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RBA Glossary definition for margin loans
margin loans – Loans which are made to investors to purchase financial assets, usually equities or units in managed funds. These assets are used as security for the margin loan. Margin loan clients are required to keep the ratio of borrowings to the value of underlying security below a pre-arranged level. When the ratio goes above this level, lenders will make a margin call, requiring the borrower to either repay some of the loan or provide additional security to support the loan.
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How Risky is Australian Household Debt?
25 Aug 2020
RDP
2020-05
a given-sized loan in the initial years after it is written (as argued by Debelle (2004), Ellis (2005) and Mishkin (2007)). ... The impact of the shock can then be estimated by comparing pre- and post-shock default rates, loan losses and consumption.
https://www.rba.gov.au/publications/rdp/2020/2020-05/full.html
Stress Testing Household Debt
25 Aug 2020
RDP
2020-05
Of course, household loans only comprise 40 per cent of banks' total assets. ... Mortgage loans with an LVR that is currently above 80 per cent are assumed to have LMI.
https://www.rba.gov.au/publications/rdp/2020/2020-05/stress-testing-household-debt.html