The property market is depending on credit from foreign banks, mutual banks and non-banks as the major banks choke off credit flow, APRA data shows.ANZ reported zero growth in mortgage finance in July 2018 over June 2018 and reported growth at each of Commonwealth Bank, NAB and Westpac was trivial.Bank of Beirut, HSBC and the Bank of China are the foreign banks cranking out the loans in a mortgage market preparing for slowdown.Via Bank of Sydney, the Levant's global banking champion leads the credit stakes, with growth of 44 per cent over the year to July 2018. HSBC pumped the growth number to 24 per cent and Bank of China to 30 per cent.Macquarie Bank chimed in at 20 per cent growth, double the rate of AMP Bank and four times the rate of the wider market.System credit growth was 4.5 per cent over the last year.    Zero growth is also the essence of investment lending at Australian banks. In 2003, the year Australian finance embarked on its crisis discovery tour, investment lending growth exceeded 30 per cent.In mid 2018 growth in owner-occupier lending is more predictable. Growth over the year to July was 7.6 per cent, as slow as things have been since APRA whipped up its responsible lending activism, with interest-only loans the principal focus.