Search: DSR
RBA Glossary definition for DSR
DSR – Debt-servicing ratio
Search Results
Box B: Housing Loan Arrears – Insights From Western Australia
4 Oct 2019
FSR
– October 2019
Graph B.1. Loans with larger repayments relative to income at origination (debt-servicing ratios (DSRs)) have had larger increases in arrears rates (Graph B.2; left panel). ... Notably, the increase in the arrears rate has been much larger for loans
https://www.rba.gov.au/publications/fsr/2019/oct/box-b-housing-loan-arrears-insights-from-western-australia.html
Box A: Household Sector Risks in China
3 Oct 2019
FSR
- October 2019
PDF
279KB
https://www.rba.gov.au/publications/fsr/2019/oct/pdf/box-a-household-sector-risks-in-china.pdf
Box B: Housing Loan Arrears – Insights From Western Australia
3 Oct 2019
FSR
- October 2019
PDF
265KB
https://www.rba.gov.au/publications/fsr/2019/oct/pdf/box-b-housing-loan-arrears-insights-from-western-australia.pdf
Which Firms Get Credit? Evidence from Firm-level Data
13 Dec 2018
Bulletin
– December 2018
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
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
Monetary Policy and Financial Stability in a World of Low Interest Rates
18 Dec 2017
Conferences
PDF
8052KB
RBA Conference Volume 2017
https://www.rba.gov.au/publications/confs/2017/pdf/rba-conference-volume-2017.pdf
Submission to the Financial System Inquiry March 2014
10 Nov 2017
Submissions
PDF
3041KB
Financial System Inquiry
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/pdf/financial-system-inquiry-2014-03.pdf
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