Search: Sub-prime mortgage
RBA Glossary definition for Sub-prime mortgage
Sub-prime mortgage – While there is no precise definition of sub-prime mortgages, in the United States, they are typically loans made to borrowers with impaired credit histories, which might include one or more payment defaults, a previous loan foreclosure, or bankruptcy.
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The Australian Housing Market: Prices, Ownership and Affordability | Submission to the Productivity Commission Inquiry on First Home…
1 Nov 2003
Submissions
Hence, the debt-servicing ratios for the subset of households that have a mortgage are considerably higher. ... acquired mortgages, that tend to have relatively high ratios of interest payments to incomes.
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-productivity-commission-on-first-home/prices-ownership-affordability.html
Recommendation regarding Reserve Bank repos | Report to the Inquiry into Competition in the Banking and Non-Banking Sectors – May 2009 |…
7 May 2009
Submissions
In the report, the Committee commented on the use of Reserve Bank repurchase agreements (repos) as a means of providing longer-term funding for the mortgage market. ... If repurchase agreements were to be used effectively in adding liquidity to the
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-report-2009-05/recommendation-regarding-reserve-bank-repos.html
Drivers of Demand | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions
1 Jun 2015
Submissions
LVRs permitted on mortgages have increased relative to the situation a few decades ago. ... 2015). However, prudent buffers on the minimum interest rates that lending institutions use to calculate allowable mortgage loan sizes imply that this effect
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/drivers-of-demand.html
Executive Summary | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector | Submissions
6 Sep 1996
Submissions
While there has been increased blurring of assets held by different types of institutions (eg more mortgages held by superannuation funds and life offices than a decade ago), there has been
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/executive-summary.html
Arrears | Background Notes for Opening Remarks to Inquiry into Housing Affordability in Australia – April 2008 | Housing and Housing…
24 Apr 2008
Submissions
per cent for prime mortgages.
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/housing-affordability-in-australia/arrears.html
Factors Influencing Competition | Submission to the inquiry into Competition in the Banking and Non-Banking Sectors – July 2008 | Financial …
10 Jul 2008
Submissions
Examples include:. the entry of specialist non-bank lenders to the mortgage market in the early to mid-1990s. ... They were able to do so because of their ability to issue residential mortgage-backed securities at relatively low spreads.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-in-banking-and-non-banking-sector/factors-influencing-competition.html
What are Interest Margins? | International Comparisons of Bank Margins – August 1994 | Bank Fees and Margins | Submissions
1 Aug 1994
Submissions
the mortgage rate and the rate paid on statement savings accounts. ... For a given type of loan, e.g. variable rate home mortgage, it is, in principle at least, also possible to make some sort of international comparison in order to gauge
https://www.rba.gov.au/publications/submissions/financial-sector/international-comparisons-of-bank-margins/what-are-interest-margins.html
Sectoral Trends in Funding Patterns in the Australian Economy | Submission to the Financial System Inquiry – March 2014 | Financial Sector…
1 Mar 2014
Submissions
Alternative sources of debt. Smaller businesses make use of a range of debt sources beyond mortgages (see Table 5.1). ... However, global investor appetite for residential mortgage-backed securities (RMBS) diminished sharply during the crisis, and
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/sectoral-trends-in-funding-patterns.html
List of graphs | Submission to the Productivity Commission Inquiry on First Home Ownership – November 2003 | Housing and Housing Finance |…
1 Nov 2003
Submissions
Graph 6: Prime Office Capital Value Indicators. ... Graph 27: Mortgage Interest Rates.
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-productivity-commission-on-first-home/graphs.html
Executive Summary | Submission to the Productivity Commission Inquiry on First Home Ownership – November 2003 | Housing and Housing Finance …
1 Nov 2003
Submissions
wide. The ratio of the price of the average home to average income has risen sharply, as has the cost of servicing the mortgage if the home is acquired, making it ... Mortgage interest rates have been relatively stable at a low rate now for the past
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-productivity-commission-on-first-home/executive-summary.html