Search: DSR
RBA Glossary definition for DSR
DSR – Debt-servicing ratio
Search Results
Box B: The Impact of Lending Standards on Loan Sizes
10 Feb 2020
FSR
October 2018
PDF
634KB
https://www.rba.gov.au/publications/fsr/2018/oct/pdf/box-b.pdf
Box C: Vulnerable Households and Financial Stress
10 Feb 2020
FSR
October 2018
PDF
635KB
https://www.rba.gov.au/publications/fsr/2018/oct/pdf/box-c.pdf
Box B: The Impact of Lending Standards on Loan Sizes
20 Oct 2018
FSR
– October 2018
Unlike the simple DSR, the NIS is tailored for the specific characteristics of each borrower. ... The interaction between the NIS and a DSR limit can be shown using an example.
https://www.rba.gov.au/publications/fsr/2018/oct/box-b.html
Box C: Vulnerable Households and Financial Stress
20 Oct 2018
FSR
– October 2018
It is possible to calculate alternative DSRs using inferred values for households' required debt payments. ... A high DSR is therefore more suggestive of potential vulnerability for a lower-income household.
https://www.rba.gov.au/publications/fsr/2018/oct/box-c.html
Results
22 Jul 2020
RDP
2020-03
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
See 3 more results from "RDP 2020-03"
Box C: Large Falls in Household Income
20 Oct 2017
FSR
– October 2017
Previous research has found that households with high DSRs are more likely to miss mortgage repayments. ... Over the sample period, a DSR above 30 per cent corresponds to around the 75th percentile of the DSR distribution.
https://www.rba.gov.au/publications/fsr/2017/oct/box-c.html
Household-level Determinants of Missed Mortgage Payments
31 Dec 2014
RDP
2014-13
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
See 2 more results from "RDP 2014-13"
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
Box C: Large Falls in Household Income
10 Feb 2020
FSR
October 2017
PDF
623KB
https://www.rba.gov.au/publications/fsr/2017/oct/pdf/box-c.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