Search: margin loans
RBA Glossary definition for margin loans
margin loans – Loans which are made to investors to purchase financial assets, usually equities or units in managed funds. These assets are used as security for the margin loan. Margin loan clients are required to keep the ratio of borrowings to the value of underlying security below a pre-arranged level. When the ratio goes above this level, lenders will make a margin call, requiring the borrower to either repay some of the loan or provide additional security to support the loan.
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Do Australian Households Borrow to Keep up with the Joneses?
10 Nov 2022
RDP
2022-06
hire purchase loan, car loan and other personal loans) and investment debt (e.g. ... Table B1: Probability of Holding Debt – Extensive Margin. Effects of a 1 standard deviation increase in Gini coefficient.
https://www.rba.gov.au/publications/rdp/2022/2022-06/full.html
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Box A: Recent Reforms to Lending Rates in China
8 Nov 2019
SMP
– November 2019
The new framework requires that all new bank loans be priced relative to the LPR. ... The relevant LPR term is that which best reflects the term of the loan, and mortgage loans will only be able to be repriced on a minimum cycle of one year,
https://www.rba.gov.au/publications/smp/2019/nov/box-a-recent-reforms-to-lending-rates-in-china.html
The International Environment
10 Nov 2023
SMP
– November 2023
The International Environment | Statement on Monetary Policy – November 2023
https://www.rba.gov.au/publications/smp/2023/nov/the-international-environment.html
4 April 2023 | Minutes of the Monetary Policy Meeting of the Board
18 Apr 2023
Minutes
Minutes of the monetary policy meeting of the Reserve Bank Board for 4 April 2023
https://www.rba.gov.au/monetary-policy/rba-board-minutes/2023/2023-04-04.html
2 August 2022 | Minutes of the Monetary Policy Meeting of the Board
16 Aug 2022
Minutes
Minutes of the monetary policy meeting of the Reserve Bank Board for 2 August 2022
https://www.rba.gov.au/monetary-policy/rba-board-minutes/2022/2022-08-02.html
The Term Funding Facility: Has It Encouraged Business Lending?
13 Dec 2022
RDP
2022-07
As noted above, other central banks allowed banks to post certain types of loans as collateral, such as those made through government loan programs or made to select sectors. ... However, this method relies on access to data covering firms that had loans
https://www.rba.gov.au/publications/rdp/2022/2022-07/full.html
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Price and Wage Developments
10 Feb 2009
SMP
– February 2009
In addition, there was also a decline in the estimated cost of deposit & loan facilities following recent reductions in the cash rate, a significant fall in motor vehicles prices, and a ... Nonetheless, recent information from the Bank's liaison points
https://www.rba.gov.au/publications/smp/2009/feb/price-wage-dev.html
Price and Wage Developments
10 Aug 2008
SMP
– August 2008
Business margins remain strong, although there is some evidence that they are no longer widening. ... More recent data from the NAB survey suggest margins may have eased in the June quarter.
https://www.rba.gov.au/publications/smp/2008/aug/price-wage-dev.html
Price and Wage Developments
10 May 2009
SMP
– May 2009
The quarterly outcome was held down by particularly large falls in the prices of deposit & loan facilities and automotive fuel. ... This component represents the ABS estimate of margins on deposit and loan products used by households (as well as the
https://www.rba.gov.au/publications/smp/2009/may/price-wage-dev.html
Box B: Developments in Bank Funding Costs
10 Aug 2010
SMP
– August 2010
Average risk margins have been gradually increasing over the past couple of years. ... Their published margins include interest received on total financial assets (loans, liquid assets and other debt securities), while the calculations used here focus on
https://www.rba.gov.au/publications/smp/2010/aug/box-b.html