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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Macrofinancial Stress Testing on Australian Banks
13 Sep 2023
RDP
PDF
1940KB
The absence of historical experience with large losses on banks’ mortgage portfolios makes. ... residential mortgage-backed securities (RMBS), and selection bias in this sample (arising from.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-03.pdf
Household Liquidity Buffers and Financial Stress
16 Jun 2022
Bulletin
– June 2022
The ratio of household liquid assets to household income in Australia has increased substantially over recent decades, at both the aggregate and individual household levels.
https://www.rba.gov.au/publications/bulletin/2022/jun/household-liquidity-buffers-and-financial-stress.html
Bulletin
18 Apr 2024
Bulletin
Insights into the economy and financial system from teams throughout the Reserve Bank of Australia
https://www.rba.gov.au/publications/bulletin/
The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data
21 Jun 2023
RDP
2023-05
Research Discussion Paper – RDP 2023-05 The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data. Callan Windsor, Terhi Jokipii and Matthieu Bussiere. June 2023. 1.3. MB. Supplementary
https://www.rba.gov.au/publications/rdp/2023/2023-05.html
See 14 more results from "RDP 2023-05"
The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis
19 Jul 2020
RDP
PDF
1853KB
negative equity. JEL Classification Numbers: D11, D12, G21, G51. Keywords: mortgage, mortgage default, foreclosure, loan-level data. ... the broader mortgage market, as well as a lower share of fixed-rate mortgages (Fernandes and.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-03.pdf
The Effects of Funding Costs and Risk on Banks' Lending Rates
10 Mar 2011
Bulletin
– March 2011
Increases in equity capital and expected losses are estimated to have had a smaller effect on residential mortgage lending rates. ... loans. As such, equity capital contributes more to the cost of funding business loans than residential mortgages
https://www.rba.gov.au/publications/bulletin/2011/mar/6.html
Shadow Bank Lending to the Residential Property Market
15 Sep 2017
Bulletin
– September 2017
Shadow bank lending can play an important role in the economy, but on a large enough scale it could damage financial system resilience. Domestic banks have tightened standards for lending to the residential property market over recent years,
https://www.rba.gov.au/publications/bulletin/2017/sep/6.html
Bulletin September Quarter 2023
15 Feb 2024
Bulletin
- September 2023
PDF
8611KB
https://www.rba.gov.au/publications/bulletin/2023/sep/pdf/bulletin-2023-09.pdf
Partial Mortgage Prepayments and Housing Credit Growth
18 Sep 2013
Bulletin
PDF
725KB
Reserve Bank of Australia Bulletin September Quarter 2013
https://www.rba.gov.au/publications/bulletin/2013/sep/pdf/bu-0913-4.pdf
Housing Accessibility for First Home Buyers
7 Dec 2017
Bulletin
– December 2017
The ability of Australians to purchase their first home (‘housing accessibility’) has been an important topic of public debate recently. In this article, we construct an indicator of housing accessibility that suggests that the median potential
https://www.rba.gov.au/publications/bulletin/2017/dec/3.html