\nInclude the entire value of the commitment in the reporting period in which it is funded, not just the amount drawn in that reporting period.\n\nIn the event of an internal refinance, report the new value at commitment using the entire new loan balance.\n\nIf the loan is disbursed over a period of time (multiple drawdowns) then report the entire loan as being funded in the reporting period in which the funds are first made available to the borrower. Note that this differs from the standard treatment elsewhere in this form.\n\n| Column 1 | Report according to the property purpose (see item 3 for further details). |\n| -------- | -------------------------------------------------------------------------------------------------------------------------------- |\n| Column 2 | Report according to the loan value at commitment (see item 3 for further details). |\n| Column 3 | Report the number of housing loan facilities funded in the reporting period. |\n| Column 4 | Report the value of housing loans funded in the reporting period. |\n| Column 5 | Report the weighted average interest rate as at the end of the reporting period on housing loans funded in the reporting period. |\n\n| Item 3 | Report housing loans to residents funded in the reporting period for each combination of property purpose and value at commitment category.The property purposes are:owner-occupied; andinvestment.The value at commitment categories are:size of the loan amount at commitment was greater than $0 and less than or equal to $200 000;size of the loan amount at commitment was greater than $200 000 and less than or equal to $400 000;size of the loan amount at commitment was greater than $400 000 and less than or equal to $600 000;size of the loan amount at commitment was greater than $600 000 and less than or equal to $800 000size of the loan amount at commitment was greater than $800 000 and less than or equal to $1 000 000;size of the loan amount at commitment was greater than $1 000 000 and less than or equal to $1 500 000;size of the loan amount at commitment was greater than $1 500 000 and less than or equal to $2 000 000;size of the loan amount at commitment was greater than $2 000 000 and less than or equal to $3 000 000; andsize of the loan amount at commitment was greater than $3 000 000. |\n| ------ | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |\n\n4. Housing loans to residents funded in the month – by loan-to-valuation ratio (at commitment)\n\nItem 4 collects information on the flow of new finance to resident households for housing loans funded during the reporting period by loan-to-valuation ratio at commitment.\n\nReporting basis: report item 4 during the reporting period or as at the end of the reporting period as directed.\n\nExclude finance to non-residents from item 4.\n\nReport the number, value and interest rate according to the characteristics of the loan (or facility) funded during the reporting period, even where the loan-to-valuation ratio calculated for that loan (or facility) includes other claims on the borrower – for example, due to second mortgage status or the nomination of more than one property as security.\n\nIf the loan (or facility) is for multiple purposes, report the entire loan (facility) value according to the predominant purpose.\n\nInclude the entire value of the commitment in the month in which it is funded, not just the amount drawn in that month.\n\nIn the event of an internal refinance, report the new value at commitment using the entire new loan balance.\n\nIf the loan is disbursed over a period of time (multiple drawdowns) then report the entire loan as being funded in the reporting period in which the funds are first made available to the borrower. Note that this differs from the standard treatment elsewhere in this form.\n\n| Column 1 | Report according to the property purpose (see item 4 for further details). |\n| -------- | -------------------------------------------------------------------------------------------------------------------------------- |\n| Column 2 | Report according to the loan-to-valuation ratio at commitment (see item 4 for further details). |\n| Column 3 | Report the number of housing loan facilities funded in the reporting period. |\n| Column 4 | Report the value of housing loans funded in the reporting period. |\n| Column 5 | Report the weighted average interest rate as at the end of the reporting period on housing loans funded in the reporting period. |\n\n| Item 4 | Report housing loans to households funded in the reporting period for each combination of property purpose and loan-to-valuation ratio category.The property purposes are:owner-occupied; andinvestment.The loan-to-valuation ratio categories are:where the loan-to-valuation ratio at commitment was less than 40 per cent;where the loan-to-valuation ratio at commitment was greater than or equal to 40 per cent and less than 60 per cent;where the loan-to-valuation ratio at commitment was greater than or equal to 60 per cent and less than 80 per cent;where the loan-to-valuation ratio at commitment was greater than or equal to 80 per cent and less than 81 per cent;where the loan-to-valuation ratio at commitment was greater than or equal to 81 per cent and less than 85 per cent;where the loan-to-valuation ratio at commitment was greater than or equal to 85 per cent and less than 90 per cent;where the loan-to-valuation ratio at commitment was greater than or equal to 90 per cent and less than 95 per cent;where the loan-to-valuation ratio at commitment was greater than or equal to 95 per cent;where the loan was unsecured; andwhere the loan-to-valuation ratio at commitment was unknown. |\n| -------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |\n| Item 4.1 | Report the average loan-to-valuation ratio at commitment for loans funded during the reporting period, weighted by loan size at commitment. |\n\n5. Fixed interest rate housing loans to residents – by residual term\n\nItem 5 collects information on the flow of new fixed interest rate housing loans funded during the reporting period and the stock of fixed interest rate housing loans with credit outstanding to resident households by the residual term of the fixed interest rate period.\n\nReporting basis: report item 5 as at the end of the reporting period or during the reporting period as directed.\n\nIf the loan (or facility) is for multiple purposes, report the entire loan (facility) value according to the predominant purpose.\n\nWhen reporting the number of facilities, report each facility with a fixed interest rate component once, regardless of whether this is the predominant interest rate type by value. Note that this differs from the standard treatment elsewhere in this form.\n\nExclude finance to non-residents from item 5.\n\nFor item 5, report all amounts funded during the reporting period, irrespective of whether or not they were drawn down. Report values gross of offset account balances (i.e. do not subtract offset account balances) and of redraw facilities (i.e. do not subtract the amounts available in redraw facilities).\n\n| Column 1 | Report according to the property purpose of the loans (see item 5 for further details). |\n| --------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |\n| Column 2 | Report according to the residual term of the fixed interest rate period of housing loans (see item 5 for further details). |\n| Column 3 | Report the total number of housing loan facilities with a fixed interest rate component that have credit outstanding on that fixed interest rate component as at the end of the month. |\n| Column 4 | Report the value of housing loans with a fixed interest rate that have credit outstanding. |\n| Column 5 | Report the weighted average interest rate on housing loans with a fixed interest rate as at the end of the reporting period. |\n| Column 6 | Report the weighted average residual fixed term on housing loans with a fixed interest rate and credit outstanding as at the end of the reporting period.To calculate and report this item, express each term as the number of days remaining to maturity/365 days.Unit of measurement: report item 5 (column 6) as a number to two decimal places. |\n| Column 7 | Report the total number of housing loan facilities with a fixed interest rate component funded in the month. |\n| Column 8 | Report the value of housing loans with a fixed interest rate funded in the month. |\n| Column 9 | Report the weighted average interest rate as at the end of the reporting period on housing loans with a fixed interest rate funded in the reporting period. |\n| Column 10 | Report the weighted average residual fixed term as at the end of the reporting period on housing loans with a fixed interest rate funded in the reporting period.To calculate and report this item, express each term as the number of days remaining to maturity/365 days.Unit of measurement: report item 5 (column 10) as a number to two decimal places. |\n\n| Item 5 | Report fixed interest rate housing loans with credit outstanding as at the end of the reporting period and fixed interest rate housing loans funded in the reporting period to resident households for each combination of property purpose and residual term.The property purposes are:owner-occupied; andinvestment.The residual term categories are:term less than or equal to 1 year;term greater than 1 year and less than or equal to 2 years;term greater than 2 years and less than or equal to 3 years;term greater than 3 years and less than or equal to 5 years;term greater than 5 years.For housing credit outstanding the total value (column 4) and the total weighted average interest rate (column 5) reported in item 5 for:owner-occupied housing loans equals item 1.1.2.1 (column 4) and item 1.1.2.1 (column 5) respectively; andinvestment housing loans equals item 1.2.2.1 (column 4) and item 1.2.2.1 (column 5) respectively.For housing loans funded in the month the total value (column 8) and the total weighted average interest rate (column 9) reported in item 5 for:owner-occupied housing loans equals item 2.1.3.1 (column 2) and item 2.1.3.1 (column 3) respectively; andinvestment housing loans equals item 2.1.3.1 (column 7) and item 2.1.3.1 (column 8) respectively. |\n| ------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |\n\n| ARF_744_0B: ABS/RBA Housing Credit Stocks, Flows and Interest Rates (Reduced) |\n| ----------------------------------------------------------------------------- |\n\n| Australian Business Number | Institution Name |\n| -------------------------- | ---------------- |\n| | |\n| Reporting Period | Scale Factor |\n| Monthly | |\n| Reporting Consolidation | |\n| Domestic | |\n\n| Housing loans outstanding |\n| ------------------------- |\n\n| | Number of facilities | Value (net of offset balances) | Interest rate (net of offset balances) | Value | Interest rate |\n| ----------------------------------------------------------------- | -------------------- | ------------------------------ | -------------------------------------- | ----- | ------------- |\n| | (1) | (2) | (3) | (4) | (5) |\n| 1.1. Total owner-occupied housing credit outstanding to residents | | | | | |\n| 1.1.1. of which: Revolving credit | | | | | |\n| 1.1.2. By interest rate type | | | | | |\n| 1.1.2.1. Fixed interest rate | | | | | |\n| 1.1.2.2. Variable interest rate | | | | | |\n| 1.1.3. By repayment type | | | | | |\n| 1.1.3.1. Interest-only | | | | | |\n| 1.1.3.2. Amortising | | | | | |\n| 1.2. Total investment housing credit outstanding to residents | | | | | |\n| 1.2.1. of which: Revolving credit | | | | | |\n| 1.2.2. By interest rate type | | | | | |\n| 1.2.2.1. Fixed interest rate | | | | | |\n| 1.2.2.2. Variable interest rate | | | | | |\n| 1.2.3. By repayment type | | | | | |\n| 1.2.3.1. Interest-only | | | | | |\n| 1.2.3.2. Amortising | | | | | |\n| 1.3. Total housing credit outstanding to non-residents | | | | | |\n\n| 2. Housing loans funded in the month |\n| ------------------------------------ |\n\n```html\n

Owner-occupied

Investment

Number of facilities

Value

Interest rate

Number of facilities

Value

Interest rate

(1)

(2)

(3)

(4)

(5)

(6)

2.1. Housing loans to residents funded in the month

2.1.1. of which: Revolving credit

2.1.2. of which: Finance for the construction of new dwellings

2.1.3. By interest rate type

2.1.3.1. Fixed interest rate

2.1.3.1.1. of which: First-home buyers

2.1.3.2. Variable interest rate

2.1.3.2.1. of which: First-home buyers

2.1.4. By repayment type

2.1.4.1. Interest-only

2.1.4.2. Amortising

2.2. Housing loans to non-residents funded in the month

\n```\n\n| 3. Housing loans to residents funded in the month - by size |\n| ----------------------------------------------------------- |\n\n| Property purpose | Value at commitment | Number of facilities | Value | Interest rate |\n| ---------------- | ---------------------------- | -------------------- | ----- | ------------- |\n| (1) | (2) | (3) | (4) | (5) |\n| | | | | |\n| Owner-occupied | >$0 to <=$200 000 | | | |\n| Investment | >$200 000 to <=$400 000 | | | |\n| | >$400 000 to <=$600 000 | | | |\n| | >$600 000 to <=$800 000 | | | |\n| | >$800 000 to <= $1 000 000 | | | |\n| | >$1 000 000 to <=$1 500 000 | | | |\n| | >$1 500 000 to <=$2 000 000 | | | |\n| | >$2 000 000 to <= $3 000 000 | | | |\n| | >$3 000 000 | | | |\n\n| 4. Housing loans to residents funded in the month - by loan-to-valuation ratio (at commitment) |\n| ---------------------------------------------------------------------------------------------- |\n\n| Property purpose | Loan-to-valuation ratio at commitment | Number of facilities | Value | Interest rate |\n| ---------------- | ------------------------------------- | -------------------- | ----- | ------------- |\n| (1) | (2) | (3) | (4) | (5) |\n| | | | | |\n| Owner-occupied | <40% | | | |\n| Investment | >=40% to <60% | | | |\n| | >=60% to <80% | | | |\n| | >=80% to <81% | | | |\n| | >=81% to <85% | | | |\n| | >=85% to <90% | | | |\n| | >=90% to <95% | | | |\n| | >=95% | | | |\n| | Unsecured | | | |\n| | Unknown LTV ratio | | | |\n| | | | | |\n| 4.1. Average LVR | | | | |\n\n| 5. Fixed interest rate housing loans to residents - by residual term |\n| -------------------------------------------------------------------- |\n\n```html\n

Credit outstanding

Funded in the month

Property purpose

Residual term of fixed rate period

Number of facilities

Value

Interest rate

Weighted average term

Number of facilities

Value

Interest rate

Weighted average term

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

(9)

(10)

Owner-occupied

<=1 year

Investment

>1 year to <=2 years

>2 years to <=3 years

>3 years to <=5 years

>5 years

\n```\n\nReporting Form ARF 744.0B\n\nABS/RBA Housing Credit Stocks, Flows and Interest Rates (Reduced)\n\nInstructions\n\nThese instructions assist completion of Reporting Form ARF 744.0B ABS/RBA Housing Credit Stocks, Flows and Interest Rates (Reduced) (ARF 744.0B). ARF 744.0B collects information relating to the housing stocks, flows and interest rates of ADIs and RFCs.\n\nInformation reported in ARF 744.0B is required primarily for purposes of the ABS and the RBA. This information is required for various purposes, including policy and statistical purposes. This information may also be used by APRA for prudential and publication purposes.\n\nReporting level\n\nARF 744.0B must be completed by each ADI and RFC to which this Reporting Standard applies under paragraphs 4 or 5.\n\nReporting basis and unit of measurement\n\nThese instructions specify the reporting basis and unit of measurement that applies to each item.\n\nFor reporting purposes, unless specified otherwise, enter data as a positive number.\n\nCounterparties\n\nFor the purposes of this form, report only finance to households for housing purposes.\n\nFor the purposes of this form, households may exist in either the resident or non-resident sectors.\n\nPositions with resident and non-resident households are collected separately.\n\nTypes of finance\n\nFor the purposes of this form, finance includes loans.\n\nWhen reporting information on the stock of outstanding finance (e.g. credit outstanding), only include finance that is held on-balance sheet, unless otherwise directed.\n\nReporting by purpose\n\nClassify finance at the lowest level at which it is able to be identified; the purpose that the funds will be used for determines whether (and where) it is reported on this form. Where finance (identified at the lowest available level) is to be used for more than one purpose, classify that finance to its predominant purpose (based on the purpose for which the largest share of the funds will be used).\n\nCredit outstanding & credit outstanding, net of offset account balances\n\nReport outstanding finance under the category in which it sits as at the reporting date. For example, if a loan was originally classified as having a fixed interest rate but now has a variable interest rate then it must be reported as variable interest rate for the current reporting period.\n\nTreatment of facilities\n\nWhere there is a finance facility with a mix of interest rate or repayment types, follow the instructions below unless otherwise directed.\n\nWhen reporting on the number of facilities, report each facility once. Where interest rate types or repayment types are separately identified, report the number of facilities according to the predominant interest rate type or repayment type by value.\n\nWhen reporting the value of finance, apportion across the relevant interest rate type and/or repayment type dimensions.\n\nWhen reporting the weighted average interest rate, weight each interest rate by its corresponding balance outstanding.\n\nValues\n\nUnless otherwise specifically stated, information reported on this form must comply with Australian Accounting Standards.\n\nReport monetary amounts on ARF 744.0B in Australian dollars or the Australian dollar equivalent of the foreign currency. Convert amounts denominated in foreign currency to AUD in accordance with AASB 121.\n\nReport values on ARF 744.0B as whole dollars.\n\nNumbers\n\nReport numbers on ARF 744.0B unscaled, as whole numbers for ADIs and RFCs.\n\nAverages\n\nReport averages on ARF 744.0B unscaled, as numbers to two decimal places.\n\nInterest rates\n\nADIs and RFCs are required to report contractual interest rates. Report interest rates as an annualised percentage rate (on a 365 days per year basis) to two decimal places.\n\nRefer to the interest rates definition for further guidance (ARS 701.0).\n\nStandard Business Reporting (SBR)\n\nReport items on ARF 744.0B with accounting type of debit (assets). The accounting type (i.e. credit or debit) applies to all monetary items and represents the natural accounting type of the item collected.\n\nSpecific instructions\n\nTerms highlighted in bold italics are defined in ARS 701.0.\n\nAll derived fields in the form are shaded in grey are explained in words as a mathematical expression in these instructions.\n\nExamples included under ‘Include’ and ‘Exclude’ must not be taken as an exhaustive list of items to be included or excluded.\n\n1. Housing loans outstanding\n\nItem 1 collects information on the stock of credit outstanding to households for housing by property purpose, type of interest rate and repayment type.\n\nReporting basis: report item 1 as at the end of the reporting period.\n\nReport loans to non-residents in item 1.3 only.\n\nExclude facilities with a nil credit outstanding balance.\n\n| Column 1 | Report the number of housing loan facilities with credit outstanding. |\n| -------- | ---------------------------------------------------------------------------------------------------------- |\n| Column 2 | Report the value of credit outstanding, net of offset account balances for housing loans. |\n| Column 3 | Report the weighted average interest rate on credit outstanding, net of offset accounts for housing loans. |\n| Column 4 | Report the value of credit outstanding for housing loans. |\n| Column 5 | Report the weighted average interest rate on credit outstanding for housing loans. |\n\n| Item 1.1 | Report total owner-occupied housing loans to residents.Item 1.1 is a derived item.Report the number and values (columns 1, 2, and 4) in item 1.1 as the sum of item 1.1.2.1 and item 1.1.2.2.The number and values (columns 1, 2, and 4) in item 1.1 also equal the sum of item 1.1.3.1 and item 1.1.3.2.Report the interest rate (columns 3 and 5) in item 1.1 as the weighted average of item 1.1.2.1 and item 1.1.2.2.The interest rate (columns 3 and 5) in item 1.1 also equal the weighted average of item 1.1.3.1 and item 1.1.3.2.The value of credit outstanding reported in item 1.1 (column 4) equals item 1.1.1.1.1.1 (column 1) on ARF 720.1A/B. |\n| ------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |\n| Item 1.1.1 | Of the amount reported in item 1.1, report revolving credit facilities. |\n| Item 1.1.2 | Report owner-occupied housing loans according to their interest rate type in items 1.1.2.1 and 1.1.2.2. |\n| Item 1.1.2.1 | Report owner-occupied housing loans to residents with a fixed interest rate.The value of credit outstanding with a fixed interest rate reported in item 1.1.2.1 (column 4) equals item 2.1.1.1 (column 1) on ARF 720.1A/B. |\n| Item 1.1.2.2 | Report owner-occupied housing loans to residents with a variable interest rate.The value of credit outstanding with a variable interest rate reported in item 1.1.2.2 (column 4) equals item 2.1.1.2 (column 1) on ARF 720.1A/B. |\n| Item 1.1.3 | Report owner-occupied housing loans according to their repayment type in items 1.1.3.1 and 1.1.3.2. |\n| Item 1.1.3.1 | Report owner-occupied housing loans to residents for interest-only loans. |\n| Item 1.1.3.2 | Report owner-occupied housing loans to residents for amortising loans. |\n| Item 1.2 | Report total investor housing loans to residents with credit outstanding.Item 1.2 is a derived item.Report the number and values (columns 1, 2, and 4) in item 1.2 as the sum of item 1.2.2.1 and item 1.2.2.2.The number and values (columns 1, 2, and 4) in item 1.2 also equal the sum of item 1.2.3.1 and item 1.2.3.2.Report the interest rate (columns 3 and 5) in item 1.2 as the weighted average of item 1.2.2.1 and item 1.2.2.2.The interest rate (columns 3 and 5) in item 1.2 also equal the weighted average of item 1.2.3.1 and item 1.2.3.2.The value of credit outstanding reported in item 1.2 (column 4) equals item 1.1.1.1.1.2 (column 1) on ARF 720.1A/B. |\n| Item 1.2.1 | Of the amount reported in item 1.2, report revolving credit facilities. |\n| Item 1.2.2 | Report housing loans for investment according to their interest rate type in items 1.2.2.1 and 1.2.2.2. |\n| Item 1.2.2.1 | Report investor housing loans to residents with a fixed interest rate.The value of credit outstanding reported in item 1.2.2.1 (column 4) equals item 2.1.1.1 (column 2) on ARF 720.1A/B. |\n| Item 1.2.2.2 | Report investor housing loans to residents with a variable interest rate.The value of credit outstanding reported in item 1.2.2.2 (column 4) equals item 2.1.1.2 (column 2) on ARF 720.1A/B. |\n| Item 1.2.3 | Report investor housing loans according to their repayment type in items 1.2.3.1 and 1.2.3.2. |\n| Item 1.2.3.1 | Report investor housing loans to residents for interest-only loans. |\n| Item 1.2.3.2 | Report investor housing loans to residents for amortising loans. |\n| Item 1.3 | Report housing loans to non-residents. |\n\n2. Housing loans funded in the month\n\nItem 2 collects information on the flow of housing finance funded in the reporting period by property purpose, type of interest rate, repayment type and purpose.\n\nReporting basis: report item 2 during the reporting period or as at the end of the reporting period as directed.\n\nLoans to non-residents are only reported in item 2.2.\n\nFor item 2, report all amounts funded during the reporting period, irrespective of whether or not they were drawn. Report values gross of offset account balances (i.e. do not subtract offset account balances) and of redraw facilities (i.e. do not subtract the amounts available in redraw facilities).\n\n| Column 1 | Report the number of owner-occupied housing loan facilities that were funded during the reporting period. |\n| -------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |\n| Column 2 | Report the value of credit for owner-occupied housing loans that was funded during the reporting period.For internal refinances report the total value refinanced, not just the increase in the credit limit. |\n| Column 3 | Report the weighted average interest rate as at the end of the reporting period on owner-occupied housing loans that were funded during the reporting period. |\n| Column 4 | Report the number of investment housing loan facilities that were funded during the reporting period. |\n| Column 5 | Report the value of credit for investment housing loans that was funded during the reporting period.For internal refinances report the total value refinanced, not just the increase in the credit limit. |\n| Column 6 | Report the weighted average interest rate as at the end of the reporting period on investment housing loans that were funded during the reporting period. |\n\n| Item 2.1 | Report housing loans to residents.Item 2.1 is a derived item.Report the number and values (columns 1, 2, 4 and 5) in item 2.1 as the sum of item 2.1.3.1 and item 2.1.3.2.The number and values (columns 1, 2, 4 and 5) in item 2.1 also equal the sum of item 2.1.4.1 and item 2.1.4.2.Report the interest rate (columns 3 and 6) in item 2.1 as the weighted average of item 2.1.3.1 and item 2.1.3.2.The interest rate (columns 3 and 6) in item 2.1 also equal the weighted average of item 2.1.4.1 and item 2.1.4.2. |\n| -------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |\n| Item 2.1.1 | Of the amount reported in item 2.1, report revolving credit facilities. |\n| Item 2.1.2 | Of the amount reported in item 2.1, report finance for the construction of new dwellings. |\n| Item 2.1.3 | Report housing loans to residents by interest rate type for items 2.1.3.1 and 2.1.3.2. |\n| Item 2.1.3.1 | Report housing loans to residents with a fixed interest rate. |\n| Item 2.1.3.1.1 | Of the amount reported in item 2.1.3.1, report housing loans to first-home buyers. |\n| Item 2.1.3.2 | Report housing loans to residents with a variable interest rate. |\n| Item 2.1.3.2.1 | Of the amount reported in item 2.1.3.2, report housing loans to first-home buyers. |\n| Item 2.1.4 | Report housing loans to residents by repayment type for items 2.1.4.1 and 2.1.4.2. |\n| Item 2.1.4.1 | Report housing loans to residents for interest-only loans. |\n| Item 2.1.4.2 | Report housing loans to residents for amortising loans. |\n| Item 2.2 | Report housing loans to non-residents. |\n\n3. Housing loans to residents funded in month – by size\n\nItem 3 collects information on the flow of new finance to resident households for housing loans funded during the reporting period by the size of the loan amount at commitment.\n\nReporting basis: report item 3 during the reporting period or as at the end of the reporting period as directed.\n\nExclude finance to non-residents from item 3.\n\nCalculate the value at commitment at the facility level (for instance, considering the fixed interest rate and variable interest rate components of a split loan as one facility). If the loan (or facility) is for multiple purposes, report the entire loan (facility) value according to the predominant purpose.\n\nInclude the entire value of the commitment in the reporting period in which it is funded, not just the amount drawn in that reporting period.\n\nIn the event of an internal refinance, report the new value at commitment using the entire new loan balance.\n\nIf the loan is disbursed over a period of time (multiple drawdowns) then report the entire loan as being funded in the reporting period in which the funds are first made available to the borrower. Note that this differs from the standard treatment elsewhere in this form.\n\n| Column 1 | Report according to the property purpose (see item 3 for further details). |\n| -------- | -------------------------------------------------------------------------------------------------------------------------------- |\n| Column 2 | Report according to the loan value at commitment (see item 3 for further details). |\n| Column 3 | Report the number of housing loan facilities funded in the reporting period. |\n| Column 4 | Report the value of housing loans funded in the reporting period. |\n| Column 5 | Report the weighted average interest rate as at the end of the reporting period on housing loans funded in the reporting period. |\n\n| Item 3 | Report housing loans to residents funded in the reporting period for each combination of property purpose and value at commitment category.The property purposes are:owner-occupied; andinvestment.The value at commitment categories are:size of the loan amount at commitment was greater than $0 and less than or equal to $200 000;size of the loan amount at commitment was greater than $200 000 and less than or equal to $400 000;size of the loan amount at commitment was greater than $400 000 and less than or equal to $600 000;size of the loan amount at commitment was greater than $600 000 and less than or equal to $800 000size of the loan amount at commitment was greater than $800 000 and less than or equal to $1 000 000;size of the loan amount at commitment was greater than $1 000 000 and less than or equal to $1 500 000;size of the loan amount at commitment was greater than $1 500 000 and less than or equal to $2 000 000;size of the loan amount at commitment was greater than $2 000 000 and less than or equal to $3 000 000; andsize of the loan amount at commitment was greater than $3 000 000. |\n| ------ | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |\n\n4. Housing loans to residents funded in the month – by loan-to-valuation ratio (at commitment)\n\nItem 4 collects information on the flow of new finance to resident households for housing loans funded during the reporting period by loan-to-valuation ratio at commitment.\n\nReporting basis: report item 4 during the reporting period or as at the end of the reporting period as directed.\n\nExclude finance to non-residents from item 4.\n\nReport the number, value and interest rate according to the characteristics of the loan (or facility) funded during the reporting period, even where the loan-to-valuation ratio calculated for that loan (or facility) includes other claims on the borrower – for example, due to second mortgage status or the nomination of more than one property as security.\n\nIf the loan (or facility) is for multiple purposes, report the entire loan (facility) value according to the predominant purpose.\n\nInclude the entire value of the commitment in the month in which it is funded, not just the amount drawn in that month.\n\nIn the event of an internal refinance, report the new value at commitment using the entire new loan balance.\n\nIf the loan is disbursed over a period of time (multiple drawdowns) then report the entire loan as being funded in the reporting period in which the funds are first made available to the borrower. Note that this differs from the standard treatment elsewhere in this form.\n\n| Column 1 | Report according to the property purpose (see item 4 for further details). |\n| -------- | -------------------------------------------------------------------------------------------------------------------------------- |\n| Column 2 | Report according to the loan-to-valuation ratio at commitment (see item 4 for further details). |\n| Column 3 | Report the number of housing loan facilities funded in the reporting period. |\n| Column 4 | Report the value of housing loans funded in the reporting period. |\n| Column 5 | Report the weighted average interest rate as at the end of the reporting period on housing loans funded in the reporting period. |\n\n| Item 4 | Report housing loans to households funded in the reporting period for each combination of property purpose and loan-to-valuation ratio category.The property purpose are:owner-occupied; andinvestment.The loan-to-valuation ratio categories are:where the loan-to-valuation ratio at commitment was less than 40 per cent;where the loan-to-valuation ratio at commitment was greater than or equal to 40 per cent and less than 60 per cent;where the loan-to-valuation ratio at commitment was greater than or equal to 60 per cent and less than 80 per cent;where the loan-to-valuation ratio at commitment was greater than or equal to 80 per cent and less than 81 per cent;where the loan-to-valuation ratio at commitment was greater than or equal to 81 per cent and less than 85 per cent;where the loan-to-valuation ratio at commitment was greater than or equal to 85 per cent and less than 90 per cent;where the loan-to-valuation ratio at commitment was greater than or equal to 90 per cent and less than 95 per cent;where the loan-to-valuation ratio at commitment was greater than or equal to 95 per cent;where the loan was unsecured; andwhere the loan-to-valuation ratio at commitment was unknown. |\n| -------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |\n| Item 4.1 | Report the average loan-to-valuation ratio at commitment for loans funded during the reporting period, weighted by loan size at commitment. |\n\n5. Fixed interest rate housing loans to residents – by residual term\n\nItem 5 collects information on the flow of new fixed interest rate housing loans funded during the reporting period and the stock of fixed interest rate housing loans with credit outstanding to resident households by the residual term of the fixed interest rate period.\n\nReporting basis: report item 5 as at the end of the reporting period or during the reporting period as directed.\n\nIf the loan (or facility) is for multiple purposes, report the entire loan (facility) value according to the predominant purpose.\n\nWhen reporting the number of facilities, report each facility with a fixed interest rate component once, regardless of whether this is the predominant interest rate type by value. Note that this differs from the standard treatment elsewhere in this form.\n\nFinance to non-residents is excluded from item 5.\n\nFor item 5, report all amounts funded during the reporting period, irrespective of whether or not they were drawn down. Report values gross of offset account balances (i.e. do not subtract offset account balances) and of redraw facilities (i.e. do not subtract the amounts available in redraw facilities).\n\n| Column 1 | Report according to the property purpose of the loans (see item 5 for further details). |\n| --------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |\n| Column 2 | Report according to the residual term of the fixed interest rate period of housing loans (see item 5 for further details). |\n| Column 3 | Report the total number of housing loan facilities with a fixed interest rate component that have credit outstanding on that fixed interest rate component as at the end of the month. |\n| Column 4 | Report the value of housing loans with a fixed interest rate that have credit outstanding. |\n| Column 5 | Report the weighted average interest rate on housing loans with a fixed interest rate as at the end of the reporting period. |\n| Column 6 | Report the weighted average residual fixed term on housing loans with a fixed interest rate and credit outstanding as at the end of the reporting period.To calculate and report this item, express each term as the number of days remaining to maturity/365 days.Unit of measurement: report item 5 (column 6) as a number to two decimal places. |\n| Column 7 | Report the total number of housing loan facilities with a fixed interest rate component funded in the month. |\n| Column 8 | Report the value of housing loans with a fixed interest rate funded in the month. |\n| Column 9 | Report the weighted average interest rate as at the end of the reporting period on housing loans with a fixed interest rate funded in the reporting period. |\n| Column 10 | Report the weighted average residual fixed term as at the end of the reporting period on housing loans with a fixed interest rate funded in the reporting period.To calculate and report this item, express each term as the number of days remaining to maturity/365 days.Unit of measurement: report item 5 (column 10) as a number as numbers to two decimal places. |\n\n| Item 5 | Report fixed interest rate housing loans with credit outstanding as at the end of the reporting period and fixed interest rate housing loans funded in the reporting period to resident households for each combination of property purpose and residual term.The property purposes are:owner-occupied; andinvestment.The residual term categories are:term less than or equal to 1 year;term greater than 1 year and less than or equal to 2 years;term greater than 2 years and less than or equal to 3 years;term greater than 3 years and less than or equal to 5 years;term greater than 5 years.For housing credit outstanding the total value (column 4) and the total weighted average interest rate (column 5) reported in item 5 for:owner-occupied housing loans equals item 1.1.2.1 (column 4) and item 1.1.2.1 (column 5) respectively; andinvestment housing loans equals item 1.2.2.1 (column 4) and item 1.2.2.1 (column 5) respectively.For housing loans funded in the month the total value (column 8) and the total weighted average interest rate (column 9) reported in item 5 for:owner-occupied housing loans equals item 2.1.3.1 (column 2) and item 2.1.3.1 (column 3) respectively; and.investment housing loans equals item 2.1.3.1 (column 5) and item 2.1.3.1 (column 6) respectively. |\n| ------ | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |","sortOrder":18}],"analysis":{"kimi_summary":{"_metrics":{"completionTokens":592},"content_quality":"ok","complexity_score":7,"scope_assessment":{"changed":false,"description":"This is a straightforward replacement of a previous 2019 determination with the same scope — housing credit data collection. No expansion beyond original purpose."},"complexity_factors":["Extensive cross-referencing to other reporting standards (ARS 701.0, ARF 720.1A/B, ARF 720.0A/B)","Dual form structure (Standard vs Reduced) with different column requirements","Nested categorisation requirements (property purpose × interest rate type × repayment type × loan size × LVR × residual term)","Precise mathematical derivations required (weighted averages, net of offset calculations)","Multiple threshold tests for applicability ($6bn housing credit, $25bn deposits)","Detailed formatting and submission requirements (electronic format, digital signatures)","Extensive defined terms and conditional logic throughout","Cross-form validation requirements (values must reconcile with other ARF forms)"],"plain_english_summary":"This reporting standard requires large banks, credit unions, building societies and registered financial corporations with ≥$6bn in housing loans to submit detailed monthly home‑lending data to APRA. Reports cover outstanding and newly funded mortgages (e.g., owner‑occupier vs investment, interest type, loan sizes and LVRs) and must be submitted electronically and audited. The data feed ABS/RBA statistics and APRA supervision, informing monetary policy and financial‑stability monitoring."},"flash_summary":{"complexity_score":5,"scope_assessment":{"changed":true,"description":"The instrument expressly revokes Financial Sector (Collection of Data) (reporting standard) determination No. 13 of 2019 and re‑determines Reporting Standard ARS 744.0 (opening paragraphs). It applies to ADIs and RFCs meeting the thresholds set in paragraph 4 from reporting periods ending on or after 30 September 2021 (paras 4, 6). The text grants APRA discretion to vary thresholds or reporting frequency for particular institutions (paras 5, 11). The instrument therefore replaces the prior Determination and fixes commencement, but the document provided does not state which substantive changes (if any) were made to the data items compared with the 2019 standard."},"complexity_factors":["Thresholded coverage: applies only to ADIs/RFCs meeting housing credit and deposit size tests, with APRA power to set higher thresholds for particular institutions (application thresholds and APRA discretion: para 4–5).","Frequent periodicity and tight deadlines: monthly reporting required and due within 15 business days of period end, with APRA able to alter frequency for particular institutions (reporting periods and due dates: paras 9–11).","Detailed, multi-dimensional data tables and derived fields: multiple forms (ARF 744.0A Standard and ARF 744.0B Reduced) collecting stock, flow and rate cells by purpose, rate type, repayment type, LVR bands, size bands and fixed-rate residual terms; many items are derived or linked to ARF 720 series (form structure and derived-field rules: Objective, Items 1–5, Specific instructions).","Quality and assurance obligations: annual (or more frequent if required) external auditor review of systems/processes and internal authorisation controls required (quality control/audit requirements: para 13–14; references to APS 310 / RRS 710.0).","Submission and authentication technicalities: mandated electronic submission via APRA's D2A or notified web channel and digital signing using APRA‑accepted credentials (method of submission and authorisation: paras 8, 15).","Cross-reference and accounting rules: values must comply with Australian Accounting Standards and specific conversion rules for foreign currency, with precise units/format requirements (Values/Numbers/Averages/Interest rates instructions in Specific instructions).","Operational interpretation points: many classification rules (predominant purpose, treatment of split facilities, treatment of drawdowns and internal refinances) create operational choices and possible judgment calls for reporters (reporting by purpose, treatment of facilities, commitment timing: Specific instructions under Items 2–5)."],"plain_english_summary":"This instrument revokes an earlier standard and re-establishes Reporting Standard ARS 744.0, which requires certain authorised deposit‑taking institutions (ADIs) and registered financial corporations (RFCs) to send monthly electronic returns on housing credit stocks, flows and interest rates to APRA for use by the ABS and RBA (and by APRA for prudential/publication purposes). Reports must be submitted electronically within 15 business days, be subject to external-auditor review and internal controls, and be digitally signed — so the reporting cost and compliance burden falls on affected institutions."},"flash_summary_failed":{"failed":true,"reason":"A positive credit balance is required for all requests, including BYOK, so fallback providers remain available. Add credits at https://vercel.com/d?to=%2F%5Bteam%5D%2F%7E%2Fai%3Fmodal%3Dtop-up to continue.","source":"analysis-cron"}},"importantCases":[],"_links":{"self":"/api/acts/financial-sector-collection-of-data-reporting-standard-determination-no-37-of-2021","history":"/api/acts/financial-sector-collection-of-data-reporting-standard-determination-no-37-of-2021/history","analysis":"/api/acts/financial-sector-collection-of-data-reporting-standard-determination-no-37-of-2021/analysis","conflicts":"/api/acts/financial-sector-collection-of-data-reporting-standard-determination-no-37-of-2021/conflicts","importantCases":"/api/acts/financial-sector-collection-of-data-reporting-standard-determination-no-37-of-2021/important-cases","documents":"/api/acts/financial-sector-collection-of-data-reporting-standard-determination-no-37-of-2021/documents"}}