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RBA Glossary definition for borrower

borrower – A person or entity that incurs a debt to a lender on agreed terms.

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Financial Conditions

6 Feb 2024 SMP – February 2024
Financial Conditions | Statement on Monetary Policy – February 2024
https://www.rba.gov.au/publications/smp/2024/feb/financial-conditions.html

Outlook

6 Feb 2024 SMP – February 2024
Outlook | Statement on Monetary Policy – February 2024
https://www.rba.gov.au/publications/smp/2024/feb/outlook.html

The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis

22 Jul 2020 RDP 2020-03
Michelle Bergmann
My results are broadly consistent with the double-trigger hypothesis. Ability-to-pay factors, such as regional unemployment rates and borrowers' repayment-to-income ratios, are found to be correlated with
https://www.rba.gov.au/publications/rdp/2020/2020-03.html
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Box C: Do Borrowers with Older Mortgages Pay Higher Interest Rates?

6 Feb 2020 SMP – February 2020
https://www.rba.gov.au/publications/smp/2020/feb/box-c-do-borrowers-with-older-mortgages-pay-higher-interest-rates.html

The Role of Collateral in Borrowing

20 Jan 2021 RDP 2021-01
Nicholas Garvin, David W Hughes and José-Luis Peydró
Australian interbank markets at the time of the Lehman Brothers failure present a platform for identification, because the collateral is liquid and homogenous across borrowers (unlike in retail credit markets), the ... After the exogenous shock,
https://www.rba.gov.au/publications/rdp/2021/2021-01.html
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Domestic Financial Conditions

4 Aug 2023 SMP – August 2023
Domestic Financial Conditions | Statement on Monetary Policy – August 2023
https://www.rba.gov.au/publications/smp/2023/aug/domestic-financial-conditions.html

List of tables

10 Aug 2006 SMP – August 2006
Actual rate paid by new borrowers. 7.50. 6.95. 7.20. (a). (a) Assuming full pass-through of the August tightening.
https://www.rba.gov.au/publications/smp/2006/aug/tables.html

A Closer Look at the Borrower Cash Flow Channel

23 Dec 2016 RDP 2016-12
Gianni La Cava, Helen Hughson and Greg Kaplan
Download the Paper 1. MB. Next, we take a closer look at the borrower cash flow channel by exploiting variation between variable-rate and fixed-rate borrowers in their response to ... If the borrower cash flow channel exists, the cash flows and spending
https://www.rba.gov.au/publications/rdp/2016/2016-12/closer-look-at-the-borrower-cash-flow-channel.html
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Boxes

31 Dec 2020 SMP – 2020
A number of Boxes on topics of special interest are published in the Statement on Monetary Policy and its forerunners, the Semi-Annual Statement on Monetary Policy and the quarterly reports on the Economy and Financial Markets. These boxes can be
https://www.rba.gov.au/publications/smp/2020/boxes.html

Mortgage-related Financial Difficulties: Evidence from Australian Micro-level Data

25 Nov 2014 RDP 2014-13
Matthew Read, Chris Stewart and Gianni La Cava
Additionally, the probability of entering arrears varies across different loan types; for example, low-documentation loans are more likely to enter arrears, even after controlling for whether the borrower was ... employed. The likelihood of entering
https://www.rba.gov.au/publications/rdp/2014/2014-13.html
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