Search: borrower
RBA Glossary definition for borrower
borrower – A person or entity that incurs a debt to a lender on agreed terms.
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Key Financial Developments Since the Wallis Inquiry | Submission to the Financial System Inquiry – March 2014 | Financial Sector |…
1 Mar 2014
Submissions
borrowers. One reasonable approximation of these constraints is that the debt repayment must be no more than a certain percentage of the borrower's income. ... As nominal interest rates fall, borrowers can service a larger loan with the same repayment.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/financial-developments-since-wallis-inquiry.html
Sources and Management of Systemic Risk | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
Lending that does not involve proper assessment of borrowers' capacity to repay the debt assumes that the borrower will be able to refinance or sell the property in the future to ... Changes in market conditions can cause borrowers to breach covenants,
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/sources-and-management-of-systemic-risk.html
Proportion of Investment Housing Relative to Owner-Occupied Housing | Submission to the Inquiry into Home Ownership June 2015 | Housing and …
1 Jun 2015
Submissions
This means the marginal borrower has less scope to increase their loan size as interest rates fall. ... In the Australian environment, the most constrained borrower is usually a first home buyer and the less constrained borrowers are investors or
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/proportion-investment-housing-relative-owner-occ-housing.html
Fee Income | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial Sector |…
30 Nov 2010
Submissions
For the major banks, these fees are equivalent to about 10–15 basis points per year on a loan, although early termination fees are not payable if the borrower stays with
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/fee-income.html
Factors Influencing Competition | Submission to the inquiry into Competition in the Banking and Non-Banking Sectors – July 2008 | Financial …
10 Jul 2008
Submissions
In contrast, the specialist non-bank lenders had no existing customers and were able to offer lower rates to all borrowers. ... Brokers allow borrowers to compare more easily the costs and features of different loans, and have allowed lenders to compete
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-in-banking-and-non-banking-sector/factors-influencing-competition.html
Arrears | Background Notes for Opening Remarks to Inquiry into Housing Affordability in Australia – April 2008 | Housing and Housing…
24 Apr 2008
Submissions
This may imply that a smaller proportion of the borrowers in the region met banks' lending guidelines and/or that some of those marketing the non-bank loans arranged loans that
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/housing-affordability-in-australia/arrears.html
Objectives and Types of Financial Regulation | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector |…
6 Sep 1996
Submissions
It should also cater to a wide range of borrowers, from the well established to those with high-risk new ventures. ... investors and borrowers are better able to make informed decisions; and.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/objectives-and-types-of-financial-regulation.html
Submission to the 16th Series Review of the Consumer Price Index – March 2010 | Prices | Submissions
17 Mar 2010
Submissions
the rate ‘that would have been struck if depositors dealt with borrowers directly’ (ABS 2008).
https://www.rba.gov.au/publications/submissions/labour-market-and-inflation/16th-series-review-of-cpi/
Sectoral Trends in Funding Patterns in the Australian Economy | Submission to the Financial System Inquiry – March 2014 | Financial Sector…
1 Mar 2014
Submissions
Financial corporations intermediate the flow of funds between net lenders and net borrowers. ... This is because smaller businesses are generally riskier borrowers than most other customer types.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/sectoral-trends-in-funding-patterns.html
Factors Behind the Recent Rise in House Prices | Submission to the Productivity Commission Inquiry on First Home Ownership – November 2003…
1 Nov 2003
Submissions
As such they reduce the need for borrowers to maintain precautionary savings in low-interest deposit accounts and can offer a tax-efficient form of saving. ... The loan is principally designed for borrowers who wish to consolidate an existing mortgage
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-productivity-commission-on-first-home/factors-behind-recent-rise-in-house-prices.html