Owner-occupied housing finance commitments have continued to tumble, falling two per cent in August, with the non-bank sector desertion accelerating, according to seasonally adjusted Australian Bureau of Statistics data released yesterday. Non-bank lending volumes continue to haemorrhage, down eight per cent in August to 5645, with volume almost half of February's 10,143, and sixty per cent lower than the 13,868 a year earlier.Bank loans remained stable for August 2008, falling just one per cent to 43,258, with monthly volume down 17 per cent for both six- and twelve-month comparisons.An increase in the average bank loan is helping to offset the drop in volume.The average bank loan in August was $257,000, unchanged month on month, but five per cent higher than the $244,000 from six months ago and seven per cent higher than the $240,000 for August 2007.It is the opposite scenario for the struggling non-bank sector.The average loan for August was $176,000, a drop of five per cent from $184,000 just one month earlier, with a seven per cent decline to $189,000 since February with the acceleration in decline made evident by the $223,000 average in August 2007, a decrease of 21 per cent.