Search: LVR
RBA Glossary definition for LVR
LVR – Loan-to-valuation ratio
Search Results
Domestic Financial Conditions
5 Nov 2020
SMP
– November 2020
Lenders required more recent verification of income and were a bit more cautious about lending to borrowers with high loan-to-valuation ratios (LVRs), or to those employed in sectors most ... Banks have also indicated a bit more appetite for higher LVR
https://www.rba.gov.au/publications/smp/2020/nov/domestic-financial-conditions.html
Household and Business Finances in Australia
9 Oct 2020
FSR
– October 2020
effect. The loosening includes returning LVRs and the discounts applied to less reliable income such as rent, bonuses and overtime to their previous levels. ... However, risks to banks appear reasonably low. Banks' lending for off-the-plan apartments
https://www.rba.gov.au/publications/fsr/2020/oct/household-business-finances-in-australia.html
Insights from the New Economic and Financial Statistics Collection
17 Sep 2020
Bulletin
– September 2020
The Reserve Bank has worked with the Australian Bureau of Statistics (ABS) and the Australian Prudential Regulation Authority (APRA) to modernise and expand data collected from Australia’s financial sector.
https://www.rba.gov.au/publications/bulletin/2020/sep/insights-from-the-new-economic-and-financial-statistics-collection.html
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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Domestic Financial Conditions
7 Aug 2020
SMP
– August 2020
Some banks have adjusted interest rates to make new loans with high loan-to-valuation ratios (LVRs) less attractive than new loans with low LVRs or lowered the maximum LVRs on
https://www.rba.gov.au/publications/smp/2020/aug/domestic-financial-conditions.html
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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Household and Business Finances in Australia
9 Apr 2020
FSR
– April 2020
This is shown by an increase in the share of loans with loan-to-valuation (LVR) ratios exceeding 100 per cent (Graph 2.10).
https://www.rba.gov.au/publications/fsr/2020/apr/household-business-finances-in-australia.html
Box D: Enhancing the Transparency of Interest Rates
6 Feb 2020
SMP
– February 2020
Mortgage rates vary across interest-only and principal-and-interest repayments, variable- and fixed-rate loans, loan sizes and loan-to-valuation ratios (LVRs). ... By contrast, there is much less differentiation in the average interest rates paid by
https://www.rba.gov.au/publications/smp/2020/feb/box-d-enhancing-the-transparency-of-interest-rates.html
Household and Business Finances
4 Oct 2019
FSR
– October 2019
Graph 2.7. The reduced share of lending at high loan-to-valuation ratios (LVRs) and on interest-only (IO) terms over recent years has limited the share of mortgages in ... If this was to occur, highly leveraged investors would be vulnerable to breaching
https://www.rba.gov.au/publications/fsr/2019/oct/household-business-finances.html
The Australian Financial System
4 Oct 2019
FSR
– October 2019
weights on mortgages calculated under the standardised approach will become more sensitive to the loan-to-valuation ratio (LVR), and commercial property risk weights under the standardised approach will vary more ... with both LVR and the extent to which
https://www.rba.gov.au/publications/fsr/2019/oct/australian-financial-system.html