ABS reports on property for Jan 16: Housing finance: 5609.0 - Housing Finance, Australia, Jan 2016 Building approvals:8731.0 - Building Approvals, Australia, Jan 2016 APRA regulations appear to be having the desired effect on the investors. What is surprising is the effect on the Owner Occupier, which (seasonally adjusted) is showing a greater drop (emphasized in red) than the investment housing. I wonder if it is: A statistical anomaly or noise Overall slowdown in property market Supply glut in the OO segment. A summary of the above statistics on AFR Conditions tighten: Investor home loans fall at fastest rate in seven years How much further before the APRA induced changes stabilize ? Something unrelated: Second graph (No of dwelling commitments) resembles a fibonnaci retracement.