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JANUARY KEY FIGURES

		Dec 2008	Jan 2009	Dec 2008 to Jan 2009
		$m	$m	% change
TREND ESTIMATES
	Housing finance for owner occupation	13 283	13 614	2.5
	Personal finance	6 310	6 346	0.6
	Commercial finance	29 841	29 717	-0.4
	Lease finance	498	488	-2.0
SEASONALLY ADJUSTED ESTIMATES
	Housing finance for owner occupation	13 673	13 989	2.3
	Personal finance	6 402	6 492	1.4
	Commercial finance	29 122	31 029	6.5
	Lease finance	535	443	-17.4

Personal finance

Commercial finance

• The total value of owner occupied housing commitments excluding alterations and additions increased in trend terms (up 2.5%) and the seasonally adjusted series rose 2.3%.

• The trend series for the value of total personal finance increased 0.6%, with increases recorded in revolving credit commitments (up 0.8%) and fixed lending commitments (up 0.2%).
• The seasonally adjusted series for the value of total personal finance commitments increased 1.4%. Revolving credit commitments increased 3.4%, while fixed lending commitments decreased 1.1%.

• The trend series for the value of total commercial finance commitments decreased 0.4%. Fixed lending commitments fell 2.0%, while revolving credit commitments rose 2.3%.
• The seasonally adjusted series for the value of total commercial finance commitments increased 6.5%, due to a rise in revolving credit commitments (up 14.7%). Fixed lending commitments also rose (up 1.2%).

• Lease finance commitments (trend) decreased 2.0% and the seasonally adjusted series fell 17.4%.