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Date: 15/01/2013 Serviceability HEM Changes and Buffer Change Single Industry Postcode Changes Background The Household Expenditure Measure (HEM) and the buffer rate for Consumer Mortgage applications
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Serviceability hem changes refer to modifications or adjustments made to improve the serviceability or usability of a product or service.
Any entity or individual responsible for the design, production, or distribution of a product or service may be required to file serviceability hem changes.
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The purpose of serviceability hem changes is to ensure that products or services are continually updated and improved to meet the needs of consumers and maintain compliance with regulations.
Information such as the nature of the changes, reasoning behind the changes, expected impact on serviceability, and any relevant documentation may need to be reported on serviceability hem changes.
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