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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A Closer Look at the Borrower Cash Flow Channel
23 Dec 2016
RDP
2016-12
Download the Paper 1. MB. Next, we take a closer look at the borrower cash flow channel by exploiting variation between variable-rate and fixed-rate borrowers in their response to ... If the borrower cash flow channel exists, the cash flows and spending
https://www.rba.gov.au/publications/rdp/2016/2016-12/closer-look-at-the-borrower-cash-flow-channel.html
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The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis
19 Jul 2020
RDP
PDF
1853KB
borrowers to negative equity. For example, in the ‘frictionless option model’, borrowers rationally. ... borrower entering arrears. They estimate a multinomial logit for whether borrowers in arrears go on.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-03.pdf
The Role of Collateral in Borrowing
20 Jan 2021
RDP
2021-01
Australian interbank markets at the time of the Lehman Brothers failure present a platform for identification, because the collateral is liquid and homogenous across borrowers (unlike in retail credit markets), the ... After the exogenous shock,
https://www.rba.gov.au/publications/rdp/2021/2021-01.html
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The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis
22 Jul 2020
RDP
2020-03
My results are broadly consistent with the double-trigger hypothesis. Ability-to-pay factors, such as regional unemployment rates and borrowers' repayment-to-income ratios, are found to be correlated with
https://www.rba.gov.au/publications/rdp/2020/2020-03.html
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The Term Funding Facility: Has It Encouraged Business Lending?
8 Dec 2022
RDP
PDF
2133KB
access to data on individual borrowers. We use a regression in the spirit of a triple-difference framework to address the potential difference. ... including because non-banks may lend to a different population of borrowers than banks.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-07.pdf
The Rise in Household Liquidity
10 Nov 2021
RDP
2021-10
A redraw facility enables the borrower to withdraw excess funds they have already contributed to pay off their loan. ... This is because borrowers that select mortgages with such features could be systematically different from those that do not, and
https://www.rba.gov.au/publications/rdp/2021/2021-10/full.html
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Identifying Repo Market Microstructure from Securities Transactions Data
13 Aug 2018
RDP
PDF
2622KB
collateral, whereas if an unsecured borrower defaults, the lender joins other unsecured creditors. ... Loan-level data are valuable because, for example, they capture information on the borrower and.
https://www.rba.gov.au/publications/rdp/2018/pdf/rdp2018-09.pdf
The Role of Collateral in Borrowing
14 Jan 2021
RDP
PDF
1784KB
Lenders to each borrower Borrowers to each lender. Min Mean Max Std dev Min Mean Max Std dev. ... borrowers) they dealt with. Specifically, if a borrower borrows from N different lenders throughout.
https://www.rba.gov.au/publications/rdp/2021/pdf/rdp2021-01.pdf
Mortgage-related Financial Difficulties: Evidence from Australian Micro-level Data
25 Nov 2014
RDP
2014-13
Additionally, the probability of entering arrears varies across different loan types; for example, low-documentation loans are more likely to enter arrears, even after controlling for whether the borrower was ... employed. The likelihood of entering
https://www.rba.gov.au/publications/rdp/2014/2014-13.html
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Trends in the Funding and Lending Behaviour of Australian Banks
2 Feb 2015
RDP
PDF
1090KB
term by passing on changes in funding costs to borrowers as they occur. ... where borrowers with more equity have also tended to receive larger discounts (Allen, Clark and Houde 2011).
https://www.rba.gov.au/publications/rdp/2013/pdf/rdp2013-15.pdf