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Reserve Bank to loosen mortgage lending rules
Loan-to-Value (LVR) changes on mortgage lending to be eased.
AI summary
The Reserve Bank is easing Loan-to-Value Ratio (LVR) restrictions from 1 December, giving banks more flexibility for low-deposit lending.
For owner-occupiers, the share of new lending with an LVR above 80% will increase from 20% to 25%. For property investors, the allowance for loans with an LVR above 70% will rise to 10%.
Debt-to-income (DTI) restrictions remain unchanged. The move aims to improve credit access without significantly impacting house prices in the current stable market.
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