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Why Kenneth Hayne didn’t call for ban on Household Expenditure Measure

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6 February 2019 by Alexis Carey,

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For more than a decade, one magic number has made the difference between nabbing your dream home — or being rejected for a loan. That number is the Household Expenditure Measure (HEM), a tool that has long been used by most of our banks to calculate our expenses and ability to manage repayments, which then helps determine how much we can borrow.


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