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RBA Glossary definition for LVR

LVR – Loan-to-valuation ratio

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Appendix A: Debt Overhang Model

10 Jul 2019 RDP 2019-06
Fiona Price, Benjamin Beckers and Gianni La Cava
D. 1. D. =. φ. D. A. 0. where the maximum LVR in any period is given by.
https://www.rba.gov.au/publications/rdp/2019/2019-06/appendix-a.html

The Effect of Mortgage Debt on Consumer Spending: Evidence from Household-level Data

1 Jul 2019 RDP 2019-06
Fiona Price, Benjamin Beckers and Gianni La Cava
For this purpose, we test if households with loan-to-valuation ratios (LVRs) above 80 per cent adjust their spending by more in response to changes in income, wealth or debt, ... Borrowing constraints. Liquidity constraints. Lagged LVR >80%. Hand-to-mouth
https://www.rba.gov.au/publications/rdp/2019/2019-06/full.html

Why is There a Negative Effect of Debt on Spending?

10 Jul 2019 RDP 2019-06
Fiona Price, Benjamin Beckers and Gianni La Cava
For this purpose, we test if households with loan-to-valuation ratios (LVRs) above 80 per cent adjust their spending by more in response to changes in income, wealth or debt, ... Borrowing constraints. Liquidity constraints. Lagged LVR >80%. Hand-to-mouth
https://www.rba.gov.au/publications/rdp/2019/2019-06/why-is-there-a-negative-effect-of-debt-on-spending.html