PERSONAL AND COMMERCIAL FINANCE
Personal finance commitments, (from Table 8.3) Change from previous month
Personal finance commitments |
|  |
| | Fixed loans for - | Revolving credit facilities | |
| | New motor cars and station wagons | New motor cars and station wagons | Used motor cars and station wagons | Used motor cars and station wagons | House- hold and pers- onal goods | Unse- cured loans for owner occup- ation | Debt con- solid- ation and refin- ancing | Other pers- onal | Total | New and increased credit limits during period | Total credit limits at end of period | Credit used at end of period | |
| Period | no. | $m | no. | $m | $m | $m | $m | $m | $m | $m | $m | $m | |
Annual | |
| |
| 2005-06 | 140 618 | 3 537 | 311 909 | 5 191 | 1 091 | 447 | 10 939 | 12 510 | 33 715 | 41 234 | 2 520 501 | 1 211 255 | |
| 2006-07 | 147 965 | 3 756 | 293 496 | 5 040 | 1 187 | 494 | 12 061 | 14 391 | 36 929 | 42 917 | 2 715 900 | 1 280 624 | |
| 2007-08 | 152 956 | 3 988 | 293 629 | 5 290 | 1 192 | 434 | 12 249 | 14 418 | 37 573 | 44 782 | 3 004 875 | 1 337 747 | |
Percentage change from previous year | |
| |
| 2005-06 | -8.3 | -6.3 | -9.6 | -13.4 | 0.9 | -12.0 | 12.8 | -0.3 | 0.8 | 3.9 | 8.3 | 7.0 | |
| 2006-07 | 6.2 | 5.2 | -2.9 | -5.9 | 8.8 | 10.5 | 10.3 | 15.0 | 9.5 | 4.1 | 7.8 | 5.7 | |
| 2007-08 | 6.2 | 3.4 | 5.0 | 0.0 | 0.4 | -12.2 | 1.6 | 0.2 | 1.7 | 4.3 | 10.6 | 4.5 | |
Monthly | |
| |
| 2007-2008 | | | | | | | | | | | | | |
| November | 13 307 | 346 | 25 720 | 462 | 110 | 42 | 1 148 | 1 384 | 3 491 | 3 818 | 247 203 | 109 527 | |
| December | 12 182 | 321 | 22 031 | 398 | 92 | 34 | 961 | 1 224 | 3 030 | 3 889 | 248 989 | 110 268 | |
| January | 13 426 | 351 | 24 708 | 449 | 101 | 32 | 1 022 | 1 147 | 3 102 | 3 510 | 250 721 | 110 540 | |
| February | 14 054 | 361 | 25 255 | 453 | 110 | 38 | 1 213 | 1 175 | 3 349 | 3 637 | 252 396 | 111 500 | |
| March | 12 204 | 321 | 22 618 | 411 | 98 | 33 | 1 065 | 1 089 | 3 017 | 3 319 | 254 158 | 111 573 | |
| April | 12 419 | 325 | 23 862 | 432 | 103 | 34 | 1 029 | 1 158 | 3 081 | 3 772 | 255 972 | 112 439 | |
| May | 12 476 | 323 | 23 941 | 431 | 89 | 37 | 923 | 1 109 | 2 912 | 3 727 | 257 807 | 113 075 | |
| June | 13 071 | 340 | 22 532 | 409 | 101 | 34 | 1 090 | 1 240 | 3 213 | 4 082 | 259 879 | 115 233 | |
| 2008-2009 | | | | | | | | | | | | | |
| July | 12 259 | 310 | 23 915 | 427 | 96 | 37 | 968 | 1 149 | 2 987 | 4 073 | 260 967 | 115 084 | |
| August | 11 012 | 277 | 22 809 | 402 | 87 | 30 | 828 | 1 012 | 2 637 | 3 199 | 262 513 | 115 345 | |
| September | 11 766 | 300 | 23 880 | 427 | 86 | 35 | 871 | 1 013 | 2 733 | 3 547 | 264 514 | 115 860 | |
| October | 11 916 | 301 | 23 596 | 417 | 103 | 36 | 962 | 978 | 2 796 | 3 733 | 266 009 | 116 668 | |
| November | 9 729 | 242 | 19 277 | 343 | 91 | 31 | 849 | 867 | 2 423 | 3 393 | 266 504 | 117 023 | |
| December | 11 710 | 300 | 20 925 | 386 | 107 | 33 | 1 011 | 970 | 2 807 | 3 741 | 268 025 | 117 247 | |
| January | 11 184 | 274 | 21 015 | 381 | 92 | 27 | 882 | 850 | 2 506 | 3 280 | 269 088 | 116 677 | |
Percentage change from previous month | |
| |
| 2007-2008 | | | | | | | | | | | | | |
| May | 0.5 | -0.6 | 0.3 | -0.2 | -13.6 | 8.5 | -10.3 | -4.2 | -5.5 | -1.2 | 0.7 | 0.6 | |
| June | 4.8 | 5.3 | -5.9 | -5.2 | 13.4 | -8.8 | 18.0 | 11.8 | 10.3 | 9.5 | 0.8 | 1.9 | |
| 2008-2009 | | | | | | | | | | | | | |
| July | -6.2 | -8.8 | 6.1 | 4.5 | -5.7 | 9.8 | -11.1 | -7.3 | -7.0 | -0.2 | 0.4 | -0.1 | |
| August | -10.2 | -10.6 | -4.6 | -5.8 | -8.7 | -18.5 | -14.5 | -12.0 | -11.7 | -21.5 | 0.6 | 0.2 | |
| September | 6.8 | 8.2 | 4.7 | 6.2 | -1.0 | 17.0 | 5.2 | 0.2 | 3.7 | 10.9 | 0.8 | 0.4 | |
| October | 1.3 | 0.3 | -1.2 | -2.5 | 18.9 | 3.1 | 10.4 | -3.5 | 2.3 | 5.2 | 0.6 | 0.7 | |
| November | -18.4 | -19.7 | -18.3 | -17.6 | -11.9 | -14.0 | -11.7 | -11.3 | -13.3 | -9.1 | 0.2 | 0.3 | |
| December | 20.4 | 24.3 | 8.5 | 12.3 | 17.9 | 7.1 | 19.0 | 11.9 | 15.8 | 10.2 | 0.6 | 0.2 | |
| January | -4.5 | -8.8 | 0.4 | -1.2 | -13.9 | -19.5 | -12.7 | -12.4 | -10.7 | -12.3 | 0.4 | -0.5 | |
| |
| Source: Lending Finance, Australia, (cat. no. 5671.0) |
Commercial and lease finance commitments, (from Table 8.4) Change from previous month
Commercial and lease finance commitments |
| |
| | Commercial | Lease | |
| Period | Fixed loan facilities | Revolving credit facilities | Total | Motor vehicles | Other | Total | |
Annual ($ million) | |
| |
| 2005-06 | 243 597 | 126 524 | 370 122 | 3 102 | 3 747 | 6 848 | |
| 2006-07 | 277 536 | 177 637 | 455 173 | 2 940 | 3 385 | 6 325 | |
| 2007-08 | 320 083 | 166 518 | 486 600 | 3 363 | 3 489 | 7 012 | |
Percentage change from previous year | |
| |
| 2005-06 | 22.3 | 14.6 | 19.6 | -0.7 | 17.6 | 8.6 | |
| 2006-07 | 13.9 | 40.4 | 23.0 | -5.2 | -9.7 | -7.6 | |
| 2007-08 | 15.3 | -6.3 | 6.9 | 14.4 | 3.1 | 10.9 | |
Original ($ million) | |
| |
| 2007-2008 | | | | | | | |
| November | 30 098 | 19 452 | 49 551 | 304 | 337 | 640 | |
| December | 33 195 | 15 108 | 48 303 | 267 | 318 | 585 | |
| January | 27 820 | 12 643 | 40 463 | 238 | 277 | 515 | |
| February | 27 729 | 13 754 | 41 483 | 272 | 290 | 562 | |
| March | 20 302 | 11 901 | 32 203 | 259 | 287 | 546 | |
| April | 19 471 | 9 380 | 28 851 | 316 | 241 | 558 | |
| May | 23 305 | 11 214 | 34 520 | 306 | 260 | 566 | |
| June | 25 791 | 13 595 | 39 386 | 315 | 278 | 754 | |
| 2008-2009 | | | | | | | |
| July | 21 797 | 12 080 | 33 877 | 319 | 261 | 579 | |
| August | 17 682 | 11 597 | 29 279 | 267 | 258 | 525 | |
| September | 20 496 | 10 763 | 31 258 | 272 | 235 | 507 | |
| October | 23 325 | 11 335 | 34 660 | 283 | 200 | 554 | |
| November | 19 414 | 8 132 | 27 546 | 251 | 218 | 468 | |
| December | 20 627 | 12 933 | 33 560 | 280 | 324 | 604 | |
| January | 13 945 | 11 884 | 25 829 | 182 | 179 | 361 | |
Percentage change from previous month | |
| |
| 2007-2008 | | | | | | | |
| May | 19.7 | 19.6 | 19.6 | -3.3 | 7.6 | 1.4 | |
| June | 10.7 | 21.2 | 14.1 | 3.2 | 6.8 | 33.3 | |
| 2008-2009 | | | | | | | |
| July | -15.5 | -11.1 | -14.0 | 1.0 | -6.0 | -23.2 | |
| August | -18.9 | -4.0 | -13.6 | -16.2 | -0.9 | -9.3 | |
| September | 15.9 | -7.2 | 6.8 | 1.8 | -9.1 | -3.5 | |
| October | 13.8 | 5.3 | 10.9 | 4.2 | -14.7 | 9.2 | |
| November | -16.8 | -28.3 | -20.5 | -11.5 | 8.6 | -15.4 | |
| December | 6.2 | 59.0 | 21.8 | 11.6 | 48.8 | 28.9 | |
| January | -32.4 | -8.1 | -23.0 | -35.0 | -44.8 | -40.3 | |
| |
| Source: Lending Finance, Australia, (cat. no. 5671.0) |
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