Document ID: chunk:federal_register_of_legislation:F2022L00214:body:0:p15
Version: federal_register_of_legislation:F2022L00214
Segment Type: other
Provision Reference: 
Character Range: 44904–47956

the balances in offset accounts attached to housing loans, on available redraw balances and on any other accumulated excess repayments that can be used to meet future scheduled repayments on housing loans.

Reporting basis: report item 6 as at the end of the reporting period.

Include resident households. Exclude non-resident households.

Include fixed-term loans. Exclude revolving credit loans.

Report outstanding loans according to the property purpose category in which they sit as at the reporting date.

Exclude loans (and any linked offset accounts or redraw facilities) that are 90 days or more  past-due or non-performing as at the end of the reporting period.

Column 1   Report the number of facilities or the value of balances associated with owner-occupied housing loans as directed.

Column 2   Report the number of facilities or the value of balances associated with investment housing loans as directed.

Item 6.1                        Report the gross balance in all deposit accounts that are offset against the balance of an outstanding housing loan when calculating the interest owing (value of offset accounts).

                                SBR: submit item 6.1 with accounting type of credit (liability).

Item 6.2                        Report the number of housing loan facilities outstanding as at the end of the reporting period with an offset account attached to them (regardless of whether there is a positive value in the offset account).

                                In the case of loans with a mix of interest rate or repayment types, report each facility once; do not report individual facilities with more than one interest rate type or repayment type as multiple facilities.

Item 6.3                        Report the total value of accumulated excess (advance) repayments in redraw facilities as at the end of the reporting period that are accessible to households at a later date. This item represents the maximum amount of redraw balances that could be drawn down without bringing the balance of the loan account above that specified in the loan schedule.

                                SBR: submit item 6.3 with accounting type credit (negative asset).

Item 6.4                        Report the number of housing loan facilities outstanding as at the end of the reporting period with a redraw facility attached to them (regardless of whether there are any available funds in the redraw facility).

                                In the case of loans with a mix of interest rates or repayment types, report each facility once; do not report individual facilities with more than one interest rate type or repayment type as multiple facilities.

Item 6.5                        Report the total value of accumulated excess (advance) repayments not in redraw facilities as at the end of the reporting period that are accessible to households at a later date to meet future scheduled repayments. This item represents the maximum amount that could be drawn down without bringing the balance of