Search: LVR
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
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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Read me
26 Jul 2021
RDP
2021-07
LVR_dataset_formatting.R: reads the data_for_macropru_analysis.csv file and reformats it for the LVR regressions in Section 7.1. ... This script produces the lvr_data_for_analysis.csv file to be read by Stata.
https://www.rba.gov.au/publications/rdp/2021/2021-07/read-me.html
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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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Appendix D: Variable Definitions and Summary Statistics
31 Dec 2006
RDP
2006-08
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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General Discussion on Financial Markets, Institutions and Liquidity | Conference – 2013
19 Aug 2013
Conferences
One participant asked whether empirical evidence suggested that macroprudential policy tools such as LVRs were effective. ... Evidence from Italy was cited to suggest that while LVR restrictions could dampen house prices in the short run, this effect was
https://www.rba.gov.au/publications/confs/2013/allen-carletti-disc.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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BA-MARTIN in Detail
18 Jan 2022
RDP
2022-01
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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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
Financial Stability in a Low Interest Rate Environment: An Australian Case Study | Conference – 2017
16 Mar 2017
Conferences
solely, or even initially, in terms of high loan-to-valuation ratio (LVR) lending, as had been the case in some other countries. ... Calls by some observers during this period for APRA to put quantitative constraints on high LVR lending therefore struck
https://www.rba.gov.au/publications/confs/2017/ellis-littrell.html