About three quarters of the increase in owner-occupier debt over the decade to 2005/06, for example, was attributable to households in the top half of the income distribution. If comparable figures on debt associated with investment properties and margin loans were available, they would almost certainly further skew this distribution of debt.
8  BIS Review 106/2007  Graph 8  Despite the rise in the debt of this group of households, their debt servicing burdens remain relatively low. For those households who are in the top half of the income distribution and who have an owner-occupied housing loan, housing loan repayments currently average a little less than 20 per cent of gross income.