Notes: ***, ** and you can * signify mathematical benefits during the 0
Notes: Dots represent new cousin threat proportion of the 99th percentile observation to the 1st percentile; bars depict brand new interquartile variety; possibility rates which might be less than 1 try upside down (a) Estimate off design excluding the brand new SEIFA changeable
Appendix B : Complete Show
Appendix B : Full Abilities
Dependent changeable:
Inserted ninety+ go out arrears
Entered 90+ go out arrears
Registered 90+ go out arrears
Registered ninety+ big date arrears
Joined ninety+ date arrears
Full repayment
Sample:
Every funds
All the loans
Non-mining
Mining-open
Negative collateral
All the financing
Model:
Base
Excl SEIFA
Base
Base
Base
Base
Detailed arranged LVR (ft = (sixty,70])
(0,30]
0.900* (0.045)
0.882* (0.045)
0.873* (0.050)
step one.068 (0.115)
n/an excellent
0.834*** (0.008)
(30,40]
0.779*** (0.045)
0.769*** (0.045)
0.763*** (0.049)
0.854 (0.129)
n/an excellent
0.787*** (0.008)
(forty,50]
0.827*** (0.035)
0.820*** (0.035)
0.813*** (0.037)
0.926 (0.104)
n/a good
0.830*** (0.006)
(50,60]
0.885*** (0.027)
0.881*** (0.027)
0.885*** (0.029)
0.906 (0.089)
n/a good
0.918*** (0.005)
(70,80]
1.142*** (0.023)
1.145*** (0.023)
step 1.167*** (0.025)
0.954 (0.065)
n/good
0.989 (0.005)
(80,90]
step one.319*** (0.027)
step 1.322*** (0.027)
step one.319*** (0.032)
1.153* (0.061)
n/a great
0.816*** (0.007)
(90,100]
step one.494*** (0.036)
step 1.485*** (0.036)
step one.497*** (0.053)
step 1.295*** (0.067)
n/an effective
0.556*** (0.012)
(100,110]
step 1.872*** (0.046)
step 1.841*** (0.046)
step one.745** (0.141)
1.652*** (0.073)
Base
0.398*** (0.024)
(110,120]
2.014*** (0.070)
1.963*** (0.070)
dos.233** (0.270)
1.737*** (0.093)
step one.019 (0.076)
0.410*** (0.048)
(120,150]
dos.129*** (0.083)
dos.041*** (0.083)
dos.074* (0.260)
step one.750*** (0.105)
step 1.006 (0.094)
0.605** (0.048)
(150,200]
2.730*** (0.145)
dos.623*** (0.145)
n/a great
dos.530*** (0.161)
1.294 (0.160)
0.670* (0.098)
200+
3.299*** (0.201)
step 3.233*** (0.201)
n/an effective
3.657*** (0.217)
1.488* (0.230)
0.652* (0.177)
Totally new LVR (base = (60,80])
(0,60]
step 1.054 (0.028)
step 1.051 (0.028)
step 1.093* (0.032)
0.856* (0.062)
0.767 (0.216)
step 1.087*** (0.005)
80+
step 1.286*** (0.019)
step one.307*** (0.019)
step one.312*** (0.023)
1.241*** (0.038)
step 1.415** (0.091)
step 1.145*** (0.005)
Turnover proportion
step 1.014 (0.007)
1.020 (0.007)
step 1.030* (0.007)
0.934 (0.026)
step one.008 (0.040)
step one.041*** (0.001)
Unemployment rate
1.075** (0.018)
1.207*** (0.018)
1.137 (0.042)
1.150** (0.034)
step 1.083 (0.073)
1.061 (0.007)
Jobless rates^2
0.998* (0.001)
0.994** (0.001)
0.992 (0.003)
0.996* (0.002)
step one.000 (0.003)
0.996 (0.000)
Serviceability ratio (foot = (ten,20])
(0,10]
0.605*** (0.030)
0.618*** (0.030)
0.586*** (0.036)
0.659*** (0.055)
0.550*** (0.112)
step one.016* (0.005)
(20,30]
step one.418*** (0.019)
step 1.400*** (0.019)
1.469*** (0.023)
step one.280*** (0.037)
1.150 (0.075)
step 1.008 (0.004)
(29,40]
step 1.803*** (0.024)
step 1.768*** (0.024)
step one.923*** (0.028)
step 1.497*** (0.048)
step 1.367** (0.101)
0.988 (0.006)
40+
step 1.926*** (0.033)
1.883*** (0.033)
2.015*** (0.039)
1.731*** (0.064)
step 1.550*** (0.145)
0.934*** (0.009)
Lagged change in interest levels (bps; foot = (2,2])
