Search: Sub-prime mortgage
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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Macrofinancial Stress Testing on Australian Banks
13 Sep 2023
RDP
PDF
1940KB
The absence of historical experience with large losses on banks’ mortgage portfolios makes. ... residential mortgage-backed securities (RMBS), and selection bias in this sample (arising from.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-03.pdf
The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data
21 Jun 2023
RDP
2023-05
Research Discussion Paper – RDP 2023-05 The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data. Callan Windsor, Terhi Jokipii and Matthieu Bussiere. June 2023. 1.3. MB. Supplementary
https://www.rba.gov.au/publications/rdp/2023/2023-05.html
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Mortgage-related Financial Difficulties: Evidence from Australian Micro-level Data
4 Feb 2015
RDP
PDF
728KB
Research Discussion Paper. Mortgage-related Financial Difficulties: Evidence from Australian Micro-level Data. ... JEL Classification Numbers: G21, R29, R31Keywords: household surveys, loan-level data, mortgage default.
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-13.pdf
Macroprudential Limits on Mortgage Products: The Australian Experience
4 Aug 2021
RDP
PDF
2345KB
Keywords: macroprudential policy, banks, mortgages, mortgage rates. Table of Contents. 1. ... targeted mortgage products. Banks cut lending growth in targeted mortgages by around 20 to.
https://www.rba.gov.au/publications/rdp/2021/pdf/rdp2021-07.pdf
Global Trends
31 Dec 2006
RDP
2006-12
France. Variable payment mortgages. Flexibility of payments. Germany. Consolidation of mortgage bond legislation. ... Possible expansion in funding for borrowers with enough equity. Netherlands. Savings/equity loans (endowment mortgages).
https://www.rba.gov.au/publications/rdp/2006/2006-12/global-trends.html
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5-6 February 2024 | Minutes of the Monetary Policy Meeting of the Board
20 Feb 2024
Minutes
Minutes of the monetary policy meeting of the Reserve Bank Board for 5-6 February 2024
https://www.rba.gov.au/monetary-policy/rba-board-minutes/2024/2024-02-06.html
How Risky is Australian Household Debt?
25 Aug 2020
RDP
2020-05
However, our analysis finds that the banks would likely be resilient to such a scenario because of the significant amount of collateral backing their mortgage lending (that is, the moderate ... and how (mortgage) debt is taxed (since that affects the
https://www.rba.gov.au/publications/rdp/2020/2020-05/full.html
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Valuing Safety and Privacy in Retail Central Bank Digital Currency
11 Apr 2024
RDP
2024-02
Research Discussion Paper – RDP 2024-02 Valuing Safety and Privacy in Retail Central Bank Digital Currency. Zan Fairweather, Denzil Fiebig, Adam Gorajek, Rochelle Guttmann, June Ma and Jack Mulqueeney. April 2024. 1.55. MB. 146. KB. Supplementary
https://www.rba.gov.au/publications/rdp/2024/2024-02.html
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The Household Cash Flow Channel of Monetary Policy
1 Dec 2016
RDP
2016-12
Australia has a relatively high share of borrowers with variable-rate mortgage debt by international standards (at around 80 per cent of all mortgages). ... The variable-rate mortgage borrower is assumed to face the average advertised interest rate on
https://www.rba.gov.au/publications/rdp/2016/2016-12/full.html
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Read me file for Macroprudential Limits on Mortgage Products: The Australian Experience
22 Jul 2021
RDP
PDF
552KB
RDP 2021-07 supplementary information
https://www.rba.gov.au/publications/rdp/2021/2021-07/rdp-2021-07-read-me.pdf