mortgage regulation
Response to submissions: Capital treatment of mortgages under the First Home Loan Deposit Scheme
… home buyers through a Government guarantee of eligible mortgage loans for up to 15 per cent of the property purchase … Capital treatment APRA proposed adjusting the residential mortgage capital requirements detailed in Prudential Standard … contact APRA on 1300 558 849 . The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Consultation on the capital treatment of mortgages under the First Home Loan Deposit Scheme
… home buyers, through a Government guarantee of eligible mortgage loans for up to 15 per cent of the property purchase … effect to this lower capital requirement by adjusting the mortgage capital requirements set out in Prudential Standard … Policy and Advice Division Australian Prudential Regulation Authority Yours sincerely, John Lonsdale Deputy …
Strengthening residential mortgage lending assessments
… Home Search Content Letters Strengthening residential mortgage lending assessments Wednesday 6 October 2021 Print Email Letter to ADIs: Strengthening residential mortgage lending assessments PDF 537.83 KB Published 6 October 2021 The current environment for residential mortgage lending is underscored by very low interest rates …
Response to submissions - Changes to quarterly authorised deposit-taking institution property exposures (QPEX)
… incorporate more detailed aggregated data on residential mortgage lending than in previous publications. APRA will now source residential mortgage lending data from Australian Reporting Form ARF … information under section 56 of the Australian Prudential Regulation Authority Act 1998 (APRA Act). APRA currently …
Scrutiny of securitisation practices
… KB Published 7 December 2020 The Australian Prudential Regulation Authority (APRA) has recently identified that some … deposit-taking institutions (ADIs) repurchased residential mortgage loans that were subject to repayment deferral from …
Letters to authorised deposit-taking institutions in 2017
… Letter: Further measures to reinforce sound residential mortgage lending practices March 2017 PDF 350.22 KB Issued 31 …
Macroprudential policy: consultation
… attachment to APS 220 focus on risks in residential mortgage lending and commercial property lending; together, … guidance in Prudential Practice Guide APG 223 Residential Mortgage Lending. Once the proposed attachment to APS 220 … ratios, under Reporting Standard ARS 223 Residential Mortgage Lending. APRA’s proposed amendments to ARS 223 can …
Macroprudential Policy credit measures
… reporting. 4 Under Reporting Standard ARS 223 Residential Mortgage Lending, DTI is defined as the ratio of the credit … . Include the credit limit of any debts, such as other mortgage lending, personal loans, credit-cards, consumer … has updated Prudential Practice Guide APG 223 Residential Mortgage Lending to align with new requirements for a prudent …
Contingent liquidity: final guidance
… KB Published 18 November 2021 The Australian Prudential Regulation Authority (APRA) is today releasing its final …
Letters to authorised deposit-taking institutions in 2010-2015
… 18 February 2015 Letter: Reinforcing sound residential mortgage lending practices PDF 152.77 KB Issued 9 December … APRA releases draft prudential guide on residential mortgage lending PDF 121.76 KB Issued 26 May 2014 Letter: …
Proposed changes to quarterly ADI statistical publications
… period, including Reporting Standard ARS 223.0 Residential Mortgage Lending and Reporting Standard ARS 230.0 Commercial …
Consultation on revisions to the new Prudential Standard APS 220 Credit Risk Management
… APRA may also consult on amendments to APG 223 Residential Mortgage Lending (APG 223) around this time, depending on the … Policy and Advice Division Australian Prudential Regulation Authority Yours sincerely, John Lonsdale … be protected by section 56 of the Australian Prudential Regulation Authority Act 1998 and will therefore be exempt …
Revisions to the ADI capital framework: Interim reporting standards for consultation and parallel run expectations
… (ARS 221.0); and Reporting Standard ARS 223.0 Residential Mortgage Lending (ARS 223.0). APRA has updated … Complete May use unapproved models and proxies Yes (Except mortgage LGD) No No May use test systems Yes Yes No … Data Analytics and Insights Australian Prudential Regulation Authority Yours sincerely, Alison Bliss General …
Consultation on zero and negative interest rates
… 478.17 KB Published 12 July 2021 The Australian Prudential Regulation Authority (APRA) is today releasing for …
Consultation on proposed changes to due dates of quarterly reporting for ADIs
… deposit-taking institutions The Australian Prudential Regulation Authority (APRA) has today commenced consultation … – Banks 15 BD – CUBS and other ADIs ARF 223.0 Residential Mortgage Lending Residential mortgage lending 28 CD ARF 226.0 Margining and risk …
Operational preparedness for zero and negative interest rates
… KB Published 28 October 2021 The Australian Prudential Regulation Authority (APRA) is today releasing its final …
Credit risk reporting – Response to submissons
… KB Published 10 August 2022 The Australian Prudential Regulation Authority (APRA) has released a response to … (ARS 221.0); and Reporting Standard ARS 223.0 Residential Mortgage Lending (ARS 223.0). Background On 7 April APRA …
Consultation on the confidentiality of data used in ADI quarterly publications and additional historical data
… of these statistics: Reporting Form ARF 223.0 Residential Mortgage Lending Reporting Form ARF 230.0 Commercial Property … information under section 56 of the Australian Prudential Regulation Authority Act 1998 (APRA Act). APRA may only … property exposures statistics (QPEX) ARF 223 Residential Mortgage Lending (Level 1 or Level 2) ARF 230.0 Commercial …
Findings from CPS 511 pre-implementation review
… by fraudulent documentation provided by a particular mortgage broker. A close personal relationship existed between the banker and mortgage broker, and documented processes and controls …