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Financial Sector (Collection of Data) (reporting standard) determination No. 32 of 2016 - Reporting standard RRS 392.0 - Housing Finance
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Turn the raw legal text into a practical explanation grounded in Financial Sector (Collection of Data) (reporting standard) determination No. 32 of 2016 - Reporting standard RRS 392.0 - Housing Finance.
The appropriate classification of commitments for investment housing is dependent on the nature of the borrower and the purpose of the loan.
Reporting instructions
Commitments to individuals for loans for housing investment purposes should be recorded on RRF 394.0 in the item "Loans for personal investment purposes - Dwellings for rent/resale".
Where the borrower is a company or the primary business of the borrower is housing investment, then the commitment should be recorded on RRF 391.0 as "Construction Finance - Erection of dwellings for rental/resale" or "Finance for the purchase of land and buildings - Dwellings for rental/resale" (where appropriate).
Commitments to refinance personal loans for housing investment purposes should be recorded in the item "Loans for personal investment purposes - Dwellings for rent/resale" on RRF 394.0. Likewise, refinancing of loans for other personal investment purposes should be reported in the item "Other - include ...shares and other investment assets" on RRF 394.0. Note that the refinancing of other (non investment) personal loans should be reported in the item "Refinancing" on RRF 394.0. Commitments to refinance personal loans where your institution was the original lender should be included.