Search: borrower
RBA Glossary definition for borrower
borrower – A person or entity that incurs a debt to a lender on agreed terms.
Search Results
The Global Financial Environment
8 Oct 2021
FSR
– October 2021
In Canada, authorities tightened serviceability assessments in June, by increasing the interest rate floor at which new borrowers are assessed. ... This followed an increase in high loan-to-income (LTI) borrowing, including from some borrowers with high
https://www.rba.gov.au/publications/fsr/2021/oct/global-financial-environment.html
Overview
8 Apr 2021
FSR
– April 2021
Fiscal support has sustained economic activity and improved the finances of borrowers, and so loan performance, and central banks have eased monetary policy and maintained market liquidity in key debt markets. ... Even if lenders do not weaken their own
https://www.rba.gov.au/publications/fsr/2021/apr/overview.html
5.4 Focus Topic: Interest Rate Risk
6 Oct 2023
FSR
– October 2023
5.4 Focus Topic: Interest Rate Risk | Financial Stability Review – October 2023
https://www.rba.gov.au/publications/fsr/2023/oct/focus-topic-interest-rate-risk.html
The Global Financial Environment
8 Apr 2021
FSR
– April 2021
Graph 1.1. Spreads between yields on corporate bonds and sovereign bonds have narrowed to pre-pandemic levels, including for very low rated borrowers (Graph 1.2). ... Corporate indebtedness increased over 2020 in advanced economies, including among the
https://www.rba.gov.au/publications/fsr/2021/apr/global-financial-environment.html
Box B: Housing Price Falls and Negative Equity
12 Apr 2019
FSR
– April 2019
against. Negative equity creates vulnerabilities both for borrowers and lenders. A borrower having difficulty making loan repayments who has negative equity cannot fully repay their debt by selling the property. ... Estimating the share of borrowers with
https://www.rba.gov.au/publications/fsr/2019/apr/box-b.html
Box C: Non-conforming Housing Loans
10 Mar 2005
FSR
– March 2005
funding – largely by securitising pools of mortgages – to provide end borrowers with competitive interest rates. ... if borrowers exit their loans within a certain period (usually four to six years from loan origination).
https://www.rba.gov.au/publications/fsr/2005/mar/box-c.html
Box B: Chinese Demand for Australian Property
20 Apr 2016
FSR
– April 2016
Australian-owned banks also have tighter lending standards for non-residents than domestic borrowers, such as lower maximum loan-to-valuation ratios, because it is harder to verify these borrowers' income ... and other details, and because the banks have
https://www.rba.gov.au/publications/fsr/2016/apr/box-b.html
Box B: Arrears and Repossessions
10 Sep 2007
FSR
– September 2007
Another alternative is for the borrower to access some of their superannuation in order to get loan repayments back on schedule. ... A judgement in the lender's favour does not, however, entitle the lender to evict the borrower.
https://www.rba.gov.au/publications/fsr/2007/sep/box-b.html
The Australian Financial System
8 Apr 2021
FSR
– April 2021
Lower rates are generally associated with a small reduction in banks' NIMs, but this effect is offset by a reduction in borrowers' debt-servicing burdens (lowering bad and doubtful debts) and ... borrowers struggling with repayments to sell without
https://www.rba.gov.au/publications/fsr/2021/apr/australian-financial-system.html
Household and Business Finances in Australia
8 Oct 2021
FSR
– October 2021
Liaison with banks indicates that more than half of borrowers currently on deferral also had a loan deferral last year. ... A high share of borrowers with loan repayment deferrals are continuing to make partial payments compared to last year.
https://www.rba.gov.au/publications/fsr/2021/oct/household-business-finances-in-australia.html