The average life and the overall profit of a home loan will fall if borrowers follow the advice of the Reserve Bank of Australia and pay down household debts even more quickly than they are already doing.In its half-yearly Financial Stability Review, the FBA wrote that the household sector has continued to consolidate its financial position in 2012 (at roughly 10 per cent of income) as households shifted their portfolios towards more conservative assets such as deposits."Household borrowing has also slowed in recent years to a pace that is more in line with income growth and many households are choosing to repay their existing debt more quickly than required" - a phenomenon explained in the preceding article."Though there are some isolated pockets of weakness, aggregate measures of financial stress remain low. "However, with aggregate indebtedness still around historically high levels, a continuation of the recent borrowing restraint would help strengthen the financial resilience of households."