Search: LVR
RBA Glossary definition for LVR
LVR – Loan-to-valuation ratio
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Recent Developments in Low-deposit Loans
10 Oct 2003
Bulletin
– October 2003
Most financiers, therefore, differentiate high LVR loans from other loans in three main ways:. ... However, the borrowers do provide a deposit – the maximum LVR is usually 75–80 per cent.
https://www.rba.gov.au/publications/bulletin/2003/oct/1.html
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
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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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
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
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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Recent Developments in Margin Lending in Australia
10 Dec 2009
Bulletin
– December 2009
The average loan-to-valuation ratio (LVR) was around 50 per cent on accounts with non-zero balances. ... This is consistent with most stocks and managed funds having a maximum LVR of between 40–80 per cent.
https://www.rba.gov.au/publications/bulletin/2009/dec/2.html