Search: LVR
RBA Glossary definition for LVR
LVR – Loan-to-valuation ratio
Search Results
Household and Business Finances in Australia
8 Apr 2021
FSR
– April 2021
Despite typically having higher initial LVRs than other borrowers, prior to the pandemic first home buyers tended to pay down their debt relatively quickly. ... Property’). Impairment rates on commercial property lending remain low, consistent with
https://www.rba.gov.au/publications/fsr/2021/apr/household-business-finances.html
Recent Developments in Margin Lending in Australia
10 Dec 2009
Bulletin
– December 2009
The average loan-to-valuation ratio (LVR) was around 50 per cent on accounts with non-zero balances. ... This is consistent with most stocks and managed funds having a maximum LVR of between 40–80 per cent.
https://www.rba.gov.au/publications/bulletin/2009/dec/2.html
Housing Accessibility for First Home Buyers
7 Dec 2017
Bulletin
– December 2017
The ability of Australians to purchase their first home (‘housing accessibility’) has been an important topic of public debate recently. In this article, we construct an indicator of housing accessibility that suggests that the median potential
https://www.rba.gov.au/publications/bulletin/2017/dec/3.html
The Global Financial Environment
8 Oct 2021
FSR
– October 2021
at both a high loan-to-valuation ratio (LVR) and a high DTI ratio. ... an LVR over 80 per cent has been cut from 20 per cent to 10 per cent.
https://www.rba.gov.au/publications/fsr/2021/oct/global-financial-environment.html
The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis
22 Jul 2020
RDP
2020-03
Figure 3: Distribution of Indexed LVRs. Balance-weighted share of securitised loans, June 2019. ... 0.89. Equity and housing market factors. Indexed LVR buckets (selected; base = 60–70).
https://www.rba.gov.au/publications/rdp/2020/2020-03/full.html
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Box B: Interest-only Housing Loans
10 Sep 2006
FSR
– September 2006
For interest-only loans, however, the absence of required principal repayments during the interest-only term means that, for a given loan-to-valuation ratio (LVR), any fall in the value ... Partly mitigating this risk is the fact that initial LVRs tend
https://www.rba.gov.au/publications/fsr/2006/sep/box-b.html
Resilience of Australian Households and Businesses
22 Mar 2024
FSR
– March 2024
Resilience of Australian Households and Businesses | Financial Stability Review – March 2024
https://www.rba.gov.au/publications/fsr/2024/mar/resilience-of-australian-households-and-businesses.html
How Risky is Australian Household Debt?
25 Aug 2020
RDP
2020-05
For example, banks can be more willing to lend at higher loan-to-valuation ratios (LVRs) in countries where they are confident of their legal ability to seize collateral (Jappelli et ... We unfortunately do not have any robust indicators of permissable
https://www.rba.gov.au/publications/rdp/2020/2020-05/full.html
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The Australian Financial System
8 Apr 2022
FSR
– April 2022
LVR Lending?’) (Graph 3.9). ... Over the same time period, non-bank loan-to-valuation ratios (LVRs) have increased slightly but the proportion of lending with a LVR above 90 per cent has been steady.
https://www.rba.gov.au/publications/fsr/2022/apr/australian-financial-system.html
Macroprudential Policy Frameworks and Tools
15 Dec 2016
Bulletin
– December 2016
Over the past decade, policymakers have increasingly used macroprudential tools to address a range of financial stability concerns. International institutions have identified and offered guidance on the components of an effective macroprudential
https://www.rba.gov.au/publications/bulletin/2016/dec/8.html