Search: margin loans
RBA Glossary definition for margin loans
margin loans – Loans which are made to investors to purchase financial assets, usually equities or units in managed funds. These assets are used as security for the margin loan. Margin loan clients are required to keep the ratio of borrowings to the value of underlying security below a pre-arranged level. When the ratio goes above this level, lenders will make a margin call, requiring the borrower to either repay some of the loan or provide additional security to support the loan.
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Does Monetary Policy Affect Non-mining Business Investment in Australia? Evidence from BLADE
21 Sep 2023
RDP
2023-09
This provides some initial evidence that the extensive margin may be an important margin of adjustment. ... 42. Share of firms expecting to invest, long-term expectation. 41. Intensive margin.
https://www.rba.gov.au/publications/rdp/2023/2023-09/full.html
The Link between the Cash Rate and Market Interest Rates
1 May 1995
RDP
9504
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1995/9504.html
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Stress Testing the Australian Household Sector Using the HILDA Survey
5 Mar 2015
RDP
PDF
1095KB
Both approaches have advantages and disadvantages. Financial margin-based approaches more closely match the processes lenders typically use to determine loan serviceability. ... 15 Lenders mortgage insurance is often taken out by lenders on loans with
https://www.rba.gov.au/publications/rdp/2015/pdf/rdp2015-01.pdf
How Many Jobs Did JobKeeper Keep?
2 Dec 2020
RDP
PDF
1843KB
which was announced in March 2020. Autor et al (2020) find that receiving a PPP loan led to a. ... counterfactual of not receiving a PPP loan.11 Other evaluations of the PPP have yielded mixed results.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-07.pdf
Australian Money Market Divergence: Arbitrage Opportunity or Illusion?
12 Sep 2019
RDP
PDF
1464KB
Note: (a) Discounted variable rates on owner-occupier housing loans; spread to cash rate. ... rates. Applying the same methodology, we find margins on residential mortgages have been.
https://www.rba.gov.au/publications/rdp/2019/pdf/rdp2019-09.pdf
The Term Funding Facility: Has It Encouraged Business Lending?
13 Dec 2022
RDP
2022-07
As noted above, other central banks allowed banks to post certain types of loans as collateral, such as those made through government loan programs or made to select sectors. ... However, this method relies on access to data covering firms that had loans
https://www.rba.gov.au/publications/rdp/2022/2022-07/full.html
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Loan Rate Stickiness: Theory and Evidence
31 Jan 2006
RDP
PDF
819KB
In this section we formally examine interest rates on a number of different types of bank loans and, by examining differences in the degree of loan rate stickiness, draw some tentative ... All the personal loan rates, the housing loan rate, the credit
https://www.rba.gov.au/publications/rdp/1992/pdf/rdp9206.pdf
Financial Markets and Unemployment
12 Dec 2011
Research Workshop
PDF
1637KB
Reserve Bank of Australia Workshop 2011
https://www.rba.gov.au/publications/workshops/research/2011/pdf/monacelli.pdf
How Risky is Australian Household Debt?
19 Aug 2020
RDP
PDF
1880KB
severe downturn thanks to moderate loan-to-valuation ratios on residential mortgages; and the. ... amount of collateral backing their mortgage lending (that is, the moderate loan-to-valuation ratios.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-05.pdf
Household Leverage and the Recession
19 Dec 2019
Research Workshop
PDF
1138KB
RBA Workshop 2019
https://www.rba.gov.au/publications/workshops/research/2019/pdf/rba-workshop-2019-jones.pdf