Search: Real interest rate
RBA Glossary definition for Real interest rate
Real interest rate – The real interest rate refers to the cost of borrowing money (i.e. the nominal interest rate) net of inflation. It takes account of the fact that part of the nominal interest that borrowers pay to lenders represents compensation for anticipated inflation. The remaining �real� component better reflects the economic cost of borrowing and the return to lending.
RBA Glossary definition for interest rate
interest rate – The term used to describe the cost of borrowing money or the return to the owner of the funds which are invested or lent out. It is usually expressed as a percent per annum of the amount of money borrowed, lent or invested.
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House Prices | Background Notes for Opening Remarks to Inquiry into Housing Affordability in Australia – April 2008 | Housing and Housing…
24 Apr 2008
Submissions
Two common elements in the countries that experienced rapid house price increases were financial innovation (which greatly increased the access of households to finance) and relatively low interest rates (which reduced ... The latter is true not only for
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/housing-affordability-in-australia/house-prices.html
Effect of the Guarantee Arrangements | Joint Submission from the RBA and APRA to the Inquiry into Bank Funding Guarantees – July 2009 |…
1 Jul 2009
Submissions
over the year, as household preferences moved away from riskier assets such as real estate and shares (Graph 3). ... As a result, interest rates available on deposits are at historically high spreads to market rates (Graph 4).
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-bank-funding-guarantees/effect-guarantee.html
The Payments System | Supplementary Submission to the Financial System Inquiry – August 2014 | Financial Sector | Submissions
1 Aug 2014
Submissions
provider (including applying liquidity requirements); and in some cases minimum capital requirements and restrictions on the payment of interest. ... advantage of the people of Australia, and that the powers of the Bank are exercised in the public
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-08/payments-system.html
Sectoral Trends in Funding Patterns in the Australian Economy | Submission to the Financial System Inquiry – March 2014 | Financial Sector…
1 Mar 2014
Submissions
generated funds, and the greater attractiveness of debt financing due to the low level of global interest rates. ... About two-thirds of lending to small businesses is through commercial bills and other loans with variable interest rates.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/sectoral-trends-in-funding-patterns.html
Competition, Efficiency and Innovation in Banking | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
Price competition can include the interest rate attached to a product, as well as fees and charges. ... Interest rates on credit cards have continued to increase relative to the cash rate in recent years.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/competition-efficiency-and-innovation.html
Executive Summary | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector | Submissions
6 Sep 1996
Submissions
In the RBA's view, these restrictions are in the national interest even though they involve a marginal reduction in the degree of competition in banking. ... In the latter case, the cost of supervision is well below the implicit tax imposed on banks by
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/executive-summary.html
The Next Ten Years | Supplementary Submission to the Financial System Inquiry – 13 January 1997 | Financial Sector | Submissions
13 Jan 1997
Submissions
The recent reduction in the interest rate margin on bank mortgages suggests that there may be some similarities between these two financial innovations. ... financial prices such as interest rates and exchange rates.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-supplement-1997/next-ten-years.html
Proportion of Investment Housing Relative to Owner-Occupied Housing | Submission to the Inquiry into Home Ownership June 2015 | Housing and …
1 Jun 2015
Submissions
As discussed above, typically the interest rate used to calculate allowable loan sizes does not fall as much as actual interest rates, or only up to a point; this practice has ... This means the marginal borrower has less scope to increase their loan
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/proportion-investment-housing-relative-owner-occ-housing.html
Joint RBA-APRA Submission to the Inquiry into Home Lending Practices and Processes – August 2007 | Housing and Housing Finance | Submissions
8 Aug 2007
Submissions
Joint RBA-APRA Submission to the Inquiry into Home Lending Practices and Processes – August 2007
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-home-loan-lending-practices-and-processes/
Arrears | Background Notes for Opening Remarks to Inquiry into Housing Affordability in Australia – April 2008 | Housing and Housing…
24 Apr 2008
Submissions
As an illustration of this, even in 2001, at the low point in the interest rate cycle, a relatively high proportion of households in this part of Sydney had high ... evidenced by the sharp rise in the arrears rate in the region over 2005 and 2006.
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/housing-affordability-in-australia/arrears.html