Search: borrower
RBA Glossary definition for borrower
borrower – A person or entity that incurs a debt to a lender on agreed terms.
Search Results
13/12/2017 The Availability of Business Finance | Speeches | ...
16 Jan 2018
PDF
439KB
Graph 12. Marketplace lending platforms provide debt funding by matching individuals or groups of lenderswith borrowers. ... Funding fromthat source has generally become available on increasingly favourable terms for large borrowers overrecent years.
https://www.rba.gov.au/speeches/2017/pdf/sp-ag-2017-12-13.pdf
22/09/2020 New Financial Statistics: The Value of Sound Data ...
22 Sep 2020
Speech
PDF
172KB
Many borrowers have been doing this, inorder to take advantage of the very low level of interest rates. ... This is consistent with borrowers saving for precautionary reasons due to the uncertaineconomic outlook.
https://www.rba.gov.au/speeches/2020/pdf/sp-so-2020-09-17.pdf
Inflation and Recent Economic Data
8 Mar 2023
Speech
PDF
904KB
Speech - 2023
https://www.rba.gov.au/speeches/2023/pdf/sp-gov-2023-03-08.pdf
The Neutral Rate: The Pole-star Casts Faint Light
17 Oct 2022
Speech
PDF
637KB
Speech - 2022
https://www.rba.gov.au/speeches/2022/pdf/sp-ag-2022-10-12.pdf
The International Economic Outlook
27 Feb 2001
Speech
PDF
102KB
Credit spreads on various financial instrumentshad increased markedly (though for many good quality borrowers, the absolute costof borrowing had not increased, and was still pretty low). • ... Around the turn of the year, the Brazilian crisis had
https://www.rba.gov.au/speeches/2000/pdf/sp-ag-030200.pdf
Prudent Mortgage Lending Standards Help Ensure Financial Stability
22 Feb 2012
Speech
PDF
90KB
Don’t assume, without good reason, that borrowers will necessarily downsize when they retire. ... For example, does the borrower have an unusually volatile income or employment history?
https://www.rba.gov.au/speeches/2012/pdf/sp-so-230212.pdf
Some Innovative Mortgage Data
13 Aug 2017
Speech
PDF
403KB
Borrowers are typically offered discounts on reference rates, which can vary according tothe characteristics of the borrower and the loan. ... That is, a given loan may be in the name ofmore than one borrower; on average, there are 1.7 borrowers per loan.
https://www.rba.gov.au/speeches/2017/pdf/sp-ag-2017-08-14.pdf
US Monetary Policy and Australian Financial Conditions
10 Dec 2018
Speech
PDF
338KB
In the period ahead, it seems plausible that term and creditrisk premia will rise, which will increase costs for all borrowers, Australian banks included. ... throughto the funding costs of Australian banks, and hence their borrowers are insulated from
https://www.rba.gov.au/speeches/2018/pdf/sp-ag-2018-12-10.pdf
The Limits of Interest-only Lending
9 May 2018
Speech
PDF
326KB
If the borrower defaults, the potential loss for the lender will be larger than inthe case of a P&I loan given that interest-only loans by design allow borrowers to ... For a small share of borrowers, though, itreflects difficulty making these higher
https://www.rba.gov.au/speeches/2018/pdf/sp-ag-2018-04-24.pdf
Mortgage Insights From Securitisation Data
21 Nov 2017
Speech
PDF
172KB
Some of the variationin rates actually paid reflects variation in creditworthiness across borrowers. ... The discounts offered vary by borrower and lender,and also vary over time.
https://www.rba.gov.au/speeches/2017/pdf/sp-so-dm-2017-11-20.pdf