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How Risky is Australian Household Debt?

25 Aug 2020 RDP 2020-05
Jonathan Kearns, Mike Major and David Norman
or because the history of financial liberalisation is littered with examples of subsequent busts). ... We assume that if a household's financial margin becomes negative in the stress scenario, it defaults on its debt obligations within the 2–3 year
https://www.rba.gov.au/publications/rdp/2020/2020-05/full.html

Stress Testing Household Debt

25 Aug 2020 RDP 2020-05
Jonathan Kearns, Mike Major and David Norman
We assume that if a household's financial margin becomes negative in the stress scenario, it defaults on its debt obligations within the 2–3 year time horizon (if its LVR ... About one-third of households with a negative financial margin have
https://www.rba.gov.au/publications/rdp/2020/2020-05/stress-testing-household-debt.html