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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
John Simon and Tahlee Stone
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
John Simon and Tahlee Stone
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

How Much Debt Do FHBs Take on?

18 Sep 2017 RDP 2017-05
John Simon and Tahlee Stone
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

Appendix A: Data

18 Sep 2017 RDP 2017-05
John Simon and Tahlee Stone
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

Literature Review

18 Sep 2017 RDP 2017-05
John Simon and Tahlee Stone
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
John Simon and Tahlee Stone
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
John Simon and Tahlee Stone
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
John Simon and Tahlee Stone
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
John Simon and Tahlee Stone
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
John Simon and Tahlee Stone
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