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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Semi-Annual Statement on Monetary Policy
30 Jul 2003
SMP
PDF
80KB
securities. Larger margin lenders in Australia saythat Australian borrowers typically geartheir portfolios conservatively, providingaround 50 per cent of funds from their ownresources. ... market value of a borrower’s equity fallingbelow the minimum
https://www.rba.gov.au/publications/smp/2000/may/pdf/box-c.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
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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
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
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
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
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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
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Macroprudential Limits on Mortgage Products: The Australian Experience
26 Jul 2021
RDP
2021-07
property. Commitments are categorised by either the borrower type (occupier or investor), or by the repayment structure (P&I or IO), or by both. ... Borrowers often receive a discount on the advertised rate, which is more common among large banks than mid
https://www.rba.gov.au/publications/rdp/2021/2021-07/full.html
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Semi-Annual Statement on Monetary Policy
5 Aug 2003
SMP
PDF
58KB
Banks initially responded to thecompetition from mortgage managers byproduct innovation aimed at new borrowers,rather than cutting their main standardvariable interest rates. ... attracting borrowers from their competitors.A similar episode occurred in
https://www.rba.gov.au/publications/smp/1997/may/pdf/box-5.pdf