Financial Sector (Collection of Data) (reporting standard) determination No. 37 of 2021
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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.
ARF_744_0A: ABS/RBA Housing Credit Stocks, Flows and Interest Rates (Standard)
Australian Business Number
Institution Name
Reporting Period
Scale Factor
Monthly
Reporting Consolidation
Domestic
Housing loans outstanding
Number of facilities
Value (net of offset balances)
Interest rate (net of offset balances)
Value
Interest rate
Cost of funds
Margin
(1)
(2)
(3)
(4)
(5)
(6)
(7)
1.1. Total owner-occupied housing credit outstanding to residents
1.1.1. of which: Revolving credit
1.1.2. By interest rate type
1.1.2.1. Fixed interest rate
1.1.2.2. Variable interest rate
1.1.3. By repayment type
1.1.3.1. Interest-only
1.1.3.2. Amortising
Section 18 - Financial Sector (Collection of Data) (reporting standard) determination No. 37 of 2021 | Zoe
1.2. Total investment housing credit outstanding to residents
1.2.1. of which: Revolving credit
1.2.2. By interest rate type
1.2.2.1. Fixed interest rate
1.2.2.2. Variable interest rate
1.2.3. By repayment type
1.2.3.1. Interest-only
1.2.3.2. Amortising
1.3. Total housing credit outstanding to non-residents
ABS/RBA Housing Credit Stocks, Flows and Interest Rates (Standard)
Instructions
These 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.
Information 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.
Reporting level
ARF 744.0A must be completed by each ADI and RFC to which this Reporting Standard applies under paragraphs 4 or 5.
Reporting basis and unit of measurement
These instructions specify the reporting basis and unit of measurement that applies to each item.
For reporting purposes, unless specified otherwise, enter data as a positive number.
Counterparties
For the purposes of this form, report only finance to households for housing purposes.
For the purposes of this form, households may exist in either the resident or non-resident sectors.
Positions with resident and non-resident households are collected separately.
Types of finance
For the purposes of this form, finance includes loans.
When reporting information on the stock of outstanding finance (e.g. credit outstanding), only include finance that is held on-balance sheet, unless otherwise directed.
Reporting by purpose
Classify 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).
Credit outstanding & credit outstanding, net of offset account balances
Report 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.
Treatment of facilities
Where there is a finance facility with a mix of interest rate or repayment types, follow the instructions below unless otherwise directed.
When 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.
When reporting the value of finance, apportion across the relevant interest rate type and/or repayment type dimensions.
When reporting the weighted average interest rate, weight each interest rate by its corresponding balance outstanding.
Values
Unless otherwise specifically stated, information reported on this form must comply with Australian Accounting Standards.
Report 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).
Report values on ARF 744.0A as whole dollars.
Numbers
Report numbers on ARF 744.0A unscaled, as whole numbers for ADIs and RFCs.
Averages
Report averages on ARF 744.0A unscaled, as numbers to two decimal places.
Interest rates
ADIs 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.
Refer to the interest rates definition for further guidance (ARS 701.0).
Cost of funds and margin
Report cost of funds and margin items as an annualised percentage rate to two decimal places.
Standard Business Reporting (SBR)
Report 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.
Specific instructions – ARF 744.0A
Terms highlighted in bold italics are defined in ARS 701.0.
All derived fields in the form are shaded in grey are explained in words as a mathematical expression in these instructions.
Examples included under ‘Include’ and ‘Exclude’ must not be taken as an exhaustive list of items to be included or excluded.
Housing loans outstanding
Item 1 collects information on the stock of credit outstanding to households for housing by property purpose, type of interest rate and repayment type.
Reporting basis: report item 1 as at the end of the reporting period.
Report loans to non-residents in item 1.3 only.
Exclude facilities with a nil credit outstanding balance.
Column 1
Report the number of housing loan facilities with credit outstanding.
Column 2
Report the value of credit outstanding, net of offset account balances for housing loans.
Column 3
Report the weighted average interest rate on credit outstanding, net of offset accounts for housing loans.
Column 4
Report the value of credit outstanding for housing loans.
Column 5
Report the weighted average interest rate on credit outstanding for housing loans.
Column 6
Report the cost of funds for housing loans with credit outstanding.
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.
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.
Item 1.1.1
Of the amount reported in item 1.1, report revolving credit facilities.
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.
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.
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.
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.
Item 1.1.3.1
Report owner-occupied housing loans to residents for interest-only loans.
Item 1.1.3.2
Report owner-occupied housing loans to residents for amortising loans.
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.
Item 1.2.1
Of the amount reported in item 1.2, report revolving credit facilities.
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.
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.
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.
Item 1.2.3
Report investor housing loans according to their repayment type in items 1.2.3.1 and 1.2.3.2.
Item 1.2.3.1
Report investor housing loans to residents for interest-only loans.
Item 1.2.3.2
Report investor housing loans to residents for amortising loans.
Item 1.3
Report housing loans to non-residents.
Housing loans funded in the month
Item 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.
Reporting basis: report item 2 during the reporting period or as at the end of the reporting period as directed.
Report loans to non-residents in item 2.2 only.
For 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).
Column 1
Report the number of owner-occupied housing loan facilities that were funded during the reporting period.
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.
Column 3
Report the weighted average interest rate as at the end of the reporting period on owner-occupied housing loans that were funded.
Column 4
Report the cost of funds as at the end of the reporting period for owner-occupied housing loans that were funded.
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.
Column 6
Report the number of investment housing loan facilities that were funded.
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.
Column 8
Report the weighted average interest rate as at the end of the reporting period on investment housing loans that were funded.
Column 9
Report the cost of funds as at the end of the reporting period for investment housing loans that were funded.
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.
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.
Item 2.1.1
Of the amount reported in item 2.1, report revolving credit facilities.
Item 2.1.2
Of the amount reported in item 2.1, report finance for the construction of new dwellings.
Item 2.1.3
Report housing loans to residents by interest rate type for items 2.1.3.1 and 2.1.3.2.
Item 2.1.3.1
Report housing loans to residents with a fixed interest rate.
Item 2.1.3.1.1
Of the amount reported in item 2.1.3.1, report housing loans to first-home buyers.
Item 2.1.3.2
Report housing loans to residents with a variable interest rate.
Item 2.1.3.2.1
Of the amount reported in item 2.1.3.2, report housing loans to first-home buyers.
Item 2.1.4
Report housing loans to residents by repayment type for items 2.1.4.1 and 2.1.4.2.
Item 2.1.4.1
Report housing loans to residents for interest-only loans.
Item 2.1.4.2
Report housing loans to residents for amortising loans.
Item 2.2
Report housing loans to non-residents.
Housing loans to residents funded in month – by size
Item 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.
Reporting basis: report item 3 during the reporting period or as at the end of the reporting period as directed.
Exclude finance to non-residents from item 3.
Calculate 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.
Include the entire value of the commitment in the reporting period in which it is funded, not just the amount drawn in that reporting period.
In the event of an internal refinance, report the new value at commitment using the entire new loan balance.
If 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.
Column 1
Report according to the property purpose (see item 3 for further details).
Column 2
Report according to the loan value at commitment (see item 3 for further details).
Column 3
Report the number of housing loan facilities funded in the reporting period.
Column 4
Report the value of housing loans funded in the reporting period.
Column 5
Report the weighted average interest rate as at the end of the reporting period on housing loans funded in the reporting period.
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.
Housing loans to residents funded in the month – by loan-to-valuation ratio (at commitment)
Item 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.
Reporting basis: report item 4 during the reporting period or as at the end of the reporting period as directed.
Exclude finance to non-residents from item 4.
Report 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.
If the loan (or facility) is for multiple purposes, report the entire loan (facility) value according to the predominant purpose.
Include the entire value of the commitment in the month in which it is funded, not just the amount drawn in that month.
In the event of an internal refinance, report the new value at commitment using the entire new loan balance.
If 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.
Column 1
Report according to the property purpose (see item 4 for further details).
Column 2
Report according to the loan-to-valuation ratio at commitment (see item 4 for further details).
Column 3
Report the number of housing loan facilities funded in the reporting period.
Column 4
Report the value of housing loans funded in the reporting period.
Column 5
Report the weighted average interest rate as at the end of the reporting period on housing loans funded in the reporting period.
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.
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.
Fixed interest rate housing loans to residents – by residual term
Item 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.
Reporting basis: report item 5 as at the end of the reporting period or during the reporting period as directed.
If the loan (or facility) is for multiple purposes, report the entire loan (facility) value according to the predominant purpose.
When 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.
Exclude finance to non-residents from item 5.
For 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).
Column 1
Report according to the property purpose of the loans (see item 5 for further details).
Column 2
Report according to the residual term of the fixed interest rate period of housing loans (see item 5 for further details).
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.
Column 4
Report the value of housing loans with a fixed interest rate that have credit outstanding.
Column 5
Report the weighted average interest rate on housing loans with a fixed interest rate as at the end of the reporting period.
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.
Column 7
Report the total number of housing loan facilities with a fixed interest rate component funded in the month.
Column 8
Report the value of housing loans with a fixed interest rate funded in the month.
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.
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.
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.
ARF_744_0B: ABS/RBA Housing Credit Stocks, Flows and Interest Rates (Reduced)
Australian Business Number
Institution Name
Reporting Period
Scale Factor
Monthly
Reporting Consolidation
Domestic
Housing loans outstanding
Number of facilities
Value (net of offset balances)
Interest rate (net of offset balances)
Value
Interest rate
(1)
(2)
(3)
(4)
(5)
1.1. Total owner-occupied housing credit outstanding to residents
1.1.1. of which: Revolving credit
1.1.2. By interest rate type
1.1.2.1. Fixed interest rate
1.1.2.2. Variable interest rate
1.1.3. By repayment type
1.1.3.1. Interest-only
1.1.3.2. Amortising
1.2. Total investment housing credit outstanding to residents
1.2.1. of which: Revolving credit
1.2.2. By interest rate type
1.2.2.1. Fixed interest rate
1.2.2.2. Variable interest rate
1.2.3. By repayment type
1.2.3.1. Interest-only
1.2.3.2. Amortising
1.3. Total housing credit outstanding to non-residents
ABS/RBA Housing Credit Stocks, Flows and Interest Rates (Reduced)
Instructions
These 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.
Information 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.
Reporting level
ARF 744.0B must be completed by each ADI and RFC to which this Reporting Standard applies under paragraphs 4 or 5.
Reporting basis and unit of measurement
These instructions specify the reporting basis and unit of measurement that applies to each item.
For reporting purposes, unless specified otherwise, enter data as a positive number.
Counterparties
For the purposes of this form, report only finance to households for housing purposes.
For the purposes of this form, households may exist in either the resident or non-resident sectors.
Positions with resident and non-resident households are collected separately.
Types of finance
For the purposes of this form, finance includes loans.
When reporting information on the stock of outstanding finance (e.g. credit outstanding), only include finance that is held on-balance sheet, unless otherwise directed.
Reporting by purpose
Classify 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).
Credit outstanding & credit outstanding, net of offset account balances
Report 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.
Treatment of facilities
Where there is a finance facility with a mix of interest rate or repayment types, follow the instructions below unless otherwise directed.
When 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.
When reporting the value of finance, apportion across the relevant interest rate type and/or repayment type dimensions.
When reporting the weighted average interest rate, weight each interest rate by its corresponding balance outstanding.
Values
Unless otherwise specifically stated, information reported on this form must comply with Australian Accounting Standards.
Report 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.
Report values on ARF 744.0B as whole dollars.
Numbers
Report numbers on ARF 744.0B unscaled, as whole numbers for ADIs and RFCs.
Averages
Report averages on ARF 744.0B unscaled, as numbers to two decimal places.
Interest rates
ADIs 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.
Refer to the interest rates definition for further guidance (ARS 701.0).
Standard Business Reporting (SBR)
Report 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.
Specific instructions
Terms highlighted in bold italics are defined in ARS 701.0.
All derived fields in the form are shaded in grey are explained in words as a mathematical expression in these instructions.
Examples included under ‘Include’ and ‘Exclude’ must not be taken as an exhaustive list of items to be included or excluded.
Housing loans outstanding
Item 1 collects information on the stock of credit outstanding to households for housing by property purpose, type of interest rate and repayment type.
Reporting basis: report item 1 as at the end of the reporting period.
Report loans to non-residents in item 1.3 only.
Exclude facilities with a nil credit outstanding balance.
Column 1
Report the number of housing loan facilities with credit outstanding.
Column 2
Report the value of credit outstanding, net of offset account balances for housing loans.
Column 3
Report the weighted average interest rate on credit outstanding, net of offset accounts for housing loans.
Column 4
Report the value of credit outstanding for housing loans.
Column 5
Report the weighted average interest rate on credit outstanding for housing loans.
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.
Item 1.1.1
Of the amount reported in item 1.1, report revolving credit facilities.
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.
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.
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.
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.
Item 1.1.3.1
Report owner-occupied housing loans to residents for interest-only loans.
Item 1.1.3.2
Report owner-occupied housing loans to residents for amortising loans.
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.
Item 1.2.1
Of the amount reported in item 1.2, report revolving credit facilities.
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.
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.
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.
Item 1.2.3
Report investor housing loans according to their repayment type in items 1.2.3.1 and 1.2.3.2.
Item 1.2.3.1
Report investor housing loans to residents for interest-only loans.
Item 1.2.3.2
Report investor housing loans to residents for amortising loans.
Item 1.3
Report housing loans to non-residents.
Housing loans funded in the month
Item 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.
Reporting basis: report item 2 during the reporting period or as at the end of the reporting period as directed.
Loans to non-residents are only reported in item 2.2.
For 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).
Column 1
Report the number of owner-occupied housing loan facilities that were funded during the reporting period.
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.
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.
Column 4
Report the number of investment housing loan facilities that were funded during the reporting period.
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.
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.
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.
Item 2.1.1
Of the amount reported in item 2.1, report revolving credit facilities.
Item 2.1.2
Of the amount reported in item 2.1, report finance for the construction of new dwellings.
Item 2.1.3
Report housing loans to residents by interest rate type for items 2.1.3.1 and 2.1.3.2.
Item 2.1.3.1
Report housing loans to residents with a fixed interest rate.
Item 2.1.3.1.1
Of the amount reported in item 2.1.3.1, report housing loans to first-home buyers.
Item 2.1.3.2
Report housing loans to residents with a variable interest rate.
Item 2.1.3.2.1
Of the amount reported in item 2.1.3.2, report housing loans to first-home buyers.
Item 2.1.4
Report housing loans to residents by repayment type for items 2.1.4.1 and 2.1.4.2.
Item 2.1.4.1
Report housing loans to residents for interest-only loans.
Item 2.1.4.2
Report housing loans to residents for amortising loans.
Item 2.2
Report housing loans to non-residents.
Housing loans to residents funded in month – by size
Item 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.
Reporting basis: report item 3 during the reporting period or as at the end of the reporting period as directed.
Exclude finance to non-residents from item 3.
Calculate 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.
Include the entire value of the commitment in the reporting period in which it is funded, not just the amount drawn in that reporting period.
In the event of an internal refinance, report the new value at commitment using the entire new loan balance.
If 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.
Column 1
Report according to the property purpose (see item 3 for further details).
Column 2
Report according to the loan value at commitment (see item 3 for further details).
Column 3
Report the number of housing loan facilities funded in the reporting period.
Column 4
Report the value of housing loans funded in the reporting period.
Column 5
Report the weighted average interest rate as at the end of the reporting period on housing loans funded in the reporting period.
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.
Housing loans to residents funded in the month – by loan-to-valuation ratio (at commitment)
Item 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.
Reporting basis: report item 4 during the reporting period or as at the end of the reporting period as directed.
Exclude finance to non-residents from item 4.
Report 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.
If the loan (or facility) is for multiple purposes, report the entire loan (facility) value according to the predominant purpose.
Include the entire value of the commitment in the month in which it is funded, not just the amount drawn in that month.
In the event of an internal refinance, report the new value at commitment using the entire new loan balance.
If 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.
Column 1
Report according to the property purpose (see item 4 for further details).
Column 2
Report according to the loan-to-valuation ratio at commitment (see item 4 for further details).
Column 3
Report the number of housing loan facilities funded in the reporting period.
Column 4
Report the value of housing loans funded in the reporting period.
Column 5
Report the weighted average interest rate as at the end of the reporting period on housing loans funded in the reporting period.
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.
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.
Fixed interest rate housing loans to residents – by residual term
Item 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.
Reporting basis: report item 5 as at the end of the reporting period or during the reporting period as directed.
If the loan (or facility) is for multiple purposes, report the entire loan (facility) value according to the predominant purpose.
When 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.
Finance to non-residents is excluded from item 5.
For 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).
Column 1
Report according to the property purpose of the loans (see item 5 for further details).
Column 2
Report according to the residual term of the fixed interest rate period of housing loans (see item 5 for further details).
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.
Column 4
Report the value of housing loans with a fixed interest rate that have credit outstanding.
Column 5
Report the weighted average interest rate on housing loans with a fixed interest rate as at the end of the reporting period.
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.
Column 7
Report the total number of housing loan facilities with a fixed interest rate component funded in the month.
Column 8
Report the value of housing loans with a fixed interest rate funded in the month.
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.
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.
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.