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JANUARY KEY FIGURES

		Dec 2007	Jan 2008	Dec 2007 to Jan 2008
		$m	$m	% change
TREND ESTIMATES
	Housing finance for owner occupation	15 654	15 775	0.8
	Personal finance	7 129	7 273	2.0
	Commercial finance	46 333	47 838	3.2
	Lease finance	615	620	0.9
SEASONALLY ADJUSTED ESTIMATES
	Housing finance for owner occupation	15 658	15 928	1.7
	Personal finance	7 277	7 281	0.1
	Commercial finance	44 571	51 007	14.4
	Lease finance	584	627	7.3

Personal finance

Commercial finance

• The total value of owner occupied housing commitments excluding alterations and additions increased 0.8% (trend) and the seasonally adjusted series rose 1.7%.

• The trend series for the value of total personal finance rose 2.0%, due to a rise in both revolving credit commitments (up 2.1%) and fixed lending commitments (up 1.9%).
• The seasonally adjusted series for the value of total personal finance commitments rose slightly (up 0.1%). This was due to a rise in fixed lending commitments (up 3.1%), which was substantially offset by a fall in revolving credit commitments (down 2.3%).

• The trend series for the value of total commercial finance commitments rose 3.2%. This was due to a rise in both fixed lending commitments (up 4.6%) and revolving credit commitments (up 0.6%).
• The seasonally adjusted series for the value of total commercial finance commitments rose 14.4%. This increase was due to a rise in both revolving credit commitments (up 20.2%) and fixed lending commitments (up 12.0%).

• Lease finance commitments (trend) increased by 0.9%. The lease finance seasonally adjusted series rose by 7.3%.