Search: borrower
RBA Glossary definition for borrower
borrower – A person or entity that incurs a debt to a lender on agreed terms.
Search Results
BA-MARTIN in Detail
18 Jan 2022
RDP
2022-01
When capital ratios fall below banks' desired levels, banks increase the spreads they charge borrowers above these unconstrained spreads. ... lending standards are tightened). In this case, even though each borrower would be paying more for their loan,
https://www.rba.gov.au/publications/rdp/2022/2022-01/ba-martin-in-detail.html
See 4 more results from "RDP 2022-01"
Read me file for The Role of Collateral in Borrowing
17 Jan 2021
RDP
PDF
467KB
RDP 2021-01 supplementary information
https://www.rba.gov.au/publications/rdp/2021/2021-01/rdp-2021-01-read-me.pdf
4 October 2022 | Minutes of the Monetary Policy Meeting of the Board
18 Oct 2022
Minutes
Minutes of the monetary policy meeting of the Reserve Bank Board for 4 October 2022
https://www.rba.gov.au/monetary-policy/rba-board-minutes/2022/2022-10-04.html
Demand in the Repo Market: Indirect Perspectives from Open Market Operations from 2006 to 2020
9 May 2024
RDP
PDF
4625KB
borrower defaults, the lender should be willing to accept a lower rate of interest on the loan for the.
https://www.rba.gov.au/publications/rdp/2024/pdf/rdp2024-03.pdf
The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data
8 Jun 2023
RDP
PDF
1310KB
increase banks’ willingness to extend loans to riskier borrowers (Rajan 2006; Haldane 2011).
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-05.pdf
The Consequences of Low Interest Rates for the Australian Banking Sector
21 Dec 2022
RDP
2022-08
of the decline in Australian neutral rates following the global financial crisis (McCririck and Rees 2017), changes in the interest rates borrowers are expected to pay in the long run may ... Holding interest rates constant, an economic downturn
https://www.rba.gov.au/publications/rdp/2022/2022-08/full.html
See 4 more results from "RDP 2022-08"
The Consequences of Low Interest Rates for the Australian Banking Sector
19 Dec 2022
RDP
PDF
1588KB
borrowers to repay their loans and the values of the assets these loans are secured against. ... rate loans, the policy easing also directly reduces borrowers’ interest payments, thereby improving.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-08.pdf
Macroprudential Limits on Mortgage Products: The Australian Experience
4 Aug 2021
RDP
PDF
2345KB
borrowers that will rent out the housing. The second policy, announced early 2017, imposed limits. ... banks’ mortgage pricing power (7.2.3); borrowers’ reclassifications of mortgage types (7.3); and,.
https://www.rba.gov.au/publications/rdp/2021/pdf/rdp2021-07.pdf
The Effect of Mortgage Debt on Consumer Spending: Evidence from Household-level Data
1 Jul 2019
RDP
2019-06
The scheduled balance is the total amount that the borrower is contracted to repay at any given time based on this formula. ... But given the capacity to prepay, most borrowers have an actual mortgage balance that is lower than the scheduled balance.
https://www.rba.gov.au/publications/rdp/2019/2019-06/full.html
See 4 more results from "RDP 2019-06"
The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data
21 Jun 2023
RDP
2023-05
First, lower profits and sticky nominal return targets can increase banks' willingness to extend loans to riskier borrowers (Rajan 2006; Haldane 2011).
https://www.rba.gov.au/publications/rdp/2023/2023-05/full.html
See 1 more results from "RDP 2023-05"