Search: FHB
RBA Glossary definition for FHB
FHB – First Home Buyers
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The Property Ladder after the Financial Crisis: The First Step is a Stretch but Those Who Make It Are Doing OK
1 Sep 2017
RDP
2017-05
This section examines how the probability of becoming an indebted FHB and the characteristics of realised FHBs have changed over time in Australia. ... Figure 11: FHBs Who Received Help with Loan. Share of indebted FHB households.
https://www.rba.gov.au/publications/rdp/2017/2017-05/full.html
FHBs' Post-purchase Experience
18 Sep 2017
RDP
2017-05
Figure 7: Indebted FHB Debt Ratios. Sources: Authors' calculations; HILDA Survey Release 14.0. ... We find that financial satisfaction has improved for everyone, but more so for FHBs.
https://www.rba.gov.au/publications/rdp/2017/2017-05/fhbs-post-purchase-experience.html
Appendix A: Data
18 Sep 2017
RDP
2017-05
We combine the information from ‘hspown’ and ‘rpage’ into the one variable identifying indebted FHBs. ... We then use the combined FHB age variable to calculate the year of FHB purchase:.
https://www.rba.gov.au/publications/rdp/2017/2017-05/appendix-a.html
How Much Debt Do FHBs Take on?
18 Sep 2017
RDP
2017-05
The median real purchase price of FHB homes in the 2008–14 period was $387,000, which was almost $100,000 higher than the price paid by FHBs in the ... Table 3: Loan Characteristics of Indebted FHB Households Median. 2001–07. 2008–14.
https://www.rba.gov.au/publications/rdp/2017/2017-05/how-much-debt-do-fhbs-take-on.html
Literature Review
18 Sep 2017
RDP
2017-05
In other words, they find that higher housing prices have significantly reduced the probability of becoming an FHB. ... While a number of studies have focused on how rising housing prices have affected the tenure choice decision of potential FHBs, only a
https://www.rba.gov.au/publications/rdp/2017/2017-05/literature-review.html
Appendix C: Extensions and Robustness Tests
18 Sep 2017
RDP
2017-05
Table C1: Determinants of Being an Indebted FHB Household. Coefficients. Model 1 Baseline model. ... Table C2: Determinants of Being an Indebted FHB Household. Average marginal effects, percentage points.
https://www.rba.gov.au/publications/rdp/2017/2017-05/appendix-c.html
Appendix B: Heckman Selection Model
18 Sep 2017
RDP
2017-05
FHB (using a sample of both renters and FHBs). ... For the second-stage regression, we run a linear regression on a sample of FHBs only.
https://www.rba.gov.au/publications/rdp/2017/2017-05/appendix-b.html
Introduction
18 Sep 2017
RDP
2017-05
FHBs typically have higher loan-to-valuation ratios and higher debt-servicing burdens than more established borrowers. ... future. We also look at changes in FHB behaviour since the financial crisis.
https://www.rba.gov.au/publications/rdp/2017/2017-05/introduction.html
The Property Ladder after the Financial Crisis: The First Step is a Stretch but Those Who Make It Are Doing OK
1 Sep 2017
RDP
2017-05
Research Discussion Paper – RDP 2017-05 The Property Ladder after the Financial Crisis: The First Step is a Stretch but Those Who Make It Are Doing OK. John Simon and Tahlee Stone. September 2017. 1.3. MB. We would like to thank Gianni La Cava,
https://www.rba.gov.au/publications/rdp/2017/2017-05/sections.html
‘Generation Rent’ and the First Step on the Property Ladder
18 Sep 2017
RDP
2017-05
This section examines how the probability of becoming an indebted FHB and the characteristics of realised FHBs have changed over time in Australia. ... Sources: Authors' calculations; HILDA Survey Release 14.0. Comparing indebted FHB households to the
https://www.rba.gov.au/publications/rdp/2017/2017-05/generation-rent-and-the-first-step-on-the-property-ladder.html