Search: lender
RBA Glossary definition for lender
lender – A person or institution which provides loans on agreed terms to borrowers.
Search Results
Data and Variables
1 Jul 2021
RDP
2021-07
A mortgage commitment takes place after the borrower receives an accepted and signed offer of credit from the lender, typically after the borrower has signed the contract for purchase of the ... An approval occurs once the borrower receives the signed
https://www.rba.gov.au/publications/rdp/2021/2021-07/data-and-variables.html
See 3 more results from "RDP 2021-07"
Read me file for The Term Funding Facility: Has It Encouraged Business Lending?
9 Dec 2022
RDP
PDF
428KB
RDP 2022-07 supplementary information
https://www.rba.gov.au/publications/rdp/2022/2022-07/rdp-2022-07-read-me.pdf
The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis
22 Jul 2020
RDP
2020-03
In Australia, lenders issue borrowers with a notice of default once a loan enters 90+ day arrears (ASIC nd). ... Where a lender extends some leniency towards the borrower, foreclosure will not occur immediately upon Equation (2a) being satisfied.
https://www.rba.gov.au/publications/rdp/2020/2020-03/full.html
See 5 more results from "RDP 2020-03"
Lending Behaviour
31 Dec 2013
RDP
2013-15
Over time, lenders have increasingly tried to differentiate between the relative riskiness and potential profitability of different borrowers. ... These discounts encourage price-sensitive borrowers to remain with their existing lender, and discourage
https://www.rba.gov.au/publications/rdp/2013/2013-15/lending-behaviour.html
See 2 more results from "RDP 2013-15"
The Real Effects of Debt Covenants: Evidence from Australia
25 Oct 2022
RDP
2022-05
A key cause of financial frictions is informational asymmetries and misalignment in incentives between lenders and borrowers (Stein 2003). ... Asset-based covenants have been shown to reduce the need to renegotiate loan terms as they better align the
https://www.rba.gov.au/publications/rdp/2022/2022-05/full.html
See 3 more results from "RDP 2022-05"
Non-technical summary for 'The Term Funding Facility: Has It Encouraged Business Lending?'
8 Dec 2022
RDP
PDF
422KB
RDP 2022-07 non-technical summary
https://www.rba.gov.au/publications/rdp/2022/2022-07/rdp-2022-07-non-technical-summary.pdf
Mortgage-related Financial Difficulties: Evidence from Australian Micro-level Data
4 Feb 2015
RDP
PDF
728KB
1. Introduction. Housing loans account for a large proportion of both households’ and lenders’balance sheets. ... Loans that amortise moreslowly may also generate greater loan losses for lenders if those loans default.
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-13.pdf
Abstract for RDP 8101T: Overdrafts and Credit Rationing
1 Mar 1981
RDP
8101
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1981/8101t.html
Identifying Repo Market Microstructure from Securities Transactions Data
1 Aug 2018
RDP
2018-09
Loan-level data are valuable because, for example, they capture information on the borrower and lender for each transaction, potentially revealing whether position changes are supply or demand driven. ... C6. At no point does the lender return more
https://www.rba.gov.au/publications/rdp/2018/2018-09/full.html
See 4 more results from "RDP 2018-09"
References
9 Oct 2019
RDP
2019-10
Choi DB, JAC Santos and T Yorulmazer (2019), ‘A Theory of Collateral for the Lender of Last Resort’, Unpublished manuscript, January. ... Fischer S (1999), ‘On the Need for an International Lender of Last Resort’, The Journal of Economic
https://www.rba.gov.au/publications/rdp/2019/2019-10/references.html
See 1 more results from "RDP 2019-10"