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Info Release: Advice on LVR restrictions

Information Release: Advice on loan-to-value ratio (LVR) restrictions

The Reserve Bank has released information relating to loan-to-value ratio (LVR) restrictions, in response to multiple 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)(d) - to avoid prejudice to the substantial economic interests of New Zealand

• Section 9(2)(g)(i) - to maintain the effective conduct of public affairs through the free and frank expression of opinions

• 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 http://www.treasury.govt.nz/publications/informationreleases/financialsector/lvr

13/11/2012Loan-to-value restrictions as a macro-prudential tool (PDF 695KB)
11/12/2012Lessons from housing high-flyers (PDF 118KB)
21/12/2012Consultation process around macro-prudential policy (PDF 41KB)
18/01/2013Public consultation on the macro-prudential policy framework (PDF 38KB)
18/01/2013Cross-country evidence on the use of LVR restrictions (PDF 149KB)
23/01/2013A preliminary framework for the operation of macro-prudential policy (PDF 1.7 MB)
11/02/2013Macro-prudential policy next steps (PDF 36KB)
14/03/2013Financial disintermediation and macro-prudential policy (PDF 63KB)
18/03/2013Slides: Consultation on macro-prudential policy (PDF 656KB)
26/04/2013Macro-Prudential Policy and Consultation Results (PDF 126KB)
26/04/2013Slides: Macro-Prudential Policy and Consultation Results (PDF 652KB)
8/05/2013The New Zealand housing market (PDF 34KB)
8/05/2013Slides: NZ housing market, presentation to Cabinet Economic Growth and Infrastructure Committee (PDF 736KB)
20/05/2013Operationalisation of LVR restrictions (PDF 153KB)
28/05/2013Slides: Macro-prudential policy (PDF 478KB)
19/06/2013Work programme on loan-to-value restrictions (PDF 26KB)
10/07/2013Aide Memoire on Loan to Value Restrictions (PDF 61KB)
17/07/2013Updated Timeline on Loan to Value Restrictions (PDF 39KB)
29/07/2013Revised timeline on LVR restrictions (PDF 30KB)
31/07/2013Intended LVR restriction policy (PDF 54KB)
22/10/2013Index of LVR material published online as at 22 Oct 2013 (PDF 81KB)


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