Search: lender
RBA Glossary definition for lender
lender – A person or institution which provides loans on agreed terms to borrowers.
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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
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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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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Non-technical summary for ‘Demand in the Repo Market: Indirect Perspectives from Open Market Operations from 2006 to 2020’
15 May 2024
RDP
2024-03
A repurchase agreement (repo) is when a bank lends cash to another bank in exchange for collateral, which is the lender's guarantee.
https://www.rba.gov.au/publications/rdp/2024/2024-03/non-technical-summary.html
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Appendix A: Data Sources and Definitions
31 Dec 2012
RDP
2012-02
Senior Loan Officer Survey – Bank of Canada. Thomson Reuters. Net percentage of lenders reporting a tightening in overall lending conditions over the past three months. ... Credit Conditions Survey. Bank of England. Net balance of lenders reporting an
https://www.rba.gov.au/publications/rdp/2012/2012-02/appendix-a.html
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The Rise in Household Liquidity
10 Nov 2021
RDP
2021-10
Alternatively, lenders may be more likely to lend to borrowers that have a relatively large buffer after taking on mortgage debt. ... Lenders also introduced interest-only loans and shared equity loans, which made it easier for households, particularly
https://www.rba.gov.au/publications/rdp/2021/2021-10/full.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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The Algorithm
15 Dec 2016
RDP
2016-11
On each day, the algorithm checks all transactions (from borrower to lender) between each pair of banks to determine if any could feasibly include an interest payment (with feasibility determined by
https://www.rba.gov.au/publications/rdp/2016/2016-11/algorithm.html
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Data
14 Jun 2016
RDP
2016-04
Based on a sample of mortgage lenders, the FHFA obtains information on the terms and conditions of all single-family (non-farm) mortgages that lenders close during the last five business
https://www.rba.gov.au/publications/rdp/2016/2016-04/data.html
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How Risky is Australian Household Debt?
25 Aug 2020
RDP
2020-05
so do not default causing losses for the lender.
https://www.rba.gov.au/publications/rdp/2020/2020-05/full.html
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