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OCTOBER KEY FIGURES

		Sep 2008	Oct 2008	Sep 2008 to Oct 2008
		$m	$m	% change
TREND ESTIMATES
	Housing finance for owner occupation	12 063	12 029	-0.3
	Personal finance	6 345	6 289	-0.9
	Commercial finance	31 459	31 597	0.4
	Lease finance	534	527	-1.5
SEASONALLY ADJUSTED ESTIMATES
	Housing finance for owner occupation	11 969	12 262	2.4
	Personal finance	6 392	6 255	-2.1
	Commercial finance	33 033	32 032	-3.0
	Lease finance	516	535	3.7

Personal finance

Commercial finance

• The total value of owner occupied housing commitments excluding alterations and additions decreased in trend terms (down 0.3%), while the seasonally adjusted series rose (up 2.4%).

• The trend series for the value of total personal finance decreased 0.9%, due to falls in both revolving credit commitments (down 1.1%) and fixed lending commitments (down 0.6%).
• The seasonally adjusted series for the value of total personal finance commitments decreased 2.1%, due to falls in both revolving credit commitments (down 3.1%) and fixed lending commitments (down 0.9%).

• The trend series for the value of total commercial finance commitments increased 0.4%. This was due to rises in both revolving credit commitments (up 0.6%) and fixed lending commitments (up 0.3%).
• The seasonally adjusted series for the value of total commercial finance commitments decreased 3.0%. This was due to falls in both revolving credit commitments (down 5.3%) and fixed lending commitments (down 1.8%).

• Lease finance commitments (trend) decreased 1.5%, while the seasonally adjusted series increased 3.7%.