We find one to certain cohorts has large otherwise down arrears rates over the years, immediately after handling to have flavoring and you may go out activities (Graph 9, bluish taverns). Such consequences are also smaller than the new estimated outcomes into other factors. The newest bad average cohort consequences between 2014 and you will 2020 (until the pandemic) probably mirror that Australian authorities significantly fasten homes credit criteria (Kearns 2019). By contrast, the good cohort influence on arrears regarding loans originated from 2022 is similar to the a bit more powerful projected effectation of big date activities for the category just who borrowed within low prices (ranging from , discussed over). This suggests that band of consumers keeps dropped towards arrears at quite higher prices as opposed to others. Devam