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

Cover letter to requester (PDF 280KB)

10/8/2016

ANZ response to LVR consultation (PDF 2.7MB)

Date

Document

22/10/2013

Index of LVR material published online as at 22 Oct 2013 (PDF 81KB)

31/07/2013

Intended LVR restriction policy (PDF 54KB)

29/07/2013

Revised timeline on LVR restrictions (PDF 30KB)

17/07/2013

Updated Timeline on Loan to Value Restrictions (PDF 39KB)

10/07/2013

Aide Memoire on Loan to Value Restrictions (PDF 61KB)

19/06/2013

Work programme on loan-to-value restrictions (PDF 26KB)

28/05/2013

Slides: Macro-prudential policy (PDF 478KB)

20/05/2013

Operationalisation of LVR restrictions (PDF 153KB)

8/05/2013

Slides: NZ housing market, presentation to Cabinet Economic Growth and Infrastructure Committee (PDF 736KB)

8/05/2013

The New Zealand housing market (PDF 34KB)

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

Slides: Consultation on macro-prudential policy (PDF 656KB)

14/03/2013

Financial disintermediation and macro-prudential policy (PDF 63KB)

11/02/2013

Macro-prudential policy next steps (PDF 36KB)

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

Lessons from housing high-flyers (PDF 118KB)

13/11/2012

Loan-to-value restrictions as a macro-prudential tool (PDF 695KB)