Loan-to-value ratio (LVR) restrictions
This is information relating to loan-to-value ratio (LVR) restrictions that has been released proactively and in response to requests for information under the Official Information Act 1982 (the Act). Some information has been withheld from these documents. Where this has occurred, the specific section of the Act permitting the Reserve Bank to withhold information is noted in the document. Information has been withheld under the following provisions of the Act:
- Section 9(2)(a) - to protect privacy
- Section 9(2)(ba)(i) - to protect confidential information where the making of the information available would be likely to prejudice the supply of similar information in future
- Section 9(2)(ba)(ii) - to protect confidential information where the making of the information available would be likely to otherwise damage the public interest
- Section 9(2)(d) - to avoid prejudice to the substantial economic interests of New Zealand
- Section 9(2)(f)(iv) - to maintain the confidentiality of advice tendered by Ministers of the Crown and officials
- Section 9(2)(g)(i) - to maintain the effective conduct of public affairs through the free and frank expression of opinions
- Section 9(2)(k) - to prevent the disclosure or use of official information for improper gain or improper advantage
- Section 9(2)(h) - to maintain professional legal privilege
- Section 18(c)(i) - release would contravene provisions of other legislation, specifically section 105 of the Reserve Bank of New Zealand Act 1987.
Other relevant information, including joint papers prepared by the Reserve Bank and Treasury for the Minister of Finance and Cabinet, have been released by the Treasury and are available on the Treasury's website.
Date |
Released on 20 February 2017 |
20/2/2017 |
|
10/8/2016 |
Date |
Released on 5 September 2016 |
5/9/2016 |
M Reddell OIA- LVR submissions - response letter (PDF 950KB) |
10/8/2016 | Anon1 (PDF 144KB) |
10/8/2016 | Anon2 (PDF 439KB) |
8/8/2016 | Anon3 (PDF 138KB) |
28/7/2016 | Anon4 (PDF 33KB) |
16/8/2016 | Blomkamp Cox (PDF 136KB) |
19/7/2016 | Bluekiwi (PDF 39KB) |
1/8/2016 | Brydon (PDF 31KB) |
25/7/2016 | Burson (PDF 233KB) |
20/7/2016 | Coe (PDF 89KB) |
8/8/2016 | Creating Communities (PDF 309KB) |
10/8/2016 | HomeLoan Shop (PDF 94KB) |
21/7/2016 | Jennian (PDF 85KB) |
3/8/2016 | Knowles (PDF 273KB) |
10/8/2016 | Master Builders Assn (PDF 483KB) |
19/7/2016 | NewBuild (PDF 83KB) |
10/8/2016 | NZBA (PDF 390KB) |
10/8/2016 | NZPIF (PDF 75KB) |
2/8/2016 | Property Council (PDF 474KB) |
9/8/2016 | Rawa (PDF 305KB) |
8/8/2016 | Reddell (PDF 346KB) |
10/8/2016 | REINZ (PDF 214KB) |
8/8/2016 | Results Mentoring (PDF 631KB) |
29/7/2016 | Rothbury (PDF 62KB) |
31/7/2016 | Singh (PDF 34KB) |
8/8/2016 | Southside (PDF 1.3MB) |
22/7/2016 | Swarbrick (PDF 307KB) |
10/8/2016 | Talk Property (PDF 986KB) |
20/7/2016 | Taylor (PDF 25KB) |
22/7/2016 | TripleA (PDF 32KB) |
Date |
Released on 11 August 2016 |
11/8/2016 |
|
13/6/2016 |
LVR effectiveness and housing market developments (PDF 496KB) |
8/4/2016 |
|
17/2/2016 |
Memo to MFC - Effectiveness of a tighter investor LVR limit (PDF 180KB) |
29/1/2016 |
Date |
Released on 16 September 2015 |
16/9/2015 |
Cover letter to Jenny Ruth, National Business Review (PDF 470KB) |
3/6/2015 |
|
5/6/2015 |
|
28/6/2015 |
Real Estate Institute of NZ submission on LVR changes (PDF 887KB) |
10/7/2015 |
|
13/7/2015 |
NZ Bankers' Association 1st submission on LVR changes (PDF 440KB) |
24/7/2015 |
NZ Bankers' Association 2nd submission on LVR changes (PDF 430KB) |
Undated |
Date |
Released on 2 April 2014 |
12/2/2014 |
Memo on LVR effectiveness monitoring February 2014 (PDF 938KB) |
10/12/2013 |
Memo on LVR exemption questions (for supervisors) (PDF 364KB) |
9/12/2013 |
|
6/12/2013 |
Memo on LVR exemption questions (for internal use) (PDF 656KB) |
4/12/2013 |
|
2/12/2013 |
|
22/11/2013 |
|
11/11/2013 |
|
24/10/2013 |
|
11/10/2013 |
|
29/8/2013 |
|
21/8/2013 |
|
16/8/2013 |
|
15/8/2013 |
|
1/8/2013 |
|
Mar – Nov 2013 |
Date |
Document |
22/10/2013 |
Index of LVR material published online as at 22 Oct 2013 (PDF 81KB) |
31/07/2013 |
|
29/07/2013 |
|
17/07/2013 |
|
10/07/2013 |
|
19/06/2013 |
|
28/05/2013 |
|
20/05/2013 |
|
8/05/2013 |
|
8/05/2013 |
|
26/04/2013 |
Slides: Macro-Prudential Policy and Consultation Results (PDF 652KB) |
26/04/2013 |
Macro-Prudential Policy and Consultation Results (PDF 126KB) |
18/03/2013 |
|
14/03/2013 |
Financial disintermediation and macro-prudential policy (PDF 63KB) |
11/02/2013 |
|
23/01/2013 |
A preliminary framework for the operation of macro-prudential policy (PDF 1.7 MB) |
18/01/2013 |
Cross-country evidence on the use of LVR restrictions (PDF 149KB) |
18/01/2013 |
Public consultation on the macro-prudential policy framework (PDF 38KB) |
21/12/2012 |
Consultation process around macro-prudential policy (PDF 41KB) |
11/12/2012 |
|
13/11/2012 |
Loan-to-value restrictions as a macro-prudential tool (PDF 695KB) |