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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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
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
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
Appendix A: Trends in the Australian Financial System | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector |…
6 Sep 1996
Submissions
With interest rate controls in place, bank loans were rationed and available only to the most creditworthy of borrowers. ... There has been considerable debate as to whether these and other expected benefits of financial deregulation have been realised,
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/appendix-a.html
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
Evolution of the Banking System | Submission to the Inquiry into the Australian Banking Industry – January 1991 | Financial Sector |…
1 Jan 1991
Submissions
There was widespread acceptance in the community that bank credit was difficult to come by, for all but the safest borrowers. ... If, however, all loans have to be made at the same interest rate, logic dictates that the bank allocate its funds to the
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-australian-banking-industry/evolution-of-the-banking-system.html
Trends in Lending | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial Sector |…
30 Nov 2010
Submissions
Low-doc loans are targeted at self-employed borrowers, or those with irregular incomes, who lack the documentation required for a standard loan. ... 1). As noted above, there has been a tightening in lending conditions for business borrowers, both large
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/trends.html
Housing Finance | Submission to the inquiry into Competition in the Banking and Non-Banking Sectors – July 2008 | Financial Sector |…
10 Jul 2008
Submissions
high LVR loans, which allow borrowers that do not have a deposit to cover the transaction costs associated with buying a home. ... While such products are offered by some lenders, Australian borrowers have chosen not to make much use of them.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-in-banking-and-non-banking-sector/housing-finance.html
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/
Submission to the Inquiry into Access for Small and Medium Business to Finance - February 2011 | Financial Sector | Submissions
7 Feb 2011
Submissions
Small business borrowers have faced lower loan-to-valuation ratios, stricter collateral requirements and higher interest coverage ratios. ... costs. The average outstanding rate on small business loans declined, however, as there was a gradual fall in
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-access-for-small-and-medium-business-to-finance-2011/