Search: lender
RBA Glossary definition for lender
lender – A person or institution which provides loans on agreed terms to borrowers.
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Introduction
25 Oct 2022
RDP
2022-05
A key cause of financial frictions is informational asymmetries and misalignment in incentives between lenders and borrowers (Stein 2003).
https://www.rba.gov.au/publications/rdp/2022/2022-05/introduction.html
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References
9 Oct 2019
RDP
2019-10
Choi DB, JAC Santos and T Yorulmazer (2019), ‘A Theory of Collateral for the Lender of Last Resort’, Unpublished manuscript, January. ... Fischer S (1999), ‘On the Need for an International Lender of Last Resort’, The Journal of Economic
https://www.rba.gov.au/publications/rdp/2019/2019-10/references.html
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Domestic Financial Conditions
10 Feb 2023
SMP
– February 2023
Graph 3.20. Commitments for external refinancing – that is, switching to a new lender – remain very high (Graph 3.21). ... the best possible rates, which often entails switching to a new loan at a different lender.
https://www.rba.gov.au/publications/smp/2023/feb/domestic-financial-conditions.html
Stylised Facts
22 Jul 2020
RDP
2020-03
In Australia, lenders issue borrowers with a notice of default once a loan enters 90+ day arrears (ASIC nd). ... Lenders will also typically delay legal proceedings when borrowers provide evidence that they are in the process of selling their property.
https://www.rba.gov.au/publications/rdp/2020/2020-03/stylised-facts.html
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Appendix A: Debt Overhang Model
10 Jul 2019
RDP
2019-06
1. δ. This condition is essentially a debt servicing requirement imposed by mortgage lenders.
https://www.rba.gov.au/publications/rdp/2019/2019-06/appendix-a.html
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Discussion
1 Sep 1991
RDP
9107
The issue of the effect of personal tax rates is discussed by Miller (1977) who showed how personal tax rates would affect the willingness of lenders to invest in debt and
https://www.rba.gov.au/publications/rdp/1991/9107/discussion.html
Domestic Financial Conditions
5 May 2023
SMP
– May 2023
Domestic Financial Conditions | Statement on Monetary Policy – May 2023
https://www.rba.gov.au/publications/smp/2023/may/domestic-financial-conditions.html
Introduction
15 Aug 2018
RDP
2018-09
The collateral reduces the risk to the lender – if a repo borrower defaults, the lender takes immediate ownership of the collateral, whereas if an unsecured borrower defaults, the lender joins other ... Loan-level data are valuable because, for example,
https://www.rba.gov.au/publications/rdp/2018/2018-09/introduction.html
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BA-MARTIN in Detail
18 Jan 2022
RDP
2022-01
Expected loan losses are then determined by the amount of debt held by these households minus the post-shock value of their housing collateral and lenders' mortgage insurance (consistent with the
https://www.rba.gov.au/publications/rdp/2022/2022-01/ba-martin-in-detail.html
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Domestic Financial Conditions
4 Nov 2022
SMP
– November 2022
Most borrowers pay a lot less than the reference rate, as lenders offer discounts. ... Lenders have financed a large pipeline of commercial property transactions, predominantly for existing properties.
https://www.rba.gov.au/publications/smp/2022/nov/domestic-financial-conditions.html