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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Semi-Annual Statement on Monetary Policy
10 Nov 1998
Bulletin
– November 1998
even to large numbers of credit-worthy borrowers, driven by lenders' desire to protect their own balance sheets. ... This process constrains borrowers, and dampens economic activity, which in turn risks a further worsening of banks' loan books.
https://www.rba.gov.au/publications/bulletin/1998/nov/1.html
Cash Rate Pass-through to Outstanding Mortgage Rates
18 Apr 2024
Bulletin
– April 2024
The interest rate paid by outstanding mortgage borrowers increased by around 320 basis points between May 2022 and December 2023, around 105 basis points less than the cumulative increase in the cash rate over this period.
https://www.rba.gov.au/publications/bulletin/2024/apr/cash-rate-pass-through-to-outstanding-mortgage-rates.html
The Availability of Business Finance
7 Dec 2017
Bulletin
– December 2017
Access to business finance has improved markedly since the global financial crisis, and debt-servicing costs are near historic lows. Nevertheless, small businesses continue to face challenges accessing finance. This article looks at the sources and
https://www.rba.gov.au/publications/bulletin/2017/dec/7.html
Risk Management
21 Oct 2021
RBA Annual Report
– 2021
The lending is either fully collateralised or the borrower has government support.
https://www.rba.gov.au/publications/annual-reports/rba/2021/risk-management.html
Financial Markets in 1978/79
20 Jun 2023
RBA Annual Report
– 1979
Corporate industrial borrowers met resistance around mid year to their demand for long-term funds. ... The value of finance approvals for housing expanded strongly in 1978/79 but, reflecting borrowers' preferences, a reduced proportion went to new
https://www.rba.gov.au/publications/annual-reports/rba/1979/fin-markets.html
Recent Developments in Low-deposit Loans
10 Oct 2003
Bulletin
– October 2003
Vendor financing allows borrowers to circumvent traditional LVR (and repayment) limits by deferring the transfer of legal ownership to the borrower until all repayments have been made. ... Such ‘non-conforming’ borrowers include the self-employed and
https://www.rba.gov.au/publications/bulletin/2003/oct/1.html
Annual Performance Statement for 2021/22
27 Oct 2022
RBA Annual Report
– October 2022
Provide support for lower risk-free yields across the yield curve, thereby lowering funding costs for all borrowers through a government bond purchase program. ... of Statistics (ABS), allowed pockets of vulnerability (such as higher-risk borrowers) to
https://www.rba.gov.au/publications/annual-reports/rba/2022/annual-performance-statement.html
2021
13 Jul 2022
Bulletin
Insights into the economy and financial system from teams throughout the Reserve Bank of Australia
https://www.rba.gov.au/publications/bulletin/2021/
Shadow Bank Lending to the Residential Property Market
15 Sep 2017
Bulletin
– September 2017
Shadow bank lending can play an important role in the economy, but on a large enough scale it could damage financial system resilience. Domestic banks have tightened standards for lending to the residential property market over recent years,
https://www.rba.gov.au/publications/bulletin/2017/sep/6.html
Governor's Foreword
12 Sep 2014
RBA Annual Report
– 2014
As intermediaries have faced easier conditions in wholesale funding and securitisation markets, competition to lend has increased and interest rates faced by savers and borrowers have declined slightly relative to the ... Credit spreads are approaching
https://www.rba.gov.au/publications/annual-reports/rba/2014/gov-foreword.html