Search: Sub-prime mortgage

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RBA Glossary definition for Sub-prime mortgage

Sub-prime mortgage – While there is no precise definition of sub-prime mortgages, in the United States, they are typically loans made to borrowers with impaired credit histories, which might include one or more payment defaults, a previous loan foreclosure, or bankruptcy.

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Panel Discussion on Fifty Years of Monetary Policy: What Have We Learned? | Conference – 2010

9 Feb 2010 Conferences
The obvious answer is to use regulatory instruments, such as mortgage terms, and possibly countercyclical capital and maybe liquidity ratios. ... Simple prudential tools would have prevented sub-prime mortgages from coming into being and their derivative
https://www.rba.gov.au/publications/confs/2010/cagliarini-kent-stevens-disc.html

Determinants of Agricultural and Mineral Commodity Prices | Conference – 2009

17 Aug 2009 Conferences
Jeffrey A Frankel and Andrew K Rose
But the sub-prime mortgage crisis hit the United States around August 2007.
https://www.rba.gov.au/publications/confs/2009/frankel-rose.html

Liquidity, Financial Crises and the Lender of Last Resort – How Much of a Departure is the Sub-prime Crisis? | Conference – 2008

14 Jul 2008 Conferences
E Philip Davis
This section provides a benchmark against which to compare previous episodes to the sub-prime crisis. ... By 2007 there was a growing realisation of potential losses on sub-prime mortgages (that is, credit risk) as US house prices fell and defaults
https://www.rba.gov.au/publications/confs/2008/davis.html

The Sub-prime Crisis: Causal Distortions and Regulatory Reform | Conference – 2008

14 Jul 2008 Conferences
Adrian Blundell-Wignall and Paul Atkinson
Delinquencies in sub-prime mortgages underlying RMBS and leveraged off-balance sheet conduits began to rise in early 2007, causing their prices to fall and generating losses on securities. ... Overall, the likely deleveraging process that will accompany
https://www.rba.gov.au/publications/confs/2008/blundell-wignall-atkinson.html

Discussion on Liquidity, Financial Crises and the Lender of Last Resort – How Much of a Departure is the Sub-prime Crisis? | Conference –…

14 Jul 2008 Conferences
Philip focuses our attention on the implications of the sub-prime crisis for the ‘lender of last resort’ (LOLR) function of central banks. ... And yet it has precipitated the need for emergency liquidity support of a range of institutions, many of
https://www.rba.gov.au/publications/confs/2008/davis-disc.html

Table 3 in The Sub-prime Crisis: Causal Distortions and Regulatory Reform | Conference – 2008

14 Jul 2008 Conferences
RBA Annual Conference – 2008 The Sub-prime Crisis: Causal Distortions and Regulatory Reform. ... 35.92. 3.39. 31.87. 2.65. 31.18. 2.58. 37.16. Fixed mortgage rate. 0.024.
https://www.rba.gov.au/publications/confs/2008/blundell-wignall-atkinson-table-3.html

Table 2 in The Sub-prime Crisis: Causal Distortions and Regulatory Reform | Conference – 2008

14 Jul 2008 Conferences
RBA Annual Conference – 2008 The Sub-prime Crisis: Causal Distortions and Regulatory Reform. ... Residential mortgages – fully secured. 50. 35. 35. 61.5. 72.7. Retail lending (consumer).
https://www.rba.gov.au/publications/confs/2008/blundell-wignall-atkinson-table-2.html

Discussion on The Sub-prime Crisis: Causal Distortions and Regulatory Reform | Conference – 2008

14 Jul 2008 Conferences
Second, the timing is problematic. Most of the fraudulent and sub-prime mortgages that were packaged into collateralised debt obligations were apparently of the 2006–07 vintage. ... States. If banks' actions in originating sub-prime mortgages and
https://www.rba.gov.au/publications/confs/2008/blundell-wignall-atkinson-disc.html

Financial Innovation: What Have We Learnt? | Conference – 2008

14 Jul 2008 Conferences
Nigel Jenkinson, Adrian Penalver and Nicholas Vause
Many investors in residential mortgage-backed securities (RMBS) and CDOs of ABS linked to US sub-prime mortgages have been surprised by the extent to which the performance of these instruments ... It was the combination of these misaligned incentives
https://www.rba.gov.au/publications/confs/2008/jenkinson-penalver-vause.html

Introduction | Conference – 2008

14 Jul 2008 Conferences
Paul Bloxham and Christopher Kent
with adverse news about the US sub-prime mortgage market gaining prominence in June and July 2007. ... They posit that these policy shifts drove the rise in sub-prime mortgage lending, from which the financial crisis stemmed.
https://www.rba.gov.au/publications/confs/2008/intro-2008.html