We discover you to definitely particular cohorts provides high or lower arrears rates over the years, immediately after handling to possess flavoring and day products (Chart nine, bluish bars). This type of effects also are smaller than the latest projected effects into the other variables. Brand new negative mediocre cohort effects anywhere between 2014 and 2020 (till the pandemic) most likely echo you to definitely Australian regulators notably fasten houses lending conditions (Kearns 2019). Continue reading »
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