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RBA Glossary definition for LVR

LVR – Loan-to-valuation ratio

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Mortgage-related Financial Difficulties: Evidence from Australian Micro-level Data

25 Nov 2014 RDP 2014-13
Matthew Read, Chris Stewart and Gianni La Cava
The loan-level analysis indicates that the probability of entering arrears increases with the loan-to-valuation ratio (LVR) at origination, and is particularly high for loans with an LVR above
https://www.rba.gov.au/publications/rdp/2014/2014-13.html
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How Risky is Australian Household Debt?

19 Aug 2020 RDP PDF 1880KB
For example, banks can. be more willing to lend at higher loan-to-valuation ratios (LVRs) in countries where they are. ... Ideally we would include. maximum permissible LVRs as a more direct measure of banks’ willingness to lend, but we.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-05.pdf

BA-MARTIN in Detail

18 Jan 2022 RDP 2022-01
Anthony Brassil, Mike Major and Peter Rickards
For example, the influence of households' loan-to-valuation ratios (LVRs) and prepayment buffers at their 2017/18 surveyed levels is implicitly captured within the modelled relationships between the three included ... lower LVRs would mute the marginal
https://www.rba.gov.au/publications/rdp/2022/2022-01/ba-martin-in-detail.html
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Appendix D: Variable Definitions and Summary Statistics

31 Dec 2006 RDP 2006-08
Carl Schwartz, Tim Hampton, Christine Lewis and David Norman
The LVR for each household is based on all houses and loans held by that household. ... 111,600. Median LVR. Ratio. 0.33. 0.58. 0.57. 0.39. By household. Share owning that property.
https://www.rba.gov.au/publications/rdp/2006/2006-08/appendix-d.html
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Asset Prices, Credit Growth, Monetary and Other Policies: An Australian Case Study

14 Sep 2010 RDP PDF 296KB
In response, the HKMA decreased the maximum LVR on luxury properties (HK$20 million and above) to 60 per cent. ... 29 APRA now collects data on types of loans by banking institutions and LVRs on new loans.
https://www.rba.gov.au/publications/rdp/2010/pdf/rdp2010-06.pdf

MARTIN Gets a Bank Account: Adding a Banking Sector to the RBA’s Macroeconometric Model

12 Jan 2022 RDP PDF 1774KB
10. valuation ratios (LVRs) and prepayment buffers at their 2017/18 surveyed levels is implicitly captured. ... e.g. lower LVRs would mute the marginal effect of housing price declines on losses).
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-01.pdf

Lending Behaviour

31 Dec 2013 RDP 2013-15
Chris Stewart, Benn Robertson and Alexandra Heath
This has included, for example, competing for new borrowers with discounts based on both loan size and the loan-to-valuation ratio (LVR) (Table 2). ... LVR. (%). Loan size. $250,000. $500,000. $750,000. $1,000,000. 90–100. 63. 75.
https://www.rba.gov.au/publications/rdp/2013/2013-15/lending-behaviour.html

Glossary

2 Sep 2003 RBA Annual Report – 2003
IMF. International Monetary Fund. LVR. Loan-to-valuation ratio. NNPC. National Note Processing Centre.
https://www.rba.gov.au/publications/annual-reports/rba/2003/glossary.html

Financial System Stability

2 Sep 2003 RBA Annual Report – 2003
LVRs on new housing loans appear to average 65–70 per cent across lending portfolios. ... For housing loans with LVRs above 80 per cent, authorised deposit-taking institutions generally have protection in the form of mortgage insurance.
https://www.rba.gov.au/publications/annual-reports/rba/2003/fin-sys-stability.html

RBA Annual Report - Financial System Stability

3 Sep 2003 Annual Report PDF 430KB
the loan-to-valuation ratio (LVR) – and the excess. FINANCIAL SYSTEM STABILITY 17. ... repayments that borrowers have made at their. discretion. Low LVRs and high excess repayments both.
https://www.rba.gov.au/publications/annual-reports/rba/2003/pdf/fin-sys-stability.pdf