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According to the latest Australian Bureau of Statistics figures released on 9 July 2020, seasonally adjusted, the value
of new loan commitments for housing fell sharply to 16.42 billion dollars in May, by 11.6 per cent month-on-month,
while up by 1.8% over the previous year. New loan commitments for business construction rose by 1.97 billion dollars,
3.6 per cent up on a monthly basis, while down by 26 per cent over the previous year.
The value of new loan commitments for housing recorded historically largest fall in May, driven by strong fall in New
South Wales and Victoria. The value of new loan commitments for owner occupier housing fell 10.2 per cent, while
investor housing fell 15.6 per cent. The number of owner occupier first home buyer loan commitments fell 9.3 per cent.
According to the ABS statistics, the number and value of loan commitments for existing dwellings fell strongly, reflecting
restrictions in late March and April on open houses, auctions and people's mobility in general. The Reserve Bank of Australia's
(RBA) term funding facility (TFF) has allowed lenders to offer attractive fixed rate loans, which have driven a sharp increase
in refinancing commitments where customers change lender to refinance their home loan. Although the headline statistics about
business loan commitments do not show obvious COVID-19 effects, lenders have reported commitments accepted by small
and medium businesses due to the Commonwealth Government's Small and Medium Enterprise (SME) Guarantee Scheme, the
values of which are significant in the context of lending to SMEs.
