Search: LVR
RBA Glossary definition for LVR
LVR – Loan-to-valuation ratio
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Speech How Are Households Placed for Interest RateIncreases? Michele ...
19 Jul 2022
Speech
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476KB
1.0. 1.5. 2.0. %. 0.0. 0.5. 1.0. 1.5. 2.0. %. LVR. ... LVR 90. DTI 6. LVR > 90. LVR series breaks at March 2018 due to reporting changes.Sources: APRA; RBA.
https://www.rba.gov.au/speeches/2022/pdf/sp-dg-2022-07-19.pdf
Mortgage Insights From Securitisation Data
21 Nov 2017
Speech
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172KB
This reflects a few factors. Banks limit loanswith LVRs (at origination) above 80 per cent, and these high-LVR borrowers are typically required topay for lenders' mortgage insurance. ... Preliminary econometric analysis suggests that LVRs and loan
https://www.rba.gov.au/speeches/2017/pdf/sp-so-dm-2017-11-20.pdf
Some Innovative Mortgage Data
13 Aug 2017
Speech
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403KB
We refer to this here as the ‘current LVR’. This is one indicator of the riskiness of a loan.Other things equal, higher LVRs tend to be associated with a greater ... That is consistent with banks limiting the shareof loans with LVRs (at origination)
https://www.rba.gov.au/speeches/2017/pdf/sp-ag-2017-08-14.pdf
Securitisation: Past, Present and Future
30 Nov 2022
Speech
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884KB
Speech - 2022
https://www.rba.gov.au/speeches/2022/pdf/sp-so-2022-11-30.pdf
The Housing Market and Financial Stability
23 Sep 2021
Speech
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322KB
LVR90. DTI6. LVR>90. LVR series breaks at March 2018 due to reporting changesSources: APRA; RBA.
https://www.rba.gov.au/speeches/2021/pdf/sp-ag-2021-09-22.pdf
3/21/2019 Property, Debt and Financial Stability | Speeches | ...
21 Mar 2019
PDF
426KB
Loans at high loan-to-valuation (LVR) ratios and interest-only loans are less common than they were and most householdshave not been borrowing the maximum amount available. ... Banks are more closely adhering to their lending policies, resulting infewer
https://www.rba.gov.au/speeches/2019/pdf/sp-ag-2019-03-20.pdf
Prudent Mortgage Lending Standards Help Ensure Financial Stability
22 Feb 2012
Speech
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90KB
But the focus should not be on maximum LVRs at origination, ignoring all other aspects of lending standards. ... Looking at LVRs just at origination also ignores how these ratios evolve over the life of the loan, and how they are distributed across
https://www.rba.gov.au/speeches/2012/pdf/sp-so-230212.pdf
Banking and the COVID-19 Pandemic
15 Dec 2020
Speech
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299KB
dynamic’) loan-to-valuationratios (LVRs) are not high reflecting moderate initial LVRs, the accumulation of scheduled and excess. ... In addition, LVRs for CRE are typically justover 50 per cent and loans for property development require a substantial
https://www.rba.gov.au/speeches/2020/pdf/sp-so-2020-12-15.pdf
The Limits of Interest-only Lending
9 May 2018
Speech
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326KB
Theextent of that can be gauged by estimating LVRs from the Securitisation Dataset. ... The most vulnerable are likely to beowner-occupiers, with high LVRs, who might find it more difficult to refinance or resolve theirsituation by selling the property.
https://www.rba.gov.au/speeches/2018/pdf/sp-ag-2018-04-24.pdf
Recent Developments in the Global and Australian Economies
24 Mar 2010
Speech
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118KB
Some lenders have also tightened terms and conditions, including by further reducing maximum loan-to-valuation ratios (LVRs). ... On the financing side, we are currently not. 10. seeing the type of financial developments that caused concern in 2002 and
https://www.rba.gov.au/speeches/2010/pdf/sp-ag-250310.pdf