Search: Sub-prime mortgage
RBA Glossary definition for Sub-prime mortgage
Sub-prime mortgage – While there is no precise definition of sub-prime mortgages, in the United States, they are typically loans made to borrowers with impaired credit histories, which might include one or more payment defaults, a previous loan foreclosure, or bankruptcy.
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The Effects of Funding Costs and Risk on Banks' Lending Rates
10 Mar 2011
Bulletin
– March 2011
Increases in equity capital and expected losses are estimated to have had a smaller effect on residential mortgage lending rates. ... loans. As such, equity capital contributes more to the cost of funding business loans than residential mortgages
https://www.rba.gov.au/publications/bulletin/2011/mar/6.html
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
Housing Accessibility for First Home Buyers
7 Dec 2017
Bulletin
– December 2017
The ability of Australians to purchase their first home (‘housing accessibility’) has been an important topic of public debate recently. In this article, we construct an indicator of housing accessibility that suggests that the median potential
https://www.rba.gov.au/publications/bulletin/2017/dec/3.html
April | 2024
18 Apr 2024
Bulletin
Insights into the economy and financial system from teams throughout the Reserve Bank of Australia
https://www.rba.gov.au/publications/bulletin/2024/apr/
Fixed-rate Housing Loans: Monetary Policy Transmission and Financial Stability Risks
16 Mar 2023
Bulletin
– March 2023
Fixed-rate borrowing increased significantly during the COVID-19 pandemic, which has delayed the effect of the higher cash rate on borrowers’ cash flows.
https://www.rba.gov.au/publications/bulletin/2023/mar/fixed-rate-housing-loans-monetary-policy-transmission-and-financial-stability-risks.html
2024
18 Jan 2024
Bulletin
Insights into the economy and financial system from teams throughout the Reserve Bank of Australia
https://www.rba.gov.au/publications/bulletin/2024/
Inquiry into Future Directions for the Consumer Data Right – April 2020 | Payments System | Submissions
8 May 2024
Submissions
from November 2020, for mortgages and personal loans.
https://www.rba.gov.au/publications/submissions/payments-system/future-directions-for-the-consumer-data-right/index.html
December | 2018
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/2018/dec/
March | 2023
16 Mar 2023
Bulletin
Insights into the economy and financial system from teams throughout the Reserve Bank of Australia
https://www.rba.gov.au/publications/bulletin/2023/mar/
Semi-Annual Statement on Monetary Policy
10 May 1997
Bulletin
– May 1997
The impact of those cash rate reductions on home mortgage borrowers has been reinforced by a significant compression of intermediaries' interest margins in that area. ... Headline inflation forecasts for the current year were revised down even more
https://www.rba.gov.au/publications/bulletin/1997/may/1.html