Document ID: chunk:federal_register_of_legislation:F2022L00214:body:0:p11
Version: federal_register_of_legislation:F2022L00214
Segment Type: other
Provision Reference: 
Character Range: 32311–35723

residential property location categories reported for investment housing finance in the corresponding column in item 3.

Item 3.1.2.1                    Of the amount reported in item 3.1.2, report total new borrower-accepted commitments to resident first-home buyers for investment housing loans where foreign-sourced income was used in the ADI's or RFC's serviceability assessment of the application.

    4.             Revolving housing loans to residents

Item 4 collects information on the credit limits for revolving credit facilities for housing finance made available to resident households from reporting period to reporting period.

Borrower-accepted commitments include agreements to increase the credit limit of an existing loan contract (for example, as part of an internal refinance). For a borrower-accepted commitment, the credit limit is the maximum amount of funds that will be made available to the borrower without additional authorisation or approval. This includes outstanding balances (including capitalised interest or fees) and any other funds that can be drawn without additional approval by the lender in this amount.

Reporting basis: report item 4 as at the end of the reporting period or during the reporting period as directed.

Include resident households. Exclude non-resident households.

Include revolving credit facilities. Exclude fixed-term finance.

Report credit limits and credit outstanding in the category in which they sit as at the reporting date.

Column 1   Report the value for owner-occupied housing loans.

Column 2   Report the value for investment housing loans.

Item 4.1                        Report new credit limits committed to and accepted by resident households for revolving credit facilities during the reporting period.

                                Include the value of credit limits for new borrower-accepted commitments for the purpose of internal refinance and external refinance.

                                SBR: submit item 4.1 with accounting type of debit (assets).

Item 4.2                        Report cancellations of and reductions in resident households' previously committed revolving credit limits during the reporting period.

                                Include the value of credit limits cancelled during the reporting period due to an internal refinance or external refinance.

                                Exclude repayments that reduce the used portion of the revolving credit facility, but not the total credit available.

                                SBR: submit item 4.2 with accounting type of credit (negative assets).

Item 4.3                        Report total credit limits available to resident households (including credit outstanding) as at the end of the reporting period.

                                SBR: submit item 4.3 with accounting type of debit (assets).

    5.             Fixed-term housing loans to residents – stocks and flows reconciliation

Item 5 provides a reconciliation of changes in the outstanding balance of fixed-term housing loans to resident households that are held on-balance sheet over the reporting period. It does this by beginning with the previous reporting period's closing balance for loans, and then accounting for the movement over the reporting period by identifying the components due to new drawdowns, interest, repayments and other