Search: LVR

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RBA Glossary definition for LVR

LVR – Loan-to-valuation ratio

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Mortgage Macroprudential Policies

8 Oct 2021 FSR – October 2021
Israel. LVR limits. 2012. 75% for first home buyers. 70% for other owner-occupiers. ... LVR limit. 2015. 60% for interest only loans. 60% for secondary dwellings in Oslo.
https://www.rba.gov.au/publications/fsr/2021/oct/mortgage-macroprudential-policies.html

Household and Business Finances in Australia

8 Oct 2021 FSR – October 2021
Loans currently on deferral tend to have riskier characteristics than other loans, including higher loan-to-valuation ratios (LVRs) at origination or low prepayment buffers (Graph 2.5). ... declined sharply following the end of the 2020/21 First Home
https://www.rba.gov.au/publications/fsr/2021/oct/household-business-finances-in-australia.html

Climate Change Risks to Australian Banks

16 Sep 2021 Bulletin – September 2021
Kellie Bellrose, David Norman and Michelle Royters
Climate change affects banks because of the impact it has on the value of assets used as collateral for loans and the incomes borrowers’ use to repay their loans.
https://www.rba.gov.au/publications/bulletin/2021/sep/climate-change-risks-to-australian-banks.html

Read me

26 Jul 2021 RDP 2021-07
Nicholas Garvin, Alex Kearney and Corrine Rosé
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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The Global Financial Environment

8 Apr 2021 FSR – April 2021
These restrictions had limited banks' high-LVR lending: for investors to 5 per cent of new lending at LVRs above 70 per cent and for owner occupiers to 20 per cent ... LVR restrictions will be further tightened from May so that no more than
https://www.rba.gov.au/publications/fsr/2021/apr/global-financial-environment.html

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: Risks in Retail Commercial Property

8 Apr 2021 FSR – April 2021
According to the Australian Prudential Regulation Authority's (APRA's) 2018 review on commercial property lending, the vast majority of CRE loans have been written with loan-to-valuation ratios (LVRs) ... The application of loan covenants – such as
https://www.rba.gov.au/publications/fsr/2021/apr/box-b-risks-in-retail-commercial-property.html

Domestic Financial Conditions

4 Feb 2021 SMP – February 2021
Banks have also indicated more appetite for loans with higher loan-to-valuation ratios (LVRs).
https://www.rba.gov.au/publications/smp/2021/feb/domestic-financial-conditions.html

Banking and the COVID-19 Pandemic

15 Dec 2020 Speech
Jonathan Kearns
Speech delivered by Jonathan Kearns, Head of Financial Stability, to UNSW's 33rd Australasian Finance and Banking Conference, Sydney
https://www.rba.gov.au/speeches/2020/sp-so-2020-12-15.html

Transcript of Question & Answer Session on 15 December 2020

15 Dec 2020 Speech
Jonathan Kearns
Transcript of Question & Answer Session, to UNSW's 33rd Australasian Finance and Banking Conference, Sydney
https://www.rba.gov.au/speeches/2020/sp-so-2020-12-15-q-and-a-transcript.html