Search: LVR
RBA Glossary definition for LVR
LVR – Loan-to-valuation ratio
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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: Debt Overhang Model
10 Jul 2019
RDP
2019-06
D. 1. D. =. φ. D. A. 0. where the maximum LVR in any period is given by.
https://www.rba.gov.au/publications/rdp/2019/2019-06/appendix-a.html
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The Effect of Mortgage Debt on Consumer Spending: Evidence from Household-level Data
9 Jul 2019
RDP
PDF
2076KB
The Effect of Mortgage Debt on Consumer Spending: Evidence from. Household-level Data. Fiona Price, Benjamin Beckers and Gianni La Cava. Research Discussion Paper. R D P 2019 - 06. Figures in this publication were generated using Mathematica. The
https://www.rba.gov.au/publications/rdp/2019/pdf/rdp2019-06.pdf
The Role of the Deposit
18 Sep 2017
RDP
2017-05
This suggests that the change in deposits has not been driven solely by, for example, the elimination of particularly small deposits that might have been associated with relatively risky high LVR ... 5 per cent of the purchase price), only required for
https://www.rba.gov.au/publications/rdp/2017/2017-05/the-role-of-the-deposit.html
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The Property Ladder after the Financial Crisis: The First Step is a Stretch but Those Who Make It Are Doing OK
6 Sep 2017
RDP
PDF
1368KB
despite maintaining a similar median loan-to-valuation ratio (LVR) of around 83 per cent.
https://www.rba.gov.au/publications/rdp/2017/pdf/rdp2017-05.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
Trends in the Funding and Lending Behaviour of Australian Banks
2 Feb 2015
RDP
PDF
1090KB
23. ratio (LVR) (Table 2).17 From the lender’s perspective it is advantageous to compete for new borrowers with discounts because it allows the lender to offer attractive terms to ... LVR Loan size (%) $250 000 $500 000 $750 000 $1 000 000 90–100 63
https://www.rba.gov.au/publications/rdp/2013/pdf/rdp2013-15.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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Lending Behaviour
31 Dec 2013
RDP
2013-15
This has included, for example, competing for new borrowers with discounts based on both loan size and the loan-to-valuation ratio (LVR) (Table 2). ... LVR. (%). Loan size. $250,000. $500,000. $750,000. $1,000,000. 90–100. 63. 75.
https://www.rba.gov.au/publications/rdp/2013/2013-15/lending-behaviour.html
Asset Prices, Monetary and Other Policies
31 Dec 2010
RDP
2010-06
Also, regulations have evolved with the financial system. For example, maximum LVRs were increased to incorporate the use of lenders' mortgage insurance (LMI) (Yam 2009). ... In response, the HKMA decreased the maximum LVR on luxury properties (HK$20
https://www.rba.gov.au/publications/rdp/2010/2010-06/asset-prices-monetary.html
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