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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BA-MARTIN in Detail
18 Jan 2022
RDP
2022-01
When capital ratios fall below banks' desired levels, banks increase the spreads they charge borrowers above these unconstrained spreads. ... lending standards are tightened). In this case, even though each borrower would be paying more for their loan,
https://www.rba.gov.au/publications/rdp/2022/2022-01/ba-martin-in-detail.html
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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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Agency Costs, Balance Sheets and the Business Cycle
1 Nov 1993
RDP
9311
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1993/9311.html
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The Effect of Credit Constraints on Housing Prices: (Further) Evidence from a Survey Experiment
25 Jan 2023
RDP
PDF
1588KB
constraints. In the empirical micro literature, Mian andSufi (2009) document that zip codes with more subprime borrowers in 1996 had disproportionatelyhigh mortgage growth in the boom and default rates in 2007 ... Further, prime borrowers in these
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-01.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
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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The Effect of Credit Constraints on Housing Prices: (Further) Evidence from a Survey Experiment
31 Jan 2023
RDP
2023-01
Adelino, Schoar and Severino (2016) use loan-level data to show that there were large increases in credit in middle-income and prime borrowers. ... Further, prime borrowers in these zip codes also showed strong growth in mortgage debt.
https://www.rba.gov.au/publications/rdp/2023/2023-01/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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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 Provision of Financial Services – Trends, Prospects and Implications
1 Dec 1993
RDP
9315
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1993/9315.html
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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