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JANUARY KEY FIGURES

		Dec 2012	Jan 2013	Dec 2012 to Jan 2013
		$m	$m	% change
TREND ESTIMATES
	Housing finance for owner occupation(a)	13 783	13 779	0.0
	Personal finance	7 467	7 496	0.4
	Commercial finance	30 325	30 396	0.2
	Lease finance	508	496	-2.3
SEASONALLY ADJUSTED ESTIMATES
	Housing finance for owner occupation(a)	13 586	13 764	1.3
	Personal finance	7 511	7 501	-0.1
	Commercial finance	31 752	28 994	-8.7
	Lease finance	452	515	14.0
(a) Excludes alterations and additions

Personal Finance

Commercial Finance

• The total value of owner occupied housing commitments excluding alterations and additions remained flat in trend terms, while the seasonally adjusted series rose 1.3%.

• The trend series for the value of total personal finance commitments rose 0.4%. Revolving credit commitments rose 0.5% and fixed lending commitments rose 0.3%.
• The seasonally adjusted series for the value of total personal finance commitments fell 0.1%. Fixed lending commitments fell 0.3%, while revolving credit commitments rose 0.1%.

• The trend series for the value of total commercial finance commitments rose 0.2%. Fixed lending commitments rose 0.3%, while revolving credit commitments was flat.
• The seasonally adjusted series for the value of total commercial finance commitments fell 8.7% in January 2013, after a rise of 9.0% in December 2012. Revolving credit commitments fell 18.0%, after a rise of 9.5% in the previous month. Fixed lending commitments fell 4.9%, after a rise of 8.8% in the previous month.

• The trend series for the value of total lease finance commitments fell 2.3%, while the seasonally adjusted series rose 14.0%, after a fall of 15.2% in December 2012.

• Owner occupied housing values for the period of October 2012 to December 2012
• Personal finance values for December 2012
• Commercial finance values for the period of November 2012 to December 2012