Risk weights for standard residential prRisk weights for standard residential property loans

Risk weights for standard residential property loans

1. An ADI must apply the risk weights in Table 1 to its residential property exposures that satisfy all of the conditions of a standard loan as set out in paragraphs 3 to 7 of this Attachment, based on their classification as an owner-occupied principal-and-interest or other standard residential property exposure, the application of eligible LMI and the exposure’s LVR.

2. Risk weights for standard loans

<table cellspacing="0" cellpadding="0" style="margin-bottom:0pt; border:0.75pt solid #000000; border-collapse:collapse"><tbody><tr><td colspan="2" rowspan="2" style="width:123.65pt; border-right:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:bottom"><p style="margin-top:6pt; margin-bottom:6pt; text-align:right; page-break-after:avoid"><span style="font-weight:bold">LVR (%)</span></p></td><td colspan="7" style="width:269.85pt; border-left:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top"><p style="margin-top:6pt; margin-bottom:6pt; text-align:center"><span style="font-weight:bold">Risk weight (%)</span></p></td></tr><tr><td style="width:29.25pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span style="font-weight:bold">≤ 50</span></p></td><td style="width:29.3pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span style="font-weight:bold">50.01 - 60</span></p></td><td style="width:29.3pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span style="font-weight:bold">60.01 - 70</span></p></td><td style="width:29.3pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span style="font-weight:bold">70.01 - 80</span></p></td><td style="width:29.3pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span style="font-weight:bold">80.01 - 90</span></p></td><td style="width:29.3pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span style="font-weight:bold">90.01 - 100</span></p></td><td style="width:29.3pt; border-top:0.75pt solid #000000; border-left:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span style="font-weight:bold">&gt; 100</span></p></td></tr><tr><td rowspan="2" style="width:88.2pt; border-top:0.75pt solid #000000; border-right:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:middle"><p style="margin-top:3pt; margin-bottom:3pt; page-break-after:avoid"><span style="font-weight:bold">Owner-occupied principal-and-interest</span></p></td><td style="width:24.65pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top"><p style="margin-top:3pt; margin-bottom:3pt"><span style="font-weight:bold">LMI</span></p></td><td rowspan="2" style="width:29.25pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:middle"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span>20</span></p></td><td rowspan="2" style="width:29.3pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:middle"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span>25</span></p></td><td rowspan="2" style="width:29.3pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:middle"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span>30</span></p></td><td rowspan="2" style="width:29.3pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:middle"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span>35</span></p></td><td style="width:29.3pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:middle"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span>40</span></p></td><td style="width:29.3pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:middle"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span>55</span></p></td><td style="width:29.3pt; border-top:0.75pt solid #000000; border-left:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:middle"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span>70</span></p></td></tr><tr><td style="width:24.65pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top"><p style="margin-top:3pt; margin-bottom:3pt"><span style="font-weight:bold">No LMI</span></p></td><td style="width:29.3pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:middle"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span>50</span></p></td><td style="width:29.3pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:middle"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span>70</span></p></td><td style="width:29.3pt; border-top:0.75pt solid #000000; border-left:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:middle"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span>85</span></p></td></tr><tr><td rowspan="2" style="width:88.2pt; border-top:0.75pt solid #000000; border-right:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:middle"><p style="margin-top:3pt; margin-bottom:3pt; page-break-after:avoid"><span style="font-weight:bold">Other standard residential property</span></p></td><td style="width:24.65pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top"><p style="margin-top:3pt; margin-bottom:3pt"><span style="font-weight:bold">LMI</span></p></td><td rowspan="2" style="width:29.25pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:middle"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span>25</span></p></td><td rowspan="2" style="width:29.3pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:middle"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span>30</span></p></td><td rowspan="2" style="width:29.3pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:middle"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span>40</span></p></td><td rowspan="2" style="width:29.3pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:middle"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span>45</span></p></td><td style="width:29.3pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:middle"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span>50</span></p></td><td style="width:29.3pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:middle"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span>70</span></p></td><td style="width:29.3pt; border-top:0.75pt solid #000000; border-left:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:middle"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span>85</span></p></td></tr><tr><td style="width:24.65pt; border-top:0.75pt solid #000000; border-right:0.75pt solid #000000; border-left:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top"><p style="margin-top:3pt; margin-bottom:3pt"><span style="font-weight:bold">No LMI</span></p></td><td style="width:29.3pt; border-top:0.75pt solid #000000; border-right:0.75pt solid #000000; border-left:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:middle"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span>65</span></p></td><td style="width:29.3pt; border-top:0.75pt solid #000000; border-right:0.75pt solid #000000; border-left:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:middle"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span>85</span></p></td><td style="width:29.3pt; border-top:0.75pt solid #000000; border-left:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:middle"><p style="margin-top:3pt; margin-bottom:3pt; text-align:center"><span>105</span></p></td></tr></tbody></table>