Search: LVR
RBA Glossary definition for LVR
LVR – Loan-to-valuation ratio
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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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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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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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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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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 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 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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Appendix A: Literature Review
31 Dec 2014
RDP
2014-13
Discrete-time hazard. Loan. US. Elul et al (2010). LVR; Gearing. Unemployment. ... LVR. Unemployment; Household income. Both. Cox proportional hazard. Loan. US. Deng et al (2000).
https://www.rba.gov.au/publications/rdp/2014/2014-13/appendix-a.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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