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JULY KEY FIGURES

		Jun 2008	Jul 2008	Jun 2008 to Jul 2008
		$m	$m	% change
TREND ESTIMATES
	Housing finance for owner occupation	12 531	12 202	-2.6
	Personal finance	6 540	6 504	-0.5
	Commercial finance	32 357	30 862	-4.6
	Lease finance	572	567	-0.9
SEASONALLY ADJUSTED ESTIMATES
	Housing finance for owner occupation	12 485	12 474	-0.1
	Personal finance	6 681	6 648	-0.5
	Commercial finance	33 117	32 536	-1.8
	Lease finance	596	563	-5.6

Personal finance

Commercial finance

• The total value of owner occupied housing commitments excluding alterations and additions decreased both in trend terms (down 2.6%) and seasonally adjusted (down 0.1%).

• The trend series for the value of total personal finance fell 0.5%, due to a fall in fixed lending commitments (down 2.0%), while revolving credit commitments rose 0.6%.
• The seasonally adjusted series for the value of total personal finance commitments fell 0.5%, due to a fall in fixed lending commitments (down 3.7%), while revolving credit commitments rose 2.1%.

• The trend series for the value of total commercial finance commitments fell 4.6%. This was due to a fall in both fixed lending commitments (down 5.0%) and revolving credit commitments (down 4.0%).
• The seasonally adjusted series for the value of total commercial finance commitments fell 1.8%. This decrease was due to a fall in fixed lending commitments (down 3.2%), while revolving credit commitments rose 1.1%.

• Lease finance commitments (trend) fell by 0.9%, while the seasonally adjusted series fell by 5.6%.