Search: borrower
RBA Glossary definition for borrower
borrower – A person or entity that incurs a debt to a lender on agreed terms.
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The Rise in Household Liquidity
10 Nov 2021
RDP
2021-10
A redraw facility enables the borrower to withdraw excess funds they have already contributed to pay off their loan. ... This is because borrowers that select mortgages with such features could be systematically different from those that do not, and
https://www.rba.gov.au/publications/rdp/2021/2021-10/full.html
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At a Glance: Financial Stability Review – April 2023
6 Apr 2023
FSR
A small cohort of borrowers with low savings, high levels of debt and low incomes are most at risk of facing difficulties in servicing their debts.
https://www.rba.gov.au/publications/fsr/2023/apr/
Identifying Repo Market Microstructure from Securities Transactions Data
13 Aug 2018
RDP
PDF
2622KB
collateral, whereas if an unsecured borrower defaults, the lender joins other unsecured creditors. ... Loan-level data are valuable because, for example, they capture information on the borrower and.
https://www.rba.gov.au/publications/rdp/2018/pdf/rdp2018-09.pdf
Box B: The Impact of Lending Standards on Loan Sizes
10 Feb 2020
FSR
October 2018
PDF
634KB
https://www.rba.gov.au/publications/fsr/2018/oct/pdf/box-b.pdf
2 April 2024 | Minutes of the Monetary Policy Meeting of the Board
2 Apr 2024
Minutes
Minutes of the monetary policy meeting of the Reserve Bank Board for 2 April 2024
https://www.rba.gov.au/monetary-policy/rba-board-minutes/2024/2024-03-19.html
At a Glance: Financial Stability Review – April 2021
9 Apr 2021
FSR
If incomes remain below pre-pandemic levels, as government support is wound back, it increases the likelihood that some borrowers exhaust their financial buffers and ultimately default. ... This could push asset prices above their fundamental values
https://www.rba.gov.au/publications/fsr/2021/apr/
Mortgage-related Financial Difficulties: Evidence from Australian Micro-level Data
25 Nov 2014
RDP
2014-13
Additionally, the probability of entering arrears varies across different loan types; for example, low-documentation loans are more likely to enter arrears, even after controlling for whether the borrower was ... employed. The likelihood of entering
https://www.rba.gov.au/publications/rdp/2014/2014-13.html
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Household and Business Finances
8 Apr 2022
FSR
– April 2022
supply of credit to new borrowers who are most susceptible to finding difficulty in making repayments. ... In recent years, many borrowers have also actively refinanced to low fixed-rate loans.
https://www.rba.gov.au/publications/fsr/2022/apr/household-business-finances.html
The Role of Collateral in Borrowing
14 Jan 2021
RDP
PDF
1784KB
Lenders to each borrower Borrowers to each lender. Min Mean Max Std dev Min Mean Max Std dev. ... borrowers) they dealt with. Specifically, if a borrower borrows from N different lenders throughout.
https://www.rba.gov.au/publications/rdp/2021/pdf/rdp2021-01.pdf
5 December 2023 | Minutes of the Monetary Policy Meeting of the Board
19 Dec 2023
Minutes
Minutes of the monetary policy meeting of the Reserve Bank Board for 5 December 2023
https://www.rba.gov.au/monetary-policy/rba-board-minutes/2023/2023-12-05.html