Search: LVR
RBA Glossary definition for LVR
LVR – Loan-to-valuation ratio
Search Results
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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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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Household and Business Finances in Australia
8 Apr 2021
FSR
– April 2021
Despite typically having higher initial LVRs than other borrowers, prior to the pandemic first home buyers tended to pay down their debt relatively quickly. ... Property’). Impairment rates on commercial property lending remain low, consistent with
https://www.rba.gov.au/publications/fsr/2021/apr/household-business-finances.html
Box B: Housing Price Falls and Negative Equity
10 Feb 2020
FSR
April 2019
PDF
639KB
https://www.rba.gov.au/publications/fsr/2019/apr/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
10 Feb 2020
FSR
October 2018
PDF
634KB
https://www.rba.gov.au/publications/fsr/2018/oct/pdf/box-b.pdf
Housing Accessibility for First Home Buyers
7 Dec 2017
Bulletin
– December 2017
The ability of Australians to purchase their first home (‘housing accessibility’) has been an important topic of public debate recently. In this article, we construct an indicator of housing accessibility that suggests that the median potential
https://www.rba.gov.au/publications/bulletin/2017/dec/3.html
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
Macroprudential Policy Frameworks and Tools
15 Dec 2016
Bulletin
– December 2016
Over the past decade, policymakers have increasingly used macroprudential tools to address a range of financial stability concerns. International institutions have identified and offered guidance on the components of an effective macroprudential
https://www.rba.gov.au/publications/bulletin/2016/dec/8.html
Box A: Risks in International Housing Markets
20 Oct 2017
FSR
– October 2017
For instance, lending at high loan-to-valuation ratios (LVRs) has worried regulators in many countries, in part because households that borrow at high LVRs are more likely to fall into ... For example, the share of high-LVR loans on banks' balance sheets
https://www.rba.gov.au/publications/fsr/2017/oct/box-a.html