Search: borrower
RBA Glossary definition for borrower
borrower – A person or entity that incurs a debt to a lender on agreed terms.
Search Results
Overview
8 Oct 2021
FSR
– October 2021
Financial stress persists for some borrowers, particularly those whose incomes have not recovered to pre-pandemic levels and as a result struggle to make loan repayments. ... Vulnerabilities could build further if housing market strength gives way to
https://www.rba.gov.au/publications/fsr/2021/oct/overview.html
In Brief: Financial Stability Review – October 2023
6 Oct 2023
FSR
This issue of our Financial Stability Review assesses the current condition of the financial system and potential risks to financial stability.
https://www.rba.gov.au/publications/fsr/2023/oct/
Boxes
22 Mar 2024
FSR
A number of Boxes on topics of special interest are published in the Financial Stabiilty Review. These boxes can be read as stand-alone documents or within the relevant Financial Stability Review.
https://www.rba.gov.au/publications/fsr/boxes.html
The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis
22 Jul 2020
RDP
2020-03
My results are broadly consistent with the double-trigger hypothesis. Ability-to-pay factors, such as regional unemployment rates and borrowers' repayment-to-income ratios, are found to be correlated with
https://www.rba.gov.au/publications/rdp/2020/2020-03.html
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The Role of Collateral in Borrowing
20 Jan 2021
RDP
2021-01
Australian interbank markets at the time of the Lehman Brothers failure present a platform for identification, because the collateral is liquid and homogenous across borrowers (unlike in retail credit markets), the ... After the exogenous shock,
https://www.rba.gov.au/publications/rdp/2021/2021-01.html
See 11 more results from "RDP 2021-01"
Resilience of Australian Households and Businesses
22 Mar 2024
FSR
– March 2024
Resilience of Australian Households and Businesses | Financial Stability Review – March 2024
https://www.rba.gov.au/publications/fsr/2024/mar/resilience-of-australian-households-and-businesses.html
Box B: How Risky is High-DTI and High-LVR Lending?
8 Apr 2022
FSR
– April 2022
The income and wealth characteristics of high-DTI borrowers vary depending on whether the borrower is an owner-occupier or an investor. ... Graph B.4. The income distribution of high-DTI borrowers varies depending on whether the borrower is an
https://www.rba.gov.au/publications/fsr/2022/apr/box-b-how-risky-is-high-dti-and-high-lvr-lending.html
At a Glance: Financial Stability Review – April 2023
6 Apr 2023
FSR
A small cohort of borrowers with low savings, high levels of debt and low incomes are most at risk of facing difficulties in servicing their debts.
https://www.rba.gov.au/publications/fsr/2023/apr/
A Closer Look at the Borrower Cash Flow Channel
23 Dec 2016
RDP
2016-12
Download the Paper 1. MB. Next, we take a closer look at the borrower cash flow channel by exploiting variation between variable-rate and fixed-rate borrowers in their response to ... If the borrower cash flow channel exists, the cash flows and spending
https://www.rba.gov.au/publications/rdp/2016/2016-12/closer-look-at-the-borrower-cash-flow-channel.html
See 9 more results from "RDP 2016-12"
At a Glance: Financial Stability Review – April 2021
9 Apr 2021
FSR
If incomes remain below pre-pandemic levels, as government support is wound back, it increases the likelihood that some borrowers exhaust their financial buffers and ultimately default. ... This could push asset prices above their fundamental values
https://www.rba.gov.au/publications/fsr/2021/apr/