Search: LVR
RBA Glossary definition for LVR
LVR – Loan-to-valuation ratio
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Macrofinancial Stress Testing on Australian Banks
13 Sep 2023
RDP
PDF
1940KB
focus on those whose institutional and legal frameworks, LVR distribution, and borrower and bank. ... property) by extrapolating current LVRs (that is, current debt outstanding relative to the purchase.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-03.pdf
The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis
19 Jul 2020
RDP
PDF
1853KB
Figure 6: Cumulative Transitions. Transitions of securitised loans in 90+ day arrears, by indexed LVR. ... indexed LVRs and changes to required loan repayments, the model is estimated using quarterly.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-03.pdf
Mortgage-related Financial Difficulties: Evidence from Australian Micro-level Data
4 Feb 2015
RDP
PDF
728KB
90 LVR< 100 3.47 Other 1.16LVR 100 2.77 Local unemployment rate 1.03. ... LVR at origination that is overestimated (because the valueof the collateral is underestimated).
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-13.pdf
Appendix A: Model Specifications
20 Sep 2022
RDP
2022-03
Housing loans with LMI ($). APRA (ARF_223.0). OutstandingMortgagesLVR 80. Mortgages with LVRs 80. ... o. s. t. C. R. E. ). is added for all LVRs above a minimum threshold. (.
https://www.rba.gov.au/publications/rdp/2022/2022-03/appendix-a.html
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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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Macroprudential Limits on Mortgage Products: The Australian Experience
26 Jul 2021
RDP
2021-07
LVR loans, and substitution into non-targeted housing credit was concentrated in low LVR loans. ... In line with the other policies implemented, most papers focus on the impact of LTI and LVR limits.
https://www.rba.gov.au/publications/rdp/2021/2021-07/full.html
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Macroprudential Limits on Mortgage Products: The Australian Experience
4 Aug 2021
RDP
PDF
2345KB
high LVRs and LTIs, but quantitative limits were only set for the specific mortgage products. ... one ‘basic’ occupier P&I package and another high LVR occupier P&I package.
https://www.rba.gov.au/publications/rdp/2021/pdf/rdp2021-07.pdf
Loan-level Determinants of Housing Loan Arrears
31 Dec 2014
RDP
2014-13
0.59. Loan purpose. 90 LVR < 100. 0.72. Home improvement. 0.21. ... SHR. Explanatory variable. SHR. Amortisation. 0.99. Investor. 0.91. LVR at origination.
https://www.rba.gov.au/publications/rdp/2014/2014-13/loan-level-determinants.html
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Read me file for Macroprudential Limits on Mortgage Products: The Australian Experience
22 Jul 2021
RDP
PDF
552KB
RDP 2021-07 supplementary information
https://www.rba.gov.au/publications/rdp/2021/2021-07/rdp-2021-07-read-me.pdf
New Financial Stability Governance and Central Banks | Conference – 2017
16 Mar 2017
Conferences
authority if they were to want to use LVRs as a macroprudential tool (Table 2). ... economies where the MoF (or the government) sets LVRs there exists an FSC in all but one.
https://www.rba.gov.au/publications/confs/2017/edge-liang.html