Search: Real interest rate
RBA Glossary definition for Real interest rate
Real interest rate – The real interest rate refers to the cost of borrowing money (i.e. the nominal interest rate) net of inflation. It takes account of the fact that part of the nominal interest that borrowers pay to lenders represents compensation for anticipated inflation. The remaining �real� component better reflects the economic cost of borrowing and the return to lending.
RBA Glossary definition for interest rate
interest rate – The term used to describe the cost of borrowing money or the return to the owner of the funds which are invested or lent out. It is usually expressed as a percent per annum of the amount of money borrowed, lent or invested.
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Sectoral Trends in Funding Patterns in the Australian Economy | Submission to the Financial System Inquiry – March 2014 | Financial Sector…
1 Mar 2014
Submissions
generated funds, and the greater attractiveness of debt financing due to the low level of global interest rates. ... About two-thirds of lending to small businesses is through commercial bills and other loans with variable interest rates.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/sectoral-trends-in-funding-patterns.html
The Payments System | Supplementary Submission to the Financial System Inquiry – August 2014 | Financial Sector | Submissions
1 Aug 2014
Submissions
provider (including applying liquidity requirements); and in some cases minimum capital requirements and restrictions on the payment of interest. ... advantage of the people of Australia, and that the powers of the Bank are exercised in the public
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-08/payments-system.html
Competition, Efficiency and Innovation in Banking | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
Price competition can include the interest rate attached to a product, as well as fees and charges. ... Interest rates on credit cards have continued to increase relative to the cash rate in recent years.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/competition-efficiency-and-innovation.html
Proportion of Investment Housing Relative to Owner-Occupied Housing | Submission to the Inquiry into Home Ownership June 2015 | Housing and …
1 Jun 2015
Submissions
As discussed above, typically the interest rate used to calculate allowable loan sizes does not fall as much as actual interest rates, or only up to a point; this practice has ... This means the marginal borrower has less scope to increase their loan
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/proportion-investment-housing-relative-owner-occ-housing.html
The Next Ten Years | Supplementary Submission to the Financial System Inquiry – 13 January 1997 | Financial Sector | Submissions
13 Jan 1997
Submissions
The recent reduction in the interest rate margin on bank mortgages suggests that there may be some similarities between these two financial innovations. ... financial prices such as interest rates and exchange rates.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-supplement-1997/next-ten-years.html
Submission to the 16th Series Review of the Consumer Price Index
16 Mar 2010
Submissions
PDF
189KB
Consumer Price Index
https://www.rba.gov.au/publications/submissions/labour-market-and-inflation/16th-series-review-of-cpi/pdf/16th-series-review-of-cpi.pdf
Sources and Management of Systemic Risk | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
borrowers) include in their approval process an assessment of whether it can be serviced at higher (assumed) interest rates. ... years. If interest rates rise substantially during the term of the fixed-rate loan, households would be exposed to a negative
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/sources-and-management-of-systemic-risk.html
Executive Summary | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector | Submissions
6 Sep 1996
Submissions
In the RBA's view, these restrictions are in the national interest even though they involve a marginal reduction in the degree of competition in banking. ... In the latter case, the cost of supervision is well below the implicit tax imposed on banks by
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/executive-summary.html
The Australian Housing Market: Prices, Ownership and Affordability | Submission to the Productivity Commission Inquiry on First Home…
1 Nov 2003
Submissions
Measures of affordability of home ownership have declined since the mid 1990s, with house price increases more than offsetting the impact of lower interest rates on affordability. ... This ratio is still about a percentage point below the peak reached at
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-productivity-commission-on-first-home/prices-ownership-affordability.html
The Regulatory Response to the Global Financial Crisis | Submission to the Financial System Inquiry – March 2014 | Financial Sector |…
1 Mar 2014
Submissions
Emerging market economies have a history of using macroprudential tools, often because their exchange rate regime constrains the use of monetary policy (Borio and Shim 2007). ... It is, in any event, in Australia's interests to adopt high standards in
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/regulatory-response-to-the-global-financial-crisis.html