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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Central Clearing of Repos in Australia: Conclusions
28 Oct 2015
Consultations
PDF
306KB
Central Clearing of Repos in Australia: Conclusions. October 2015. Contents. 1. Introduction and Executive Summary 1. 2. Stakeholders’ Views 6. 3. The Bank’s Roles in the Repo Market 9. 4. Assessment of Costs and Benefits 15. 5. Conclusions and
https://www.rba.gov.au/publications/consultations/201503-central-clearing-of-repos-in-australia/conclusions/pdf/central-clearing-of-repos-in-australia-conclusions-2015-10.pdf
Appendix C: Should Bank Supervision Be Carried Out by the Central Bank or by a Separate Authority? | Submission to the Financial System…
6 Sep 1996
Submissions
Third, if such loans are to be made, the central bank needs to have regulatory oversight of potential borrowers to reduce moral hazard problems and to ensure that borrowers are financially ... necessary liquidity through the discount window, although the
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/appendix-c.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
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
Competition, Efficiency and Innovation in Banking | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
Low-doc loans, which enable self-employed borrowers, or those with irregular incomes, to access housing finance;. ... Search costs for potential borrowers fell due to gains in technology, aiding price competition.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/competition-efficiency-and-innovation.html
Background Notes for Opening Remarks to Senate Select Committee on Housing Affordability in Australia, Melbourne, 24 April 2008
24 Apr 2008
Submissions
PDF
149KB
Inquiry into Housing Affordability in Australia
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/housing-affordability-in-australia/pdf/housing-affordability-in-australia.pdf
Handout and Supplementary Information Prepared for Standing Committee on Economics – September 2016 | Bank Fees and Margins | Submissions
22 Sep 2016
Submissions
Handout and Supplementary Information Prepared for Standing Committee on Economics – September 2016
https://www.rba.gov.au/publications/submissions/financial-sector/handout-standing-committee-on-economics-2016-09-22/
HANDOUT PREPARED FOR STANDING COMMITTEE ON ECONOMICS 22 SEPTEMBER 2016
21 Sep 2016
Submissions
PDF
386KB
Changes in discounts only affect new borrowers (and not the existing stock of mortgages).
https://www.rba.gov.au/publications/submissions/financial-sector/handout-standing-committee-on-economics-2016-09-22/pdf/handout-standing-committee-on-economics-2016-09-22.pdf
Senate Economics References Committee Inquiry into Competition within the Australian Banking Sector
6 Dec 2010
Submissions
PDF
261KB
Inquiry into Competition within the Australian Banking Sector
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/pdf/inquiry-competition-within-australian-banking-sector-2010.pdf
Banking Industry.indd
7 Jun 2004
Submissions
PDF
522KB
There was widespread acceptance in the community that bank credit was diffi cult to come by, for all but the safest borrowers. ... ii) banks’ interest margins have declined - i.e. the full extent of the increase in deposit rates has not been passed on
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-australian-banking-industry/pdf/inquiry-australian-banking-industry.pdf