{"id":123292,"date":"2025-11-07T18:06:07","date_gmt":"2025-11-07T18:06:07","guid":{"rendered":"https:\/\/www.newsbeep.com\/nz\/123292\/"},"modified":"2025-11-07T18:06:07","modified_gmt":"2025-11-07T18:06:07","slug":"new-zealand-earns-aaa-rating-as-economy-steadies-lending-confidence-grows","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/nz\/123292\/","title":{"rendered":"New Zealand earns AAA rating as economy steadies, lending confidence grows"},"content":{"rendered":"<p>\u201cThe average public debt ratio to GDP for advanced economies is about 110%\u00a0\u00a0or so, and New Zealand\u2019s is less than half of that,\u201d Specht said.<\/p>\n<p>Financial stability underpins AAA confidence<\/p>\n<p>Morningstar DBRS said New Zealand\u2019s\u00a0financial system has weathered recent housing corrections well, thanks to robust capital levels and responsible lending standards.<\/p>\n<p>\u201cA lot of that is due to the well-capitalised banks that are also very liquid, and they have strong buffers to absorb losses,\u201d Specht said.<\/p>\n<p>Loan-to-value (LVR) and debt-to-income (DTI) restrictions have also contained riskier lending. While overdue loans have edged up amid softer economic conditions,\u00a0non-performing loans remain low, and stabilising house prices have eased risks to financial stability, RNZ reported.<\/p>\n<p>What it means for mortgage advisers<\/p>\n<p>For mortgage advisers, New Zealand\u2019s AAA rating reinforces\u00a0confidence in the nation\u2019s lending system and property market stability, supporting more positive credit conditions heading into 2026.<\/p>\n","protected":false},"excerpt":{"rendered":"\u201cThe average public debt ratio to GDP for advanced economies is about 110%\u00a0\u00a0or so, and New Zealand\u2019s is&hellip;\n","protected":false},"author":2,"featured_media":123293,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[37418,86227,111,43,139,69],"class_list":["post-123292","post","type-post","status-publish","format-standard","has-post-thumbnail","category-new-zealand","tag-credit-rating","tag-morningstar-dbrs","tag-new-zealand","tag-news","tag-newzealand","tag-nz"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/123292","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/comments?post=123292"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/123292\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media\/123293"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media?parent=123292"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/categories?post=123292"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/tags?post=123292"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}