Publications by Cormac Harten
Working Title - 2022.10 #2
Originally published on the 25th, edited comment on Boris Johnson Headline Roundup Central Bank re-calibrates mortgage criteria The Statement can be found here What has changed? First Time Buyers Loan to income (LTI) increased from 3.5 times to 4 times income. No changes to LTV (Loan to Value) which remains at 90%. Second & Subsequent buyers...
14190 sym R (62259 sym/59 pcs) 53 img 1 tbl
GVH - Wk 4 October 2022
Last issue Included this week: Commencements Completions Housing Pipeline: Balance of Stock FHS Caps vs CSO data Retail Sales Index Port data Commencements National HSM13.A_S.Q_MAX <- tail(HSM13.A_S.Q,1) HSM13.A_S.Q %>% filter(Year_Q >= "2020 Q1")%>% ggplot(aes(x=Year_Q,y=SMA.12,group=STATISTIC))+ geom_line(alpha=0.3,size=1.25,colou...
1946 sym 25 img 12 tbl
GVH - Wk 1 November 2022
Last issue Included this week: Central Bank Benchmark Rates Unemployment Commencements vs Completions, follow on from last week Oil, follow on from last month Rates The following selected benchmark rates were the most representative up to date series from the FEDs database, note they are not exacly the same but illustrative of the interest rate...
1416 sym 6 img
GVH - Wk 2 November 2022
Last issue Included this week: Inflation Agriculture Input and Output: Price Indices Services Index Industrial Production Vehicles Registrations Inflation HICP Eurostat data shows that inflation for the Euro Area continues its upward trend. Stateside inflation was lower than expected, but still almost 4 times target, at 7.7%. Food and Energy ...
1887 sym 8 img
GVH - Wk 3 November 2022
Last issue Included this week: House Prices Characteristics of Residential Sales by Local Electoral Area Lending Mortgage Rates Share of Variable Loans Trade Merchandise Cattle Exports House Prices House Price Index (RPPI) The national house price inflation for September is 10.8%. This represents a -1.1 change from August which was 11.9%...
2676 sym 10 img 1 tbl
PII Working Doc
Below is an extension of the “Market Context” document for the FHS. Pricing Step 1: View price variance to FHS of First-Time Buyer Owner-Occupier for New homes (as per HPM08 from the CSO) on a national level. National may not be the best view for assessing the variance between an Eircode Output Area and the FHS cap for that county Step 2...
897 sym 13 img 2 tbl
GVH EC - Week 1 December
Last issue Included this week: House Prices Inflation Housing Pipeline Planning Permissions for Q3 release Energy Prices Household Savings and Consumption Services Index Retail Sales Index Employment Data Earnings Job Vacancies by Sector Irish Economy Current Account Balance of Payments House Prices House Price Index (RPPI) The nation...
2890 sym 26 img 1 tbl
GVH EC - Week 1 January
Last issue Included this week: Inflation Interest Rates: Houshold Purchases Economic Growth Inflation HICP The left panel shows the Euro Area HICP, with Decemeber figures being an estimate released today. The panel on the right show a line chart of the monthly movement and the 1 and 2 standard deviations above and below zero for the entire se...
2930 sym 7 img