What the Data Shows
New Zealand banks’ reported changes in credit availability are compared across six high-level lending sectors for the six months to March 2026. The survey index ranges from −100 to 100, with positive values indicating easier availability and negative values indicating tighter availability. Residential mortgages recorded the strongest easing at 13.3, followed by commercial property at 10.3 and agriculture at 8.9. Small-business and corporate or institutional availability were unchanged at zero, while consumer credit tightened slightly at −2.3.
Data table
Unit: survey index, −100 to 100 · Period: March 2026
| Rank | Entry | Value | Period |
|---|
| 1 | Residential mortgages | +13.3 | Mar 2026 |
| 2 | Commercial property | +10.3 | Mar 2026 |
| 3 | Agriculture loans | +8.9 | Mar 2026 |
| 4 | Small-business loans | 0.0 | Mar 2026 |
| 5 | Corporate or institutional loans | 0.0 | Mar 2026 |
| 6 | Consumer loans | −2.3 | Mar 2026 |
Sources
Source 1: Credit Conditions Survey
Publisher: Reserve Bank of New Zealand
Dataset/table: Credit conditions
Units: index
Date checked: 2026-07-18
Evidence: Provides the official observed change in credit availability over the previous six months values used for March 2026.
Data notes & caveats
The index is a market-share-weighted average of bank responses. Positive values indicate easing, zero indicates broadly unchanged availability, and negative values indicate tightening.
Methodology
The six high-level lending-sector availability indices are ordered from highest to lowest for the six months to March 2026.
Source consistency notes
Every row uses the same survey round, observed six-month horizon, response scale and market-share-weighted index method.
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