Search: borrower
RBA Glossary definition for borrower
borrower – A person or entity that incurs a debt to a lender on agreed terms.
Search Results
Global Trends
31 Dec 2006
RDP
2006-12
This has reduced interest margins on housing loans, lowering real interest rates paid by mortgage borrowers. ... 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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The Real Effects of Debt Covenants: Evidence from Australia
24 Oct 2022
RDP
PDF
1647KB
misalignment in incentives between lenders and borrowers (Stein 2003). This paper studies the.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-05.pdf
Do Australian Households Borrow to Keep up with the Joneses?
8 Nov 2022
RDP
PDF
1659KB
income inequality serves as a ‘signal’ to screen borrowers. This leads to credit being more readily.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-06.pdf
The Property Ladder after the Financial Crisis: The First Step is a Stretch but Those Who Make It Are Doing OK
1 Sep 2017
RDP
2017-05
FHBs typically have higher loan-to-valuation ratios and higher debt-servicing burdens than more established borrowers. ... This is not, of course, particularly surprising. Banks already emphasise the need for borrowers to have ‘genuine savings’ as an
https://www.rba.gov.au/publications/rdp/2017/2017-05/full.html
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Results
31 Dec 2012
RDP
2012-02
Deregulation of the financial system through the 1980s had resulted in a substantial easing of lending standards, particularly to business borrowers. ... In particular, the financial position of borrowers is likely to be taken into consideration by
https://www.rba.gov.au/publications/rdp/2012/2012-02/results.html
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Lending Behaviour
31 Dec 2013
RDP
2013-15
term by passing on changes in funding costs to borrowers as they occur. ... Over time, lenders have increasingly tried to differentiate between the relative riskiness and potential profitability of different borrowers.
https://www.rba.gov.au/publications/rdp/2013/2013-15/lending-behaviour.html
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Emergency Liquidity Injections
1 Oct 2019
RDP
2019-10
Research Discussion Paper – RDP 2019-10 Emergency Liquidity Injections. Nicholas Garvin. October 2019. 2.04. MB. 1. Introduction. If financial intermediaries in liquidity distress are to be bailed out, how should it be done? In late 2008
https://www.rba.gov.au/publications/rdp/2019/2019-10/full.html
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Method
11 Sep 2015
RDP
2015-01
Some lenders use this measure of household living expenses in their assessments of loan serviceability for new borrowers.
https://www.rba.gov.au/publications/rdp/2015/2015-01/method.html
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Conclusion
31 Dec 2003
RDP
2003-02
for borrowers or investors.
https://www.rba.gov.au/publications/rdp/2003/2003-02/conclusion.html
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Introduction
1 Jul 1992
RDP
9208
credit to borrowers who find it difficult to obtain funds in open markets. ... Small, heterogeneous commercial borrowers, without the reputations of larger companies, find it prohibitively expensive to borrow directly in open markets.
https://www.rba.gov.au/publications/rdp/1992/9208/introduction.html
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