Loans

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As Australians become increasingly conscious of their environmental impact, many are turning to sustainable home improvements to reduce their carbon footprint and enhance energy efficiency. However, funding these upgrades can often be a barrier. Green loans provide a tailored solution, offering specialized financing options for environmentally friendly home improvements. This guide details everything you need to know about green loans in Australia, from what they are to how to secure one for your next project.

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What are green loans?

Green loans are financial products designed specifically to fund projects that improve energy efficiency, utilize renewable energy, or offer other environmental benefits. These might include solar panel installations, energy-efficient appliances, or sustainable building materials. These loans are typically offered at lower interest rates or with more favorable terms than conventional loans to encourage homeowners to make eco-friendly choices.

Benefits of green loans for home improvements

Choosing a green loan for financing sustainable home projects comes with several advantages:

• Reduced interest rates: Many lenders offer reduced rates for green loans, making them more affordable than traditional financing options.
• Increased property value: Homes with sustainable improvements often have higher market values and appeal more to buyers interested in green living.
• Energy cost savings: Upgrading your home to be more energy-efficient can significantly decrease monthly utility bills.
• Environmental impact: By investing in green improvements, you are directly contributing to the reduction of your home's carbon footprint.

How to qualify for a green loan

Securing a green loan requires understanding the lender's criteria, which typically include:

• Project eligibility: The improvements must qualify as environmentally beneficial. Each lender has specific criteria defining eligible projects.
• Credit requirements: As with any loan, good credit scores and financial history help in securing better terms.
• Cost estimates: Providing detailed quotes or cost estimates for your project can be necessary to secure financing.

Finding the right lender for green loans in Australia

The key to finding the best green loan is to shop around and compare offers from various lenders. Look for:

• Interest rates: Compare the interest rates across different lenders to ensure you get the best deal.
• Loan terms: Consider the repayment period and any potential fees associated with the loan.
• Lender reputation: Opt for lenders known for their support towards green financing and customer satisfaction.

Tips for applying for green loans

• Detail your project: When applying, be clear about the specifics of your home improvement project and how it contributes to environmental sustainability.
• Check for subsidies: Some government initiatives offer rebates or subsidies for green home improvements, which can complement your financing.
• Prepare documentation: Have all necessary documentation ready, including cost estimates, your financial information, and details about your project.

Conclusion

Green loans are an excellent way for Australian homeowners to finance their sustainable home improvements. By understanding what green loans are, the benefits they offer, and how to successfully apply for one, you can take significant steps towards making your home more eco-friendly. With the right planning and financing, your green home project can enhance your living environment, reduce your energy costs, and contribute positively to the global effort to combat climate change.

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This guide aims to equip you with all the necessary information to navigate the process of securing green loans in Australia. By making informed decisions and leveraging the right financial products, you can successfully finance your sustainable home improvements and contribute to a greener future.

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As Australians become increasingly conscious of their environmental impact, many are turning to sustainable home improvements to reduce their carbon footprint and enhance energy efficiency. However, funding these upgrades can often be a barrier. Green loans provide a tailored solution, offering specialized financing options for environmentally friendly home improvements. This guide details everything you need to know about green loans in Australia, from what they are to how to secure one for your next project.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(98) "/borrow-money/loans/ultimate-guide-to-green-loans-financing-sustainable-home-projects-in-australia" ["image"]=> string(125) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1713413058/pexels-karolina-grabowska-4968631_v4mbda.jpg" ["image_alt"]=> string(79) "Ultimate guide to green loans: Financing sustainable home projects in Australia" } [1]=> object(stdClass)#8400 (57) { ["id"]=> int(18332) ["title"]=> string(57) "CBA launches digital home loan with 10-minute application" ["alias"]=> string(57) "cba-launches-digital-home-loan-with-10-minute-application" ["introtext"]=> string(150) "

According to the bank, Unloan will provide a single low-cost interest rate to borrowers with an application time of as little as ten minutes.

" ["fulltext"]=> string(3077) "

The Commonwealth Bank (CBA) has announced that it is now accepting applications for its simplified digital home loan offering, Unloan.

Unloan offers a single interest rate of 2.14 per cent for owner-occupiers and 2.44 per cent for investors with digital applications that purportedly take as little as ten minutes.

“As customer expectations continue to change, we know a growing number of Australians are ready to consider a digital home loan that’s easy to get and more rewarding to live with. And, just as importantly, backed by a brand they know and trust,” said CBA CEO Matt Comyn.

“By bringing together the pace and innovation of the start-up world with the scale and assets of Australia’s leading bank, we've reimagined what a home loan can look like.”

The bank confirmed that those looking to refinance their properties up to a value of $3 million and up to 80 per cent of their value can now apply through Unloan.

Customers will also receive a ‘loyalty discount’ that grows by 0.01 per cent p.a. every year up to a maximum of 30 years.

The launch of Unloan was announced alongside a number of other new initiatives from CBA, including the availability of CommSec within the existing CommBank app and the launch of the new Kit money app and digital information tool for kids.

“Driving digital innovation for our customers is core to our strategy. This is all about reimagining what it means to be a bank, and the ways in which a bank can anticipate and meet customer needs,” said Mr Comyn.

“We seek to be the trusted centre of our customers’ financial lives, using technology to build the best integrated and personalised digital experiences to suit all the ways our customers interact with us. Our strategy is to broaden and deepen our distinct and highly differentiated proposition to give customers more reasons to bank with the Commonwealth Bank.”

The bank’s micro-investing platform CommSec Pocket will be made available to all customers through the CommBank app in the coming months before general CommSec services are then made available later this year.

CBA said that the changes came in response to feedback from the growing number of CommSec investors.

“Customers tell us they want to be able to manage all of their money in one place and now they will be able to move seamlessly between their everyday banking and CommSec investing with one log-in that will give every qualified CBA customer access to CommSec’s investing tool,” Mr Comyn said.

Meanwhile, CBA said that the Kit app and digital information tool aimed to help kids learn about money and how to save, budget and manage their spending by providing them with their own account and prepaid card.

Initially launching as a pilot involving up to 5,000 customers, the bank said that Kit would allow kids to manage their own earning, saving, and spending through experiential learning with controls including spending limits being made available to parents.

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• Yes

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According to the bank, Unloan will provide a single low-cost interest rate to borrowers with an application time of as little as ten minutes.

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The hype around interest rate hikes usually centres around the urgent and fundamental need to alleviate the consequences of inflation – but does this monetary policy do more harm than good?

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It’s no secret that mortgage holders are the biggest victims of a central bank’s decision to hike interest rates, as they often find themselves faced by bigger loan repayments than they might have initially budgeted for.

Central banks across the globe are presently recalibrating the direction of national monetary policies, as exemplified by the Reserve Bank of Australia’s (RBA) recent decision to raise interest rates from a historic low of 0.1 per cent to 0.35 per cent and the Federal Reserve’s choice to enact the largest hike in decades, all with a common aim to reduce the effects of inflation.

Historically, setting the interest rate to a level that reverses the course on generous government policy has proven effective, but are central banks ignoring the potential long-term economic pain that a rate hike may inflict?

AMP chief economist Dr Shane Oliver doesn’t believe so – rather, he feels that potential economic pain weighs heavily on a central bank’s decision to lift the cash rates.

“They have a dual mandate to aim for price stability but also full employment, so they certainly do take into account financial hardship,” Dr Oliver said.

Describing a central bank’s role as a “balancing act”, he said the present problem of inflation is causing hardship for households and businesses because costs are rising – “but by the same token, we also know that if central banks don’t get it under control, it’s going to cause even more hardship.”

And that balancing act creates a significant dilemma for central banks, according to Dr Oliver.

He said central banks know if they don’t get inflation under control, they’ll have a much bigger problem, and virtually the only lead they have is to raise interest rates.

“In other words, to tighten monetary policy – because it increases the cost of money, and acts to slow down demand growth in the economy – that’s what they’re seeking to do but it does have the unfortunate effect of taking spending power away from the nearly 40 per cent of households that have a mortgage,” Dr Oliver said.

This dilemma places central banks in a difficult position because “there’s not much more they can do about that”.

There’s also the problem when interest rates are raised too high, they potentially place mortgage holders in the position of having to sell or even face the prospect of having to default on their loan – but Dr Oliver said there are contingencies for those events.

“It is a significant risk and it’s why it’s next to impossible to predict how high interest rates will go because that is the key thing the RBA will be watching,” Dr Oliver said.

He said that the RBA only wants to raise interest rates enough to “cool things down” and to get inflation under control.

“It’s not on autopilot here – this is not 1989 when debt levels were a fraction of what they are today, and therefore interest rates went to 17 per cent,” he said.

He offered a relieving assertion that the RBA will not be doing that – “they will only raise interest rates as far as necessary, and as soon as they see signs that there’s a big increase in defaults or lots of people really struggling on their mortgage to the point that they’re likely to miss payments or might have to sell their house, then that’s when they will pull back,” Dr Oliver said.

He said at some point, if interest rate hikes start to cause issues within the housing sector, that may be a sign that the RBA has “done enough”.

Dr Oliver also reminds that APRA requires banks to assess any borrower on the basis of their ability to pay a mortgage rate of 3 per cent above the rate of which they’re signing up for.

“So if you show up and your mortgage rate is 3.7 per cent as the going rate, the bank will assess you on the basis of 3.7 per cent, plus another 3 per cent, at 6.7 per cent,” he said.

“They’ll want clear evidence that you can keep your payments going when rates are 3 per cent higher.”

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From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2022-05-10 00:00:35" ["slug"]=> string(64) "18295:are-central-banks-weighing-the-economic-pain-of-rate-hikes" ["event"]=> object(stdClass)#8895 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

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The hype around interest rate hikes usually centres around the urgent and fundamental need to alleviate the consequences of inflation – but does this monetary policy do more harm than good?

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(78) "/borrow-money/loans/are-central-banks-weighing-the-economic-pain-of-rate-hikes" ["image"]=> string(48) "images/article-826x550/stressed-man-bills-ne.jpg" ["image_alt"]=> string(10) "rate hikes" } [3]=> object(stdClass)#8398 (57) { ["id"]=> int(18282) ["title"]=> string(57) "New investor home loan commitments climb to a record high" ["alias"]=> string(57) "new-investor-home-loan-commitments-climb-to-a-record-high" ["introtext"]=> string(83) "

The value of new investor loan commitments reached $11.7 billion in March.

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Australia’s new housing loan commitments rose 1.6 per cent to $33.3 billion during March, new data from the Australian Bureau of Statistics (ABS) has revealed.

The monthly increase followed a 3.5 per cent decline during February and exceeded the consensus forecasts of a 1.9 per cent fall.

“The value of new investor loan commitments reached a record high of $11.7 billion in March and was the key contributor to the rise in the value of new housing loan commitments,” said ABS head of finance and wealth, Amanda Seneviratne.

New investor lending was up 2.9 per cent for the month and 48.4 per cent on an annual basis.

The ABS noted that the value of investor loan commitments had continued to increase each month since November 2020, except for in February this year.

The biggest monthly increases were recorded in the ACT (14.9 per cent) and the Northern Territory (32.4 per cent), with small rises across the states including South Australia (8.5 per cent), Queensland (6.7 per cent), Western Australia (5.9 per cent), Tasmania (2.3 per cent), NSW (1.6 per cent) and Victoria (0.7 per cent).

“This is almost certainly the peak in the cycle,” commented Westpac senior economist Matthew Hassan.

“Approvals are at lofty levels with a sharp decline in market turnover (-22 per cent since the start of the year in value terms) pointing to an imminent pull back.”

New owner-occupier loans lifted 0.9 per cent to $21.6 billion in March but were down 2.2 per cent annually. Within this segment, new loan commitments for first home buyers increased by 5.9 per cent to $5.1 billion while still remaining 25.2 per cent lower than a year ago.

“Overall, there was relatively little to glean from the March finance data, particularly given the overriding impact interest rate tightening is set to have on the housing sector in coming months,” said Mr Hassan.

“It will likely prove to be the high water mark for this cycle with turnover already off sharply and prices expected to enter a broad-based and correction phase in coming months that is expected to continue through the rest of 2022, all of 2023 and the first half of 2024.”

Similarly, Commonwealth Bank (CBA) economists Stephen Wu and Harry Ottley said that housing lending would likely continue to cool throughout 2022 as interest rates normalise.

“The trajectory of the tightening cycle will be determined by how swiftly and how powerfully rate hikes affect the economy,” the CBA economists said.

“Rising rates will influence both households’ and businesses’ behaviour and to that end, it is important to look closely at forward-looking indicators. The new flow of lending data, together with overall credit growth, will be ones to watch over coming months as a leading indicator, including of housing prices.”

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From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2022-05-05 00:25:22" ["slug"]=> string(63) "18282:new-investor-home-loan-commitments-climb-to-a-record-high" ["event"]=> object(stdClass)#8906 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

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The value of new investor loan commitments reached $11.7 billion in March.

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Mortgage holders could be asked to pay over $1,000 more per month due to rising interest rates.

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After the Reserve Bank (RBA) kicked off its rate hiking cycle on Tuesday with a 25-basis point lift to 0.35 per cent, new borrowers could be facing an increase in mortgage costs of more than $1,000 per month.

Assuming a current variable mortgage rate of 2.49 per cent and monthly P&I loan repayments over 30 years, and taking into consideration the national median house price and an 80 per cent LVR, CoreLogic has placed mortgage costs for new owner occupiers at $2,363 per month.

With this as its starting point, the researcher calculated that a 100-basis point rise would result in an extra repayment of $323 per month, while a rise of 200 basis points would inflict an additional $668 payment on borrowers.

Under the same scenario but based on Sydney’s median dwelling value, new borrowers would be forced to pay $486 more per month following a 100-basis point rise and $1,006 more after a rise of 200 basis points.

Meanwhile, using the median house price for the combined capital cities, monthly repayments would rise by $357 for a 100-basis point increase and $738 under a lift of 200 basis points.

“Higher interest rates are set to add to the downwards pressure on housing growth rates, which were already losing steam or - as in the case of Sydney and Melbourne - trending into negative territory due to factors including affordability constraints, higher fixed term mortgage rates and lower levels of consumer sentiment,” commented CoreLogic research director Tim Lawless.

“As the cash rate normalises, we can expect housing markets to lose further momentum. A higher cash rate implies higher variable mortgage rates, a reduction in borrowing capacity and tighter serviceability assessments for prospective borrowers.”

The RBA had held the cash rate target at a record low of 0.1 per cent since November 2020, with May’s lift being the first hike for the central bank since November 2010.

“The low interest rate setting coincided with surging housing values; between November 2020 and April 2022 national housing values have increased by 27.0 per cent, adding approximately $159,300 to the median value of an Australian dwelling,” said Mr Lawless.

The extent of any future downturn in the housing market, Mr Lawless suggested, would depend on how high and fast rates rise as well as a range of other factors.

“Labour markets are currently showing the lowest unemployment rate since the mid-1970s, and conditions are set to tighten further. Such a low unemployment rate, along with an expectation for higher income growth, should keep mortgage distress and forced sales at relatively low levels,” he said.

Mr Lawless highlighted the RBA’s latest financial stability review that indicated the median repayment buffer for owner occupiers with a variable rate loan had reached 21 months of scheduled repayments in February, up from 10 months at the start of the pandemic.

“Even with a two-percentage point rise in mortgage rates, the median repayment buffer would reduce back to 19 months, which is still substantial. With the median household well ahead of their mortgage repayment schedule, the risk of households falling behind on their mortgage is reduced,” he said.

Mortgage serviceability assessments, which have checked the ability of new borrowers to meet loan repayments at a rate 3 per cent above the loan product rate since October last year and 2.5 per cent beforehand, will also help to minimise mortgage stress, according to Mr Lawless.

“The recent rise in fixed term mortgage lending is another factor helping to insulate home owners from higher interest rates,” he added.

“Through the middle of last year, 45 per cent of housing loans were funded on fixed rate terms, temporarily shielding those borrowers from rate hikes. While they will need to refinance down the track, by that time labour markets are likely to have tightened further and income growth picked up.”

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(79) "/borrow-money/loans/as-rates-begin-to-rise-how-much-more-will-new-borrowers-pay" ["image"]=> string(41) "images/article-826x550/house-coins-ne.jpg" ["image_alt"]=> string(9) "home loan" } [5]=> object(stdClass)#8396 (57) { ["id"]=> int(18276) ["title"]=> string(42) "Major banks announce interest rate changes" ["alias"]=> string(42) "major-banks-announce-interest-rate-changes" ["introtext"]=> string(132) "

Following the RBA’s first rate hike in 11 years, the big four banks have tweaked their home loan variable interest rates.

" ["fulltext"]=> string(4323) "

The Commonwealth Bank (CBA), Westpac, NAB and ANZ have all reacted to the Reserve Bank’s (RBA) decision to lift the cash rate from a record low 0.1 per cent to 0.35 per cent on Tuesday.

Each of the big four banks have confirmed they will pass on the full 25-basis point rise to their variable rate home loan customers. CBA was the first of the big four to announce the hike on Tuesday night followed by Westpac, ANZ and NAB.

Commonwealth Bank

CBA announced that its standard variable rate for owner occupier principal and interest loans would increase to 4.80 per cent from 20 May.

Additionally, the bank said that lifts of 25 basis points would also apply to following standard variable rates for home loans on the same date:

• Investor principal and interest to 5.38 per cent
• Owner occupier interest only to 5.29 per cent
• Investor interest only to 5.64 per cent.

“This is an important time to support customers as some may not have experienced an interest rate increase since they took out their loans,” commented CBA group executive retail banking Angus Sullivan.

“We are here to help customers who have loans and are considering how repayments might change. Some options available to help our customers manage repayments include fixing or splitting loans or setting up an offset account.”

Westpac

Westpac confirmed it would increase home loan variable interest rates for new and existing customers, as well as selected consumer deposit accounts including ‘Westpac Life’ and ‘Westpac 55+ and Retired’, by 25 basis points from 17 May.

“We have made the decision to increase our standard variable rate for home loan and selected consumer deposit customers following today’s increase to the official cash rate,” said Westpac chief executive consumer & business banking Chris de Bruin.

“We know many of our customers were able to build up their savings during the pandemic and 70 per cent of home loan customers are ahead on their repayments, helping put them in a better position to withstand an interest rate rise.”

NAB

The standard variable home loan at NAB will increase by 25 basis points to 4.77 per cent, while the bank also confirmed it would similarly lift its reward saver bonus interest rate.

“Supporting customers through the change is a priority for NAB. Interest rates have been very low for a long time – it has been 11 years since the official cash rate in Australia last increased and we know this will be a new experience for some customers,” said NAB group executive personal banking Rachel Slade.

“While we have 930,000 home loan customers, the historic low interest rates have been difficult for our savings and deposit customers, including more than 1.3 million customers with a reward saver account. We want to support them as interest rates rise again.”

The increases, which will take effect from 13 May, will also apply to owner occupier interest only (5.34 per cent), investor principal and interest (5.37 per cent) and investor interest only (5.67 per cent) loans.

ANZ

Finally, ANZ said its 25-basis point lift would see standard variable rate for owner occupiers paying principal and interest rise to 4.64 per cent, while the standard variable rate for owner occupiers paying interest only would reach 5.19 per cent.

“In making this decision we considered various factors including the change in the official cash rate, along with the impact on our customers and our business performance,” said ANZ group executive Australia retail Maile Carnegie.

“While this change will impact customers in different ways, home loan customers are generally well placed to manage rising rates with around 70 per cent of accounts ahead on repayments – many of them by two years or more. Household and business deposits are also at record highs.”

All of ANZ’s changes to variable interest rates for home and residential investment loans will take effect from 13 May.

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Following the RBA’s first rate hike in 11 years, the big four banks have tweaked their home loan variable interest rates.

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"url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#8958 (33) { ["id"]=> int(8) ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8414 (3) { ["data":protected]=> object(stdClass)#8586 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8412 (3) { ["data":protected]=> object(stdClass)#8581 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#8957 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8587 (3) { ["data":protected]=> object(stdClass)#8577 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8580 (3) { ["data":protected]=> object(stdClass)#8585 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#8955 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8584 (3) { ["data":protected]=> object(stdClass)#8582 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8583 (3) { ["data":protected]=> object(stdClass)#8611 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#8943 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> int(2351) ["ordering"]=> int(2) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8579 (3) { ["data":protected]=> object(stdClass)#8613 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8610 (3) { ["data":protected]=> object(stdClass)#8615 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#8964 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8612 (3) { ["data":protected]=> object(stdClass)#8620 (1) { ["options"]=> object(stdClass)#8618 (2) { ["options0"]=> object(stdClass)#8617 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#8619 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8614 (3) { ["data":protected]=> object(stdClass)#8622 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#8860 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8616 (3) { ["data":protected]=> object(stdClass)#8624 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8621 (3) { ["data":protected]=> object(stdClass)#8626 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#8963 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8623 (3) { ["data":protected]=> object(stdClass)#8628 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8625 (3) { ["data":protected]=> object(stdClass)#8630 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(62) "/borrow-money/loans/major-banks-announce-interest-rate-changes" ["image"]=> string(51) "images/article-826x550/rising_interest_rates_ne.jpg" ["image_alt"]=> string(13) "interest rate" } }