Search: DSR

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RBA Glossary definition for DSR

DSR – Debt-servicing ratio

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Box C: Large Falls in Household Income

20 Oct 2017 FSR – October 2017
Previous research has found that households with high DSRs are more likely to miss mortgage repayments. ... Over the sample period, a DSR above 30 per cent corresponds to around the 75th percentile of the DSR distribution.
https://www.rba.gov.au/publications/fsr/2017/oct/box-c.html

Box C: Vulnerable Households and Financial Stress

20 Oct 2018 FSR – October 2018
It is possible to calculate alternative DSRs using inferred values for households' required debt payments. ... A high DSR is therefore more suggestive of potential vulnerability for a lower-income household.
https://www.rba.gov.au/publications/fsr/2018/oct/box-c.html

Box B: The Impact of Lending Standards on Loan Sizes

20 Oct 2018 FSR – October 2018
Unlike the simple DSR, the NIS is tailored for the specific characteristics of each borrower. ... The interaction between the NIS and a DSR limit can be shown using an example.
https://www.rba.gov.au/publications/fsr/2018/oct/box-b.html

Results

22 Jul 2020 RDP 2020-03
Michelle Bergmann
Under 1 month. 2.32. na. Over 6 months. 0.33. na. DSR (base = 10–20). ... Figure 10: Stage One Hazard Ratios – DSR. Event: entries to 90+ day arrears.
https://www.rba.gov.au/publications/rdp/2020/2020-03/results.html
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Household-level Determinants of Missed Mortgage Payments

31 Dec 2014 RDP 2014-13
Matthew Read, Chris Stewart and Gianni La Cava
Coefficient. Marginal effect ppt. DSR. 30 DSR<50. 0.35. 3.57. DSR 50. ... average, 10 percentage points higher than for a DSR under 30 per cent.
https://www.rba.gov.au/publications/rdp/2014/2014-13/household-level-determinants.html
See 2 more results from "RDP 2014-13"

Box B: Home Mortgage Debt: Recent Insights from the HILDA Survey

10 Mar 2012 FSR – March 2012
The share of owner-occupier households that could be considered to be most vulnerable, that is, with both high DSRs and high loan-to-valuation ratios (LVRs), has decreased in recent ... The measure of debt servicing recorded in the HILDA Survey covers
https://www.rba.gov.au/publications/fsr/2012/mar/box-b.html

List of tables

10 Mar 2011 FSR – March 2011
18.3. 17.4. 19.7. 15.2. DSR>50 per cent. 8.8. 10.0. 6.0. 3.4.
https://www.rba.gov.au/publications/fsr/2011/mar/tables.html

Box B: Households' Mortgage Prepayment Buffers

10 Sep 2012 FSR – September 2012
The share of owner-occupier households that could be considered to be most vulnerable, that is, with both high debt-servicing ratios (DSRs) and high loan-to-valuation ratios (LVRs), was ... For these borrowers, this would suggest that their high DSRs are
https://www.rba.gov.au/publications/fsr/2012/sep/box-b.html

List of graphs

10 Sep 2012 FSR – September 2012
Graph B4: Households with High LVRs and DSRs.
https://www.rba.gov.au/publications/fsr/2012/sep/graphs.html

Box C: Household Experiences in the Downturn: Evidence from the HILDA Survey

10 Mar 2011 FSR – March 2011
In line with the reduction in mortgage repayments, the median debt-servicing ratio (DSR) – the percentage of household disposable income required to service actual principal and interest payments on an ... For many households, the DSR on the required
https://www.rba.gov.au/publications/fsr/2011/mar/box-c.html