$1.3 trillion worth of residential term loans held in Australia

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The total amount of residential term loans held by authorised Australian lenders reached $1.3 trillion at the end of March according to figures recently released by Australian Prudential Regulation Authority (APRA).

The figures, contained in the regulator’s Quarterly Authorised Deposit-taking Institution (ADI) Property Exposures, show that residential term loans rose by $107.1 billion in the 12 months since 31 March 2014, which equates to a 9% increase.

Over that period, the amount of investment loans held by Australian ADIs has risen by $49.8 billion, an increase of 12.4%.

At the end of March investor loans held by ADIs totalled $450.2 billion, or 34.6% of the total loans held.

Owner-occupied loans also had a similar increase over the 12-month period, up by a 7.2% rise of $57.3 billion to $852 billion. 

 The vast majority of residential loans are held by ADIs with greater than $1 billion of residential term loans, with those lenders accounting for 98.4% of all residential loans. 

Those ADIs approved $82.3 billion worth of new loans for this year’s March quarter, a decrease of $10.9 billion (11.7%) on the quarter ending 31 December 2014 and an increase of $8.5 billion (11.5%) on the quarter ending 31 March 2014. 

Of that $82.3 billion, $51.9 billion (63%) were owner-occupied loans and $30.4 billion (37%) were investment loans.


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  • stopusingyoururl says on 02/06/2015 05:13:23 PM

    I cant wait for the economy to show its real hand and people start to realise that they may not afford the cheap money they got fooled into by low interest rates in the first place.

    Its that awful feeling that the arrogance of spending 100k over the real value of houses in sydney region is going to bite hard on the majors and the community.....

    Thats when I'll be coming in and buying; with a big smile on my face and a cheque for 30% discounts on the house price!
    Cant wait, cant wait cant wait!!!!

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