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Education

Explainers

Learn about monetary policy, the New Zealand financial system, the economy and other topics with these simple graphics and videos.

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Latest explainers

Debt-to-income (DTI) restrictions explained

We are setting new debt-to-income (DTI) rules for banks on home lending. Banks will need to follow the rules from 1 July 2024, for home lending they make from that date onwards.

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Debt-to-income (DTI) restrictions explained

Depositor Compensation Scheme explained

The Depositor Compensation Scheme (DCS) will protect your money if a bank, building society, credit union or finance company fails.

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Depositor Compensation Scheme explained

Loan-to-value restrictions explained

Restrictions on loan-to-value ratios (LVRs) are limits on banks to reduce the amount of low-deposit mortgage lending. Prudent lending standards are important for the long-term health of the banking system and the economy.

The financial system explained

New Zealand has a sophisticated financial system involving many layers and players. We regulate the institutions depicted directly under the magnifying glass in this financial system graphic.

The Financial Stability Report explained

Our Financial Stability Report reports on the soundness and efficiency of New Zealand's financial system.

Economic projections explained

Each quarterly Monetary Policy Statement, we release includes our projections (or forecasts) for the future. These forecasts paint a picture of where our economists think New Zealand's economy, labour market, inflation and interest rates are heading over the next few years.