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RBA Glossary definition for DSR

DSR – Debt-servicing ratio

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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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The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis

19 Jul 2020 RDP PDF 1853KB
The first of these is the debt. serviceability ratio (DSR); in the event of a reduction in income, a borrower with low relative servicing.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-03.pdf

Which Firms Get Credit? Evidence from Firm-level Data

13 Dec 2018 Bulletin – December 2018
Gabriela Araujo and Jonathan Hambur
To improve our understanding of how lenders assess firms’ creditworthiness, this article relates the characteristics of firms to whether their applications for credit were approved.
https://www.rba.gov.au/publications/bulletin/2018/dec/which-firms-get-credit-evidence-from-firm-level-data.html

Which Firms Get Credit Evidence From Firm Level Data

12 Dec 2018 Bulletin - December 2018 PDF 481KB
https://www.rba.gov.au/publications/bulletin/2018/dec/pdf/which-firms-get-credit-evidence-from-firm-level-data.pdf

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

4 Feb 2015 RDP PDF 728KB
Figure 3: Missed Mortgage Payments by DSR and Labour Force StatusShare of households by category. ... 2010. Note: Gearing and DSR as at previous surveySources: Authors’ calculations; HILDA Release 12.0.
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-13.pdf

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
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