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[null,"DRAFT REPORTING TEMPLATE SPECIFICATION FOR REPO-ELIGIBLE SECURITIES"]
[]
[null,"Commercial Mortgage Backed Securities"]
[null,"Loan Level Data"]
[]
[null,"Version 0.1 (October 2013)"]
[]
[null,"GUIDANCE NOTES"]
[null,"•  All data fields are mandatory."]
[null,"•  Entries should comply with the data formats specified for the relevant field."]
[null,"•  For fields containing multiple entries, the entries should be separated with a semi-colon (;)."]
[null,"•  When data are not available for a particular field, refer to the \"No Data\" template to record an appropriate response. Unless specified in the guidance notes, data fields should not be left blank under any circumstances."]
[null,"•  For fields with a 'Dynamic' reporting frequency, related data should be as at the most recent report date."]
[null,"•  For fields with a 'Static' reporting frequency, related data should be as at origination. However, if updated information for these fields is available, these data should be recorded."]
[null,"•  Issuers are expected to adhere to the definitions and guidance notes provided in the data template."]
[null,"• This template is to be completed for each loan in the trust."]
[null,"• Data on any loans that have exited the trust (e.g. been redeemed), must be included for at least one reporting period following its exit."]
[null,"Field Code","Category","Field Name","Reporting\nFrequency","Description","Data Type","Data Format","Guidance Notes"]
[null,"CL001","General","Report Date","Dynamic","As at date of the data. Should correspond with the last day of the collection period for post-issuance reporting.","Date","dd-mm-yyyy"]
[null,"CL002","General","Transaction ID","Static","Unique numeric identifier of the transaction assigned by the Trust Manager.","Numeric",12345,"Should match the Transaction ID in field CT002 of the Transaction Level Reporting Template."]
[null,"CL003","General","Master Trust Name","Static","Full name of the master trust for the transaction.","Text","N/A","For transactions structured under a master trust arrangement. Enter N/A if a master trust structure is not applicable to this transaction.",{"$nulls":5},250]
[null,"CL004","General","Series Trust Name","Static","Full name of the series trust for the transaction.","Text","N/A","May also be known as the transaction name."]
[null,"CL005","Loan Characteristics","Servicer","Dynamic","Full legal name of the entity responsible for the collection of principal and interest on the mortgage loan, and distributing those funds to the Trustee.","Text","N/A","The Servicer is responsible for carrying out the functions involved in administering the assets (including arrears and default management). If non resident entity, list the full legal name of the entity followed by the applicable foreign jurisdiction."]
[null,"CL006","Loan Characteristics","ABN of Servicer","Dynamic","ABN of the entity responsible for the collection of principal and interest on the mortgage loan, and distributing those funds to the Trustee.","Numeric",12345678901,"If non resident entity, list the applicable business serial number in the foreign jurisdiction."]
[null,"CL007","Loan Characteristics","Originator/Seller","Static","Full legal name of any entity that created the commercial mortgage loan that will be included in the pool of mortgage loans for the transaction.","Text","N/A","If there are multiple entities, list the names separated by a semi-colon (;). If non resident entity, list the full legal name of the entity followed by the applicable foreign jurisdiction."]
[null,"CL008","Loan Characteristics","ABN of Originator/Seller","Static","ABN of any entity that created the commercial mortgage loan that will be included in the pool of mortgage loans for the transaction.","Numeric",12345678901,"If non resident entity, list the applicable business serial number in the foreign jurisdiction."]
[null,"CL009","Loan Characteristics","Group Loan ID ","Static","Identifier of a mortgage loan contract assigned by the Servicer. This identifier is common to all split loans in the pool that are secured by the same properties. Must not include any personal details such as names, addresses or date of birth. If this loan is not is not part of a group of loans secured by the same property, enter N/A for this data field.","Text","N/A","This identifier must not correspond to any sensitive identifiers such as actual account or customer number."]
[null,"CL010","Loan Characteristics","Loan ID","Static","Unique identifier for a mortgage loan assigned by the Servicer. Must have a common Group Loan ID for each split loan that is secured by the same property. Must not include any personal details such as names, addresses or date of birth.","Text","N/A","This identifier must not correspond to any sensitive identifiers such as actual account or customer number."]
[null,"CL011","Loan Characteristics","Approval Amount","Static","Total loan amount approved by the lender; including redraws and further advances. ","Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"CL012","Loan Characteristics","Current Balance","Dynamic","The outstanding amount of the loan as at the Report Date. The current loan balance is the sum of the outstanding amount on the loan as at the report date, unpaid and due principal, interest, any penalty interest and all other fees and costs charged to the loan balance.","Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"CL013","Loan Characteristics","Scheduled Balance","Dynamic","The expected principal balance of the loan, assuming the borrower has made the minimum required payments each time they are due (i.e. the loan is not in arrears or ahead of schedule).","Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"CL014","Loan Characteristics","Loan Guarantee","Static","Is the loan guaranteed?","Text","True/False","A guarantee is when the loan is secured wholly or in part by a guarantee given by a third party to the loan for the purposes of providing additional security or serviceability. "]
[null,"CL015","Loan Characteristics","Redraw Feature","Static","Does the loan have a redraw feature?","Text","True/False"]
[null,"CL016","Loan Characteristics","Available Redraw","Dynamic","The amount available to be redrawn through the loan’s redraw feature without further approval, credit assessment, property valuations etc. If there is no redraw feature for this loan, then enter N/A for this data field.","Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"CL017","Loan Characteristics","Offset Account","Dynamic","Is there an offset account associated with the loan?","Text","True/False"]
[null,"CL018","Loan Characteristics","Offset Account Balance","Dynamic","The balance of any offset account associated with this loan. If there is no offset account for this loan, then enter N/A for this data field.","Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"CL019","Loan Characteristics","Scheduled Payment Policy","Dynamic","How does the borrower’s scheduled payment change in response to a change in the mortgage’s reference interest rate? Choose one of:\n1 - Scheduled payment changes with principal component fixed\n2 - Scheduled payment fixed with principal component changed\n3 - Other","Numeric",1]
[null,"CL020","Loan Characteristics","Loan Insurance Policy","Static","Does the loan have any form of lenders' insurance (such as LMI)? Choose one of:\n1 - Direct insurance policy\n2 - Group (pool) insurance policy\n4 - A combination of 1 and 2 above\n5 - No insurance policy coverage","Numeric",1]
[null,"CL021","Loan Characteristics","Settlement Date","Static","The date on which loan funds were originally provided by the lender to the borrower?","Date","dd-mm-yyyy","In the template reported to permitted users, the date should be reported as the calendar year quarter within which the exact date falls. The data format to be used is Qn-yyyy, where n is the quarter number 1, 2, 3 or 4. For example, if the date is 23/2/2011, report Q1 2011. The exact date should be reported to the RBA."]
[null,"CL022","Loan Characteristics","Loan Purpose","Static","The primary reason the borrower obtained the loan. Loan purpose. Choose one of: \n1 - Purchase - Existing building\n2 - Construction finance\n3 - Wholesale finance (no specific purpose)\n4 - Purchase of plant and equipments\n5 - Purchase of land other than for construction (e.g. rural property)\n6 - Refinance\n7 - Other","Numeric",1]
[null,"CL023","Loan Characteristics","Loan Origination Channel","Static","Origination channel for the loan: \n1 - Non-broker\n2 - Broker","Numeric",1]
[null,"CL024","Loan Characteristics","Loan Term","Static","The number of months from the Settlement Date to the legal Maturity Date for the loan.","Numeric",123.45,"In the template reported to permitted users, this should be expressed as a number of quarters, equal to the difference between the quarter in which the maturity date falls and the quarter in which the settlement date falls. For example, if the legal Settlement Date occurs in Q3 2010 and the legal Maturity Date occurs in Q4 2015, then the Loan Term is 21 quarters. The exact number of months should be reported to the RBA."]
[null,"CL025","Loan Characteristics","Remaining Term","Dynamic","The number of months from the Report Date to the legal Maturity Date of a loan.","Numeric",123.45,"In the template reported to permitted users, this should be expressed as a number of quarters, equal to the difference between the quarter in which the maturity date falls and the quarter in which the report date falls. For example, if the Report Date occurs in Q3 2010 and the legal Maturity Date occurs in Q4 2015, then the Remaining Term is 21 quarters. The exact number of months should be reported to the RBA."]
[null,"CL026","Loan Characteristics","Seasoning","Dynamic","The number of months from the Settlement Date to the Report Date for a loan.","Numeric",123.45,"In the template reported to permitted users, this should be expressed as a number of quarters, equal to the difference between the quarter in which the report date falls and the quarter in which the settlement date falls. For example, if the Settlement Date occurs in Q3 2010 and the Report Date occurs in Q4 2015, then the Seasoning is 21 quarters. The exact number of months should be reported to the RBA."]
[null,"CL027","Loan Characteristics","Maturity Date","Static","The date on which a loan must be fully repaid.","Date","dd-mm-yyyy","If the loan has an option for the borrower to refinance or extend the maturity of the loan, then enter the date when this option expires. In the template reported to permitted users, the date should be reported as the calendar year quarter within which the exact date falls. The data format to be used is Qn-yyyy, where n is the quarter number 1, 2, 3 or 4. For example, if the date is 23/2/2011, report Q1 2011. The exact date should be reported to the RBA."]
[null,"CL028","Loan Characteristics","Refinance Option","Static","Does the loan have an option for the borrower to refinance the loan or extend the maturity of the loan?","Text","Yes/No"]
[null,"CL029","Loan Characteristics","Loan Securitised Date","Static","Date which account entered into the securitised pool.","Date","dd-mm-yyyy"]
[null,"CL030","Loan Characteristics","Original LTV","Static","The ratio of the Approval Amount of the loan to the sum of the Original Property Values of all the properties used as security for the loan.","Numeric",12.3456,"Consolidated for all split / linked loans that are secured by common properties (i.e. total Approval Amount / total Security Valuations) as at the latest approval."]
[null,"CL031","Loan Characteristics","Current LTV","Dynamic","The ratio of the Current Balance to the sum of the most recent Property Values of all the properties used as security for the loan.","Numeric",12.3456,"Consolidated for all split / linked loans that are secured by common security properties (i.e. total Current Balance / total Security Valuations). If the most recent valuation is the Original Property Value, use this for calculating this field. However, if a more recent valuation exists, it is a requirement that this value is used to calculate this field."]
[null,"CL032","Loan Characteristics","Scheduled LTV","Dynamic","The ratio of the Scheduled Balance to the sum of the Property Values of all the properties used as security for the loan.","Numeric",12.3456,"Consolidated for all split / linked loans that are secured by common security properties (i.e. total Scheduled Balance / total Security Valuations)."]
[null,"CL033","Loan Characteristics","Loan Documentation Type","Static","Verification undertaken by the lender in respect of the borrower when applying for the loan. Choose one of:\n1 - Full Documentation\n2 - Low Documentation\n3 - No Documentation","Numeric",1,"1. Full documentation – any loan where the entity's income have been formally verified.\n2. Low documentation – any loan where the entity provides minimal proof of income. Minimal proof of income requires entity to self-certify its income. \n3. No doc – any loan where the entity provides no proof of income."]
[null,"CL034","Loan Characteristics","Loan Repayment Type","Dynamic","The type of repayment features the loan had on Report Date. This describes the amortisation profile of the loan (i.e. the way in which the principal of the mortgage loan will reduce over time). \nChoose one of:\n1 - Principal & Interest\n2 - Interest-only period followed by bullet repayment\n3 - Interest-only period followed by P&I amortisation\n4 - Line of Credit - Interest Only\n5 - Line of Credit - Amortising\n6 - Other","Numeric",1]
[null,"CL035","Loan Characteristics","Scheduled Payment","Dynamic","The minimum required payment by the borrower on each loan repayment date in accordance with the Payment Frequency (below).","Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"CL036","Loan Characteristics","Payment Frequency","Static","Frequency between loan payments. Choose one of:\n1 - Daily\n2 - Every second business day\n3 - Weekly\n4 - Fortnightly\n5 - Monthly\n6 - Quarterly\n7 - Semi-annually\n8 - Annually\n9 - Bullet\n10 - Other","Numeric",1]
[null,"CL037","Loan Characteristics","Syndicated loan","Static","Is the loan part of a syndicated loan?","Text","Yes/No"]
[null,"CL038","Loan Characteristics","Date of Syndication","Static","If the loan is syndicated, what is the date of syndication? If the loan is not part of a syndicated loan, enter N/A for this data field.","Numeric","dd-mm-yyyy"]
[null,"CL039","Loan Characteristics","Type of Syndication","Static","What type of syndication is the loan a part of? Choose one of:\n1 - Underwritten\n2 - Best Efforts\n3 - Bilateral\n4 - Club\n5 - Other\nIf the loan is not part of a loan syndication, enter N/A for this data field.","Numeric",1]
[null,"CL040","Loan Characteristics","Loan Currency Denomination ","Static","The units of exchange in which collateral data is reported as specified in the currency codes published by the International Organisation for Standardisation (ISO 4217 codes).","Text","ABC","For example, \"AUD\" for Australian dollar denominated loans."]
[null,"CL041","Loan Characteristics","Variable Loan Amount","Dynamic","Current obligated amount which can be drawn under the variable loan by the borrower, if different to the scheduled balance. If it is the same as the scheduled balance, then enter the scheduled balance.\n","Numeric",{"v":123456.78,"d":"$123,456.78"},"Indicate the total amount which the borrower is entitled to draw on the loan without any additional review, underwriting or credit checks (i.e. The loan limit). This may require ongoing reporting"]
[null,"CL042","Interest Rate","Interest Rate Type","Dynamic","Interest Rate Type. Choose one of:\n1. Variable rate loan set at lenders’ discretion for life of the loan\n2. Fixed rate loan with a default future switch to variable rate loan\n3. Fixed rate loan for life\n4. Fixed rate loan with future periodic resets\n5. Variable rate loan permanently benchmarked to another interest rate or index (excluding interest rate caps and floors)\n6. Variable rate loan temporarily benchmarked to another interest rate or index\n7. Other","Numeric",1,"An interest rate cap is an upper limit (ceiling) which the interest rate on the loan cannot exceed and is generally set by the originator. An interest rate floor is a lower bound (floor) which the interest rate on the loan cannot fall below and is generally set by the originator. A benchmark rate is a rate which the loan is explicitly referenced to, generally in the form of a fixed spread above (or below) the benchmark rate."]
[null,"CL043","Interest Rate","Current Interest Rate","Dynamic","Current interest rate in % per annum.","Numeric",12.34]
[null,"CL044","Interest Rate","Reference Rate","Dynamic","Current rate on the loan reference rate (i.e. the 'benchmark interest rate or index' in CL042) in % per annum. Only applicable to loans were Interest Rate Type (CL042) is equal to 5 or 6. If the interest rate on the loan is not explicitly benchmarked to any particular rate (i.e. Interest Rate Type is NOT equal to 5 or 6 in RL042), enter N/A for this data field.","Numeric",12.34]
[null,"CL045","Interest Rate","Current Interest Rate Margin","Dynamic","Current interest rate margin (i.e. Interest Rate Type is equal to either 5 or 6 in CL042) measured as the margin over (or under if input as a negative) the relevant reference rate that is applicable in CL042 and CL044; measured in basis points. If the interest rate on the loan is not explicitly benchmarked to any particular rate (i.e. Interest Rate Type is NOT equal to 5 or 6 in CL042), enter N/A for this data field.","Numeric",123.45]
[null,"CL046","Interest Rate","Interest Rate Reset Interval","Static","The interval in months at which the interest rate is adjusted (Interest Rate Type is equal to either 5 or 6 in CL042). Enter N/A for this data field if Interest Rate Type is NOT equal to either 5 or 6 in CL042.","Numeric",12]
[null,"CL047","Interest Rate","Restructuring Arrangement","Dynamic","Has the loan been restructured?","Text","True/False","A loan is deemed to have been restructured when the original contractual terms of the loan have been modified for reasons related to financial difficulties of the borrower. The underlying loan terms are contractually reduced or otherwise modified in a manner that would not be commercially available to other customers in good standing. Includes concessions of interest, principal or other payments due, a deferral of interest or principal payments or an extension of the maturity of the loan."]
[null,"CL048","Interest Rate","Interest Only Expiry Date","Static","The date non-amortising loans (i.e. Loan Type is equal to 2,3 or 4 in CL034) revert to amortising loans. Enter N/A for this data field if Loan Type is NOT equal to 2,3 or 4 in CL034.","Date","dd-mm-yyyy","In the template reported to permitted users, the date should be reported as the calendar year quarter within which the exact date falls. The data format to be used is Qn-yyyy, where n is the quarter number 1, 2, 3 or 4. For example, if the date is 23/2/2011, report Q1 2011. The exact date should be reported to the RBA."]
[null,"CL049","Interest Rate","Fixed Rate Expiry Date","Static","The date on which the rate on the fixed rate loan (i.e. Interest Rate Type is equal to 2,3 or 4 on RL042) is reset or expires? Enter N/A if Interest Rate Type is NOT equal to 2,3 or 4 on RL042","Date","dd-mm-yyyy","In the template reported to permitted users, the date should be reported as the calendar year quarter within which the exact date falls. The data format to be used is Qn-yyyy, where n is the quarter number 1, 2, 3 or 4. For example, if the date is 23/2/2011, report Q1 2011. The exact date should be reported to the RBA."]
[null,"CL050","Defaults, Losses \nand Claims","Account Status","Dynamic","Current status of account:\n1 - Performing \n2 - Arrears \n3 - Default \n4 - Foreclosure  \n5 - Redeemed \n6 - Repurchased by Seller","Numeric",1,"1. Performing – any loan that is on or ahead of schedule according to the “Scheduled Balance Method” (outlined below). Excludes loans that fall into one of the below categories.\n2. Arrears – any loan that is behind schedule by up to 90 days based on the “Scheduled Balance Method” and is not in default or foreclosure. \n3. Default – loans in default comprise impaired and past due; they do not include loans in foreclosure.\n(a) Impaired: A loan that is at least 90 days past due or otherwise doubtful, and is not well covered by collateral. The lender is expected to record a loss on this loan. See below for treatment of restructured loans.\n(b) Past due: Loan payments are at least 90 days past due, but the loan is well covered by collateral.\nA 'well-covered loan' is one where the current value of the collateral is judged sufficient to recover the outstanding principal and other previously unpaid amounts, and any estimated shortfall in all remaining payments due over the life of the loan. This includes any amounts arising over the period until collateral is obtained and settled (e.g. selling costs). Collateral includes secured interests in the underlying property and any other arrangements that protect against losses on the loan (e.g. any loan insurance).\n4. Foreclosure – any loan where the borrower has ceased to have an interest in the mortgaged property.  The lender has the ability to sell the collateral, is attempting to sell the collateral, or is settling the transfer of the collateral.\n5. Redeemed – indicates that the loan has been repaid in full, before or on maturity.\n6. Repurchased by Seller – the loan is bought back by the seller from the investor (i.e. the loan leaves the CMBS loan pool) following a repurchase request by the investor.\n\nUnder the “Scheduled Balance Method”, a mortgage loan is only classified as being in arrears if the current loan balance exceeds the scheduled loan balance, irrespective of whether the borrower has any scheduled payments past due. Under this approach, borrowers who are in distress and no longer making payments will not be in arrears until the current loan balance exceeds the scheduled loan balance.\nPartial days should be rounded up to the next whole day. For example, a loan that is 0.3 days behind schedule should be reported in the arrears category and a loan that is 89.1 days behind schedule should be classified as in default.\n\nTreatment of restructured loans:\nA restructured loan should be treated as impaired. It can be returned to non-impaired status if all of the following are met:\ni) Provisions on the loan have been adjusted to fully reflect the effect of any reduction in cash flows previously due under contracted terms;\nii) The borrower is expected to perform on the restructured terms;\niii) The restructured loan yields an effective rate of return equal to or greater than that which could be earned on new loans of similar risk, and any other restructured terms are similar to those applicable to new loans;\niv) The loan has been fully performing under the restructured terms for at least six months or three payment cycles, whichever is longer;\nv) No provisions, other than those created at the point of restructuring, remain assessed against the facility on an individual basis."]
[null,"CL051","Defaults, Losses \nand Claims","Default","Dynamic","If the status of the account is Default, specify the balance of principal payments in default (i.e. only the principal component of the portion of the loan in default). Enter N/A for this data field if the Account Status is NOT equal to 3 'Default' in CL050.","Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"CL052","Defaults, Losses \nand Claims","Foreclosure","Dynamic","If the status of the account is Foreclosure, specify the total cumulative sale receipts from the properties securing the loan. Enter N/A for this data field if the Account Status is NOT equal to 4 'Foreclosure' in CL050.","Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"CL053","Defaults, Losses \nand Claims","Date of Foreclosure","Dynamic","Date of sale of the foreclosed property. In the case of multiple properties, record the sale date of the most recently sold property. Enter N/A for this data field if the Account Status is NOT equal to 4 'Foreclosure' in CL050.","Date","dd-mm-yyyy","In the template reported to permitted users, the date should be reported as the calendar year quarter within which the exact date falls. The data format to be used is Qn-yyyy, where n is the quarter number 1, 2, 3 or 4. For example, if the date is 23/2/2011, report Q1 2011. The exact date should be reported to the RBA."]
[null,"CL054","Defaults, Losses \nand Claims","Loss on Sale","Dynamic","The total cumulative amount by which the money received by the lender for selling securing properties that have been foreclosed falls short of the amount owed on the loan. Enter N/A for this data field if the Account Status is NOT equal to 4 'Foreclosure' in CL050. If the status of the account is equal to 4 'Foreclosure' in CL050 but one or more of the properties securing the loan have not yet been sold, enter 'Pending sale' for this data field.","Numeric/Text","N/A"]
[null,"CL055","Defaults, Losses \nand Claims","Days In Arrears","Dynamic","The number of days that a loan has been in arrears based on \"scheduled balance\"  arrears methodology.\nArrears should be calculated and reported as at the end of the Report Date. Enter N/A for this data field if the Account Status is NOT equal to 2 'Arrears' or 3 'Default' in CL050.","Numeric",1,"Under the Scheduled Balance Method, a mortgage loan is only classified as being in arrears if the Current Loan Balance exceeds the Scheduled Loan Balance irrespective of whether borrower has any Scheduled Payments past due. Under this approach borrowers who are in distress and no longer making payments will not be in arrears until the actual loan balance exceeds the Scheduled Loan Balance.\nPartial days should be rounded up to the next whole day. For example, a loan that is 30.3 days in arrears should be reported as 31 days."]
[null,"CL056","Defaults, Losses \nand Claims","Amount in Arrears","Dynamic","The principal, interest, fees and charges past due for the loan. Enter N/A for this data field if the Account Status is NOT equal to 2 'Arrears' in CL050.","Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"CL057","Defaults, Losses \nand Claims","Days Since Last Scheduled Payment","Ongoing","Calendar days elapsed since last full scheduled repayment (or payment in excess of the scheduled repayment), irrespective of whether a repayment has been missed or not.","Numeric",12,"Partial days should be rounded up to the next whole day. "]
[null,"CL058","Defaults, Losses \nand Claims","Cumulative Missed Payments","Ongoing","Cumulative dollar value of all missed repayments since last full scheduled repayment.","Numeric",{"v":123456.78,"d":"$123,456.78"},"This includes the shortfall on partial missed repayments (i.e. repayments made that are less than the scheduled repayment)."]
[null,"CL059","Property Region","Property Postcode","Static","The postal code of each property over which a mortgage exists in favour of the lender, as specified by Australia Post. If the property is not located in Australia, enter N/A for this data field.","Numeric",1234,"For multiple properties, separated with a semi-colon (;). In the template reported to permitted users, the last three digits of the postcode should be redacted. The complete four-digit postcode should be reported to the RBA."]
[null,"CL060","Property Region","ABS Statistical Area (Level 4)","Static","The ABS Statistical Area (Level 4) of each property over which a mortgage exists in favour of the lender, as specified in the ABS’s Australian Statistical Geography Standard (ASGS) on the date that the mortgage secured by the property entered the collateral pool. If the property is not located in Australia, enter N/A for this field.","Numeric",123,"Report the property's ABS Statistical Area (Level 4) (SA4) as defined in the Australian Statistical Geography Standard. The property’s SA4 should be reported by mapping its postcode to its SA4 using the postcode-to-SA4 mapping tables provided by the ABS. Alternatively, the exact SA4 of the property, derived from a third-party provider specializing in this service, can be reported. The property’s SA4 should be reported using the most up-to-date ABS postcode-to-SA4 mapping (or an exact mapping by a third-party provider specialising in this service) in effect at the date that the mortgage secured by the property entered the collateral pool. For RMBS deals outstanding in July 2011, the SA4 should be reported using the postcode-to-SA4 mapping in effect on July 2011 which can be found in 1270.0.55.006 - Australian Statistical Geography Standard (ASGS): Correspondences, July 2011 (under Postcode 2011 to Statistical Area Level 4 2011 ‘Table 3 Correspondence’) or an exact mapping effective as at July 2011 by a third-party provider specialising in this service. In cases where the postcode maps to more than one SA4, report the SA4 region which contains the largest percentage of that postcode as reported by the ABS in its mapping table. When there are ties between the SA4s with the highest percentage to which the postcode is mapped to, the information provider can assign the property to any of these SA4s. Where there are multiple properties, separate their SA4s with a semi-colon (;)."]
[null,"CL061","Property Region","Property Country","Static","The country where each property is located.","Text","N/A","For multiple properties, separated with a semi-colon (;)."]
[null,"CL062","Property & Collateral","Original Property Value","Static","The valuation of the property securing the loan as at loan origination date. For multiple properties, report the cumulative valuation.","Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"CL063","Property & Collateral","Current Property Value","Dynamic","The most recent valuation of the property securing the loan. For multiple properties, report the cumulative valuation.","Numeric",{"v":123456.78,"d":"$123,456.78"},"If the most recent valuation is the Original Property Value, enter this. However, if a more recent valuation exists, it is a requirement that this data is provided in this field."]
[null,"CL064","Property & Collateral","Property Valuation Type - Origination","Static","Valuation type at origination:\n1 - Full  \n2 - Drive-by \n3 - Desktop \n4 - Automated (and Unqualified / Qualified)\n5 - Customer estimate\n6 - Contract of sale\n7 - Valuer General\n8 - Credit rating agency\n9 - Other","Numeric",1,"For multiple properties, report the category with the greatest proportion weighted by market value. For example, with two properties, one with Full valuation and a market value of $60 and another with a Desktop valuation and a market value of $40, report 'Full' for this data field."]
[null,"CL065","Property & Collateral","Property Valuation Type - Current","Dynamic","Current valuation type:\n1 - Full  \n2 - Drive-by \n3 - Desktop \n4 - Automated (and Unqualified / Qualified)\n5 - Customer estimate\n6 - Contract of sale\n7 - Valuer General\n8 - Credit rating agency\n9 - Other","Numeric",1,"For multiple properties, report the category with the greatest proportion weighted by market value. For example, with two properties, one with Full valuation and a market value of $60 and another with a Desktop valuation and a market value of $40, report 'Full' for this data field."]
[null,"CL066","Property & Collateral","Property Valuation Date","Dynamic","The date on which the latest valuation for the property was undertaken. For multiple properties, report the date of the property most recently valued.","Date","dd-mm-yyyy","In the template reported to permitted users, the date should be reported as the calendar year quarter within which the exact date falls. The data format to be used is Qn-yyyy, where n is the quarter number 1, 2, 3 or 4. For example, if the date is 23/2/2011, report Q1 2011. The exact date should be reported to the RBA."]
[null,"CL067","Property & Collateral","Property Purpose","Static","The intended purpose of each property that is used as security for the loan. \n1 - Investment\n2 - Borrower-occupied\n3 - Other","Numeric",1,"For multiple properties, report the category with the greatest proportion weighted by market value. For example, with two properties, one investment property with a market value of $60 and one borrower-occupied property with a market value of $40, report 'investment' for this data field."]
[null,"CL068","Property & Collateral","Property Type","Static","Property type: \n1 - Office\n2 - Retail\n3 - Industrial\n4 - Residential & land (excluding loans to households)\n5 - Tourism & leisure\n6 - Other\n","Numeric",1,"For multiple properties, report the category with the greatest proportion weighted by market value. For example, with two properties, an Office with a market value of $60 and a Retail property with a market value of $40, report 'Office' for this data field."]
[null,"CL069","Property & Collateral","Net lettable area (NLA)","Static","What is the NLA of the property securing the loan? If there is more than one property securing the loan, order responses in descending order of property market value separated by a semi-colon (;).","Numeric",12345]
[null,"CL070","Property & Collateral","Occupancy rate","Dynamic","What is the most recent occupancy rate? Expressed as a percentage. If there are multiple properties securing the loan, order responses in descending order of property market value separated by a semi-colon (;).","Numeric",12.34]
[null,"CL071","Property & Collateral","Weighted average lease expiry profile","Dynamic","What is the most recent weighted average lease expiry profile expressed in years? If there are multiple properties securing the loan, order the responses in descending order of property market value separated by a semi-colon (;).","Numeric",12.34]
[null,"CL072","Property & Collateral","Property Grade or Condition","Dynamic","What is the grade or condition of the property securing the loan? If there are multiple properties securing the loan, order responses in descending order of property market value separated by a semi-colon (;).","Text","N/A"]
[null,"CL073","Property & Collateral","NABERS Energy Rating","Dynamic","If the property securing the loan has a NABERS Energy Rating please state the current rating. Only enter the NABERS star number rating for the entire building/property. If there is no NABERS rating on the entire building or property or there is only a rating on tenants' premises, enter N/A for this data field.","Numeric",1,"If there are multiple properties securing the loan, order responses in descending order of property market value separated by a semi-colon (;)."]
[null,"CL074","Property & Collateral","Building Energy Efficiency Certificate (BEEC)","Dynamic","Does the property securing the loan have a BEEC?","Text","Yes/No","If there are multiple properties securing the loan, order responses in descending order of property market value separated by a semi-colon (;)."]
[null,"CL075","Property & Collateral","Lien","Static","Seniority on liquidation of property:\n1. 1st Lien\n2. 2nd Lien \n3. 3rd Lien \n4. Other","Numeric",1]
[null,"CL076","Borrower Information","Borrower ID","Static","Unique identifier of the borrower(s) assigned by the Servicer. No personal details such as names, addresses or date of birth should be included here. If more than one borrower, list the Borrower ID's comma delimited with the primary borrower first.","Numeric",12345,"This identifier must not correspond to any sensitive identifiers such as actual account or customer numbers."]
[null,"CL077","Borrower Information","Borrower Residency  - Primary Borrower","Static","Location where primary borrower resides:\n1 - Australia\n2 - Overseas\n3 - Specify country (if the issuer/originator records the country where the borrower resides, it is strongly recommended that this is disclosed in this category)","Text","N/A","If the primary borrower is a legal entity or business, enter the country where the head office is located. If there are multiple borrowers to the loan, separate responses with a semi-colon (;)."]
[null,"CL078","Borrower Information","Employment Type","Static","If the property purpose is 'Borrower-occupied' in CL067, what is the employment status of the borrower? Choose one of:\n1 - Pay-as-you-go employee \n2 - Self employed\n3 - Other\nIf the property purpose is not 'Borrower-occupied' in CL067, enter N/A for this data field.","Numeric",1]
[null,"CL079","Borrower Information","Legal Entity Type  - Primary Borrower","Static","Indicate legal entity type of the primary borrower. Choose one of:\n1 - Individual\n2 - Corporation\n3 - Unincorporated business\n4 - Partnership\n5 - Real estate investment trust (investment fund, like a REIT or unlisted property investment trust)\n6 - Superannuation funds\n7 - Other","Numeric",1,"If there are multiple borrowers to the loan, separate responses with a semi-colon (;)."]
[null,"CL080","Borrower Information","Borrower Industry","Static","What is the borrower's ANZSIC Industry Classification? Choose one of:\n1 - Agriculture, Forestry and Fishing\n2 - Mining\n3 - Manufacturing\n4 - Electricity, Gas, Water and Waste Services\n5 - Construction\n6 - Wholesale Trade\n7 - Retail Trade\n8 - Accommodation and Food Services\n9 - Transport, Postal and Warehousing\n10 - Information Media and Telecommunications\n11 - Financial and Insurance Services\n12 - Rental, Hiring and Real Estate Services\n13 - Professional, Scientific and Technical Services\n14 - Administrative and Support Services\n15 - Public Administration and Safety\n16 - Education and Training\n17 - Health Care and Social Assistance\n18 - Arts and Recreational Services\n19 - Other","Numeric",1,"If there are multiple borrowers to the loan, separate responses with a semi-colon (;)."]
[null,"CL081","Borrower Information","Administration or Insolvency Flag","Static","Have any of the borrowers to the loan been in administration or insolvency within 10 years prior to the Settlement Date of the loan?","Text","True/False"]
[null,"CL082","Borrower Information","Last Credit Discharge Date","Static","Most recent discharged date of defaults, insolvencies or administrations of any of the borrowers to the loan. If none of the borrowers to the loan have recorded a default, insolvency or administration, enter N/A for this data field.","Date","dd-mm-yyyy"]
[null,"CL083","Borrower Information","Number of Debtors","Static","Number of borrowers to the loan.","Numeric",12]
[null,"CL084","Borrower Information","Credit Score Provider","Static","The provider of a borrower credit score (If both external and internal scores are available please provide the external provider).","Text","N/A"]
[null,"CL085","Borrower Information","Credit Score","Static","The primary borrower credit score (If both external and internal scores are available please provide the external provider score).","Numeric",1]
[null,"CL086","Borrower Information","Debt Serviceability Metric","Static","A description of the metric used (if any) to assess a borrower’s debt servicing ability. Enter N/A if debt serviceability metric was not used in assessing the loan.","Text","N/A"]
[null,"CL087","Borrower Information","Debt Serviceability Metric Score","Static","Borrower debt serviceability metric score, as described above in CL086. Enter N/A if debt serviceability metric was not used in assessing the loan.","Numeric",12.34]
[null,"CL088","Borrower Information","Headline Profit or Income","Static","Annual headline profit (or for individuals, income) used to underwrite/assess the loan. If there are multiple borrowers to the loan, report the cumulative headline profit (or income).","Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"CL089","Borrower Information","Verification of Borrower's Financials","Static","Verification of borrower's financials. Choose one of:\n1 - Verified internally (by the lending bank)\n2 - Verified by a third party (e.g. credit agency)\n3 - Non-verified\n4 - Other","Numeric",1]

{"sheet":"No Data","index":1,"n_rows":10,"n_cols":4,"rows_kept":10,"flags":["formulas_cached_only"]}
[]
[null,null,"\"No Data\" Responses"]
[null,null,"To capture non-available data fields, a set of five \"No data\" (ND) options are included in this template which must be used whenever a particular data field cannot be submitted in accordance with the template."]
[]
[null,"Value","Reason","Example"]
[null,1,"Data not collected at loan origination","ND1"]
[null,2,"Data collected at loan origination but not loaded into the reporting system at completion","ND2"]
[null,3,"Data collected at loan origination but loaded into a separate system from the reporting one","ND3"]
[null,4,"Data collected at loan origination but will only be available from YYYY-MM","ND4, YYYY-MM"]
[null,5,"Field not applicable to the transaction","N/A"]