Search: lender
RBA Glossary definition for lender
lender – A person or institution which provides loans on agreed terms to borrowers.
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The Rise in Household Liquidity
10 Nov 2021
RDP
2021-10
Alternatively, lenders may be more likely to lend to borrowers that have a relatively large buffer after taking on mortgage debt. ... Lenders also introduced interest-only loans and shared equity loans, which made it easier for households, particularly
https://www.rba.gov.au/publications/rdp/2021/2021-10/full.html
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Introduction
21 Dec 2022
RDP
2022-08
Compression of these spreads is one of the key mechanisms highlighted in the literature that can adversely affect bank profitability at low rates, and results from competition with lenders less reliant
https://www.rba.gov.au/publications/rdp/2022/2022-08/introduction.html
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The Impact of Unconventional Monetary Policy on the Overnight Interbank Market | Conference – 2013
19 Aug 2013
Conferences
Let m denote the measure of borrowers and hence 1 – m is the measure of lenders. ... Similarly the surplus of the lender is:. Equating. and. yields. , which implies that:.
https://www.rba.gov.au/publications/confs/2013/bech-monnet.html
Data and Variables
1 Jul 2021
RDP
2021-07
A mortgage commitment takes place after the borrower receives an accepted and signed offer of credit from the lender, typically after the borrower has signed the contract for purchase of the ... An approval occurs once the borrower receives the signed
https://www.rba.gov.au/publications/rdp/2021/2021-07/data-and-variables.html
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Read me file for The Term Funding Facility: Has It Encouraged Business Lending?
9 Dec 2022
RDP
PDF
428KB
RDP 2022-07 supplementary information
https://www.rba.gov.au/publications/rdp/2022/2022-07/rdp-2022-07-read-me.pdf
Household Leveraging and Deleveraging
13 Dec 2012
Research Workshop
PDF
718KB
Reserve Bank of Australia Workshop 2012
https://www.rba.gov.au/publications/workshops/research/2012/pdf/primiceri.pdf
The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis
22 Jul 2020
RDP
2020-03
In Australia, lenders issue borrowers with a notice of default once a loan enters 90+ day arrears (ASIC nd). ... Where a lender extends some leniency towards the borrower, foreclosure will not occur immediately upon Equation (2a) being satisfied.
https://www.rba.gov.au/publications/rdp/2020/2020-03/full.html
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Lending Behaviour
31 Dec 2013
RDP
2013-15
Over time, lenders have increasingly tried to differentiate between the relative riskiness and potential profitability of different borrowers. ... These discounts encourage price-sensitive borrowers to remain with their existing lender, and discourage
https://www.rba.gov.au/publications/rdp/2013/2013-15/lending-behaviour.html
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Problems and Challenges of International Capital Flows | Conference – 1999
9 Aug 1999
Conferences
The logic seems clear. Lenders bear some share of the responsibility of volatile capital flows. ... Those lenders are less cohesive and identifiable and certainly less responsive to entirely voluntary approaches.
https://www.rba.gov.au/publications/confs/1999/volcker.html
The Real Effects of Debt Covenants: Evidence from Australia
25 Oct 2022
RDP
2022-05
A key cause of financial frictions is informational asymmetries and misalignment in incentives between lenders and borrowers (Stein 2003). ... Asset-based covenants have been shown to reduce the need to renegotiate loan terms as they better align the
https://www.rba.gov.au/publications/rdp/2022/2022-05/full.html
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