Notes: Dots portray the fresh new relative threat proportion of one’s 99th percentile observation with the 1st percentile; pubs represent the newest interquartile assortment; danger ratios that are lower than 1 was ugly (a) Estimate out of design excluding the new SEIFA varying

Appendix B : Full Performance

Appendix B : Full Performance

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Legsd changeable:	Joined 90+ date arrears	Inserted ninety+ go out arrears	Joined ninety+ date arrears	Registered ninety+ big date arrears	Registered ninety+ time arrears	Full fees
Sample:	All the financing	Most of the fund	Non-exploration	Mining-started	Bad equity	All financing
Model:	Base	Excl SEIFA	Base	Base	Base	Base
Noted arranged LVR (ft = (60,70])
(0,30]	0.900* (0.045)	0.882* (0.045)	0.873* (0.050)	step 1.068 (0.115)	n/an excellent	0.834*** (0.008)
(31,40]	0.779*** (0.045)	0.769*** (0.045)	0.763*** (0.049)	0.854 (0.129)	n/an effective	0.787*** (0.008)
(40,50]	0.827*** (0.035)	0.820*** (0.035)	0.813*** (0.037)	0.926 (0.104)	n/an excellent	0.830*** (0.006)
(fifty,60]	0.885*** (0.027)	0.881*** (0.027)	0.885*** (0.029)	0.906 (0.089)	n/a	0.918*** (0.005)
(70,80]	step one.142*** (0.023)	step 1.145*** (0.023)	step 1.167*** (0.025)	0.954 (0.065)	n/an excellent	0.989 (0.005)
(80,90]	step one.319*** (0.027)	step 1.322*** (0.027)	step one.319*** (0.032)	step 1.153* (0.061)	n/an excellent	0.816*** (0.007)
(ninety,100]	step 1.494*** (0.036)	step one.485*** (0.036)	1.497*** (0.053)	1.295*** (0.067)	n/an excellent	0.556*** (0.012)
(100,110]	step 1.872*** (0.046)	step one.841*** (0.046)	step one.745** (0.141)	1.652*** (0.073)	Base	0.398*** (0.024)
(110,120]	2.014*** (0.070)	step 1.963*** (0.070)	dos.233** (0.270)	step one.737*** (0.093)	step 1.019 (0.076)	0.410*** (0.048)
(120,150]	2.129*** (0.083)	dos.041*** (0.083)	2.074* (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/an effective	dos.530*** (0.161)	step one.294 (0.160)	0.670* (0.098)
200+	3.299*** (0.201)	step three.233*** (0.201)	n/a great	step three.657*** (0.217)	step 1.488* (0.230)	0.652* (0.177)
Original LVR (ft = (60,80])
(0,60]	step 1.054 (0.028)	1.051 (0.028)	step one.093* (0.032)	0.856* (0.062)	0.767 (0.216)	1.087*** (0.005)
80+	step one.286*** (0.019)	step one.307*** (0.019)	step 1.312*** (0.023)	1.241*** (0.038)	step 1.415** (0.091)	1.145*** (0.005)
Turnover ratio	step one.014 (0.007)	step one.020 (0.007)	1.030* (0.007)	0.934 (0.026)	1.008 (0.040)	step one.041*** (0.001)
Jobless rates	step 1.075** (0.018)	1.207*** (0.018)	step one.137 (0.042)	1.150** (0.034)	step one.083 (0.073)	step 1.061 (0.007)
Unemployment speed^2	0.998* (0.001)	0.994** (0.001)	0.992 (0.003)	0.996* (0.002)	1.000 (0.003)	0.996 (0.000)
Serviceability ratio (ft = (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]	1.418*** (0.019)	step 1.400*** (0.019)	step one.469*** (0.023)	step one.280*** (0.037)	step 1.150 (0.075)	1.008 (0.004)
(30,40]	step one.803*** (0.024)	step one.768*** (0.024)	step one.923*** (0.028)	step one.497*** (0.048)	step one.367** (0.101)	0.988 (0.006)
40+	1.926*** (0.033)	step 1.883*** (0.033)	dos.015*** (0.039)	step one.731*** (0.064)	step 1.550*** (0.145)	0.934*** (0.009)
Lagged change in rates of interest (bps; base = (dos,2])
Depending changeable:	Entered foreclosure	Inserted foreclosure	Inserted foreclosure	Registered foreclosure	Joined foreclosures	Recovered	Complete installment
Sample:	All of the money	All the finance	Non-mining	Mining-launched	Negative collateral	All of the finance	All of the finance
Model:	Base	Excl SEIFA	Base	Base	Base	Base	Base
Indexed planned LVR (base = (sixty,70])
(0,30]	0.783 (0.127)	0.785 (0.127)	0.691* (0.168)	0.941 (0.215)	n/a good	step one.175*** (0.035)	step one.130* (0.048)
(30,40]	0.761 (0.138)	0.758 (0.138)	0.554** (0.182)	step one.367 (0.221)	n/an excellent	step one.151*** (0.035)	1.024 (0.049)
(forty,50]	0.756* (0.118)	0.756* (0.118)	0.598** (0.149)	1.204 (0.201)	n/an excellent	step one.106** (0.031)	step 1.095 (0.041)
(fifty,60]	0.902 (0.101)	0.901 (0.101)	0.882 (0.118)	0.921 (0.198)	n/a good	step 1.101** (0.028)	1.000 (0.038)
(70,80]	step one.170 (0.084)	step one.171 (0.084)	1.171 (0.103)	1.198 (0.149)	n/a great	step one.001 (0.026)	0.922 (0.037)
(80,90]	step one.688*** (0.085)	1.690*** (0.085)	step 1.850*** (0.112)	step 1.514** (0.143)	n/a beneficial	0.967 (0.030)	0.818*** (0.044)
(90,100]	dos.097*** (0.095)	2.098*** (0.095)	2.540*** (0.142)	step 1.772*** (0.147)	n/an excellent	0.942 (0.040)	0.679*** (0.063)
(100,110]	dos.515*** (0.107)	2.509*** (0.107)	step three.919*** (0.196)	dos.068*** (0.156)	n/a good	0.807*** (0.054)	0.471*** (0.098)
(110,120]	3.261*** (0.130)	step 3.248*** (0.130)	5.011*** (0.326)	dos.698*** (0.174)	step 1.321* (0.125)	0.831* (0.086)	0.687** (0.132)
(120,150]	step three.443*** (0.129)	step 3.404*** (0.129)	8.596*** (0.305)	2.874*** (0.173)	step 1.582** (0.126)	0.818* (0.088)	0.581* (0.151)
(150,200]	cuatro.604*** (0.155)	cuatro.535*** (0.155)	step 1.970 (step one.011)	cuatro.025*** (0.193)	1.988*** (0.167)	0.434*** (0.178)	0.927 (0.201)
200+	eight.542*** (0.189)	seven.515*** (0.189)	n/a beneficial	5.380*** (0.231)	dos.795*** (0.209)	0.276*** (0.323)	1.957*** (0.193)
Unique LVR (ft = (60,80])
(0,60]	0.923 (0.083)	0.919 (0.083)	0.956 (0.123)	0.847 (0.116)	0.849 (0.258)	0.957 (0.025)	step one.048 (0.034)
80+	step one.000 (0.052)	1.002 (0.051)	0.967 (0.078)	1.045 (0.072)	0.988 (0.120)	0.945** (0.020)	step one.053 (0.028)
Turnover proportion	0.921*** (0.019)	0.924*** (0.019)	0.902** (0.031)	0.977 (0.042)	1.040 (0.047)	step 1.007 (0.007)	step one.074*** (0.010)
Unemployment price	step one.104 (0.050)	step one.128* (0.048)	0.831 (0.142)	step one.183* (0.076)	1.036 (0.124)	0.996 (0.019)	0.927* (0.032)
Unemployment rates^2	0.998 (0.003)	0.997 (0.003)	step 1.015 (0.009)	0.994 (0.004)	1.000 (0.006)	1.001 (0.001)	step 1.003 (0.002)
Serviceability proportion (foot = (10,20])
(0,10]	step one.172 (0.085)	step one.179 (0.085)	step 1.317 (0.132)	1.151 (0.112)	step one.042 (0.184)	step 1.097* (0.036)	0.987 (0.051)
(20,30]	0.828* (0.065)	0.823* (0.065)	0.786* (0.096)	0.869 (0.090)	1.036 (0.140)	0.985 (0.023)	step one.030 (0.033)
(31,40]	0.817 (0.089)	0.814* (0.089)	0.753* (0.128)	0.887 (0.127)	1.141 (0.192)	0.994 (0.031)	step one.100* (0.043)
40+	0.891 (0.112)	0.881 (0.111)	0.969 (0.172)	0.912 (0.148)	step one.178 (0.239)	0.988 (0.043)	0.962 (0.061)
Earnings