SUMMARY OF FINDINGS

VALUE OF COMMITMENTS TO HOUSEHOLDS AND BUSINESSES
		Seasonally Adjusted
		Value	Month Percent Change	Year Percent Change
		$m	%	%
Total lending		65 017	1.3	-8.3
Lending to households(a)		32 239	3.9	-9.2
	Owner occupier dwellings excluding refinancing	13 253	5.3	-8.3
	Investment dwellings excluding refinancing	4 643	4.7	-20.4
	Personal finance excluding refinancing	4 887	-2.6	-8.9
	Refinancing(b)	9 188	5.4	-4.0
	Alterations and additions	270	-2.7	-9.4
Lending to businesses		32 778	-1.1	-7.4
	Commercial finance	32 189	-1.1	-7.4
	Lease finance	589	-1.0	-9.0
(a) Components may not sum to total due to independent seasonal adjustment
(b) Includes refinancing for owner occupier dwellings, investment dwellings and personal finance

NUMBER OF COMMITMENTS FOR OWNER OCCUPIED DWELLINGS
		Seasonally Adjusted
		Number	Month Percent Change	Year Percent Change
		no.	%	%
Total owner occupied dwellings excluding refinancing		32 427	4.2	-8.7
	Construction of dwellings	5 204	-1.6	-14.6
	Purchase of newly constructed dwellings	2 357	10.7	-9.8
	Purchase of established dwellings	24 866	4.9	-7.2
Owner occupier first home buyers		9 258	1.3	-0.9
Total owner occupied dwellings including refinancing		48 662	5.0	-8.0
	Refinancing	16 236	6.8	-6.6

Owner Occupier Dwellings excluding refinancing, Value of commitments, Seasonally adjusted - Monthly percentage change




Investment Dwellings excluding refinancing, Value of commitments, Seasonally adjusted - Monthly percentage change




Lending to Households, Value of commitments - Seasonally Adjusted and Trend

Owner Occupier First Home Buyers, Number of commitments (000's)