Search: margin loans
RBA Glossary definition for margin loans
margin loans – Loans which are made to investors to purchase financial assets, usually equities or units in managed funds. These assets are used as security for the margin loan. Margin loan clients are required to keep the ratio of borrowings to the value of underlying security below a pre-arranged level. When the ratio goes above this level, lenders will make a margin call, requiring the borrower to either repay some of the loan or provide additional security to support the loan.
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Box B: Variable Interest Rates on Housing Loans
10 Mar 2005
FSR
– March 2005
Whereas during the 1990s most housing loan borrowers were paying the standard variable interest rate, it now appears that about 80 per cent of borrowers taking out loans recently paid less ... This slight margin was probably attributable to some
https://www.rba.gov.au/publications/fsr/2005/mar/box-b.html
List of tables
10 Mar 2006
FSR
– March 2006
a) Margin loan data are for December 2003 and December 2005, and include some margin loans to business. ... Margin loans feature in both revolving and fixed credit owing to differences in reporting across lenders.
https://www.rba.gov.au/publications/fsr/2006/mar/tables.html
FSR March 2007 List of tables
10 Mar 2007
FSR
– March 2007
17.7. 34.6. 26.2. (a) Margin loan data are for December 2006, and exclude loans over $10 million but include some margin loans to business. ... Margin loans feature in both revolving and fixed credit owing to differences in reporting across lenders.
https://www.rba.gov.au/publications/fsr/2007/mar/tables.html
Box B: Recent Trends in Personal Credit
10 Apr 2018
FSR
– April 2018
Fixed-term loans are typically for an agreed loan size that is fully drawn down and must be paid back within a pre-determined period. ... Margin loans enable households to have a leveraged exposure to equity markets.
https://www.rba.gov.au/publications/fsr/2018/apr/box-b.html
Appendix 1: Summary of Deregulation in Banking and in Deposit and Loan Markets
1 Sep 1995
RDP
9506
Loan market. February 1972. maximum interest rate on overdrafts and housing loans over A$50,000 removed. ... Philippines. Date. Banking sector. Deposit market. Loan market. July 1981. interest rate ceilings removed.
https://www.rba.gov.au/publications/rdp/1995/9506/appendix-1.html
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Household and Business Finances in Australia
6 Apr 2023
FSR
– April 2023
Household and Business Finances in Australia | Financial Stability Review – April 2023
https://www.rba.gov.au/publications/fsr/2023/apr/household-business-finances.html
Resilience of the Australian Financial System
6 Oct 2023
FSR
– October 2023
Resilience of the Australian Financial System | Financial Stability Review – October 2023
https://www.rba.gov.au/publications/fsr/2023/oct/australian-financial-system.html
2.2 Operations in Financial Markets
19 Oct 2023
RBA Annual Report
– October 2023
Operations in Financial Markets | Reserve Bank of Australia Annual Report – October 2023
https://www.rba.gov.au/publications/annual-reports/rba/2023/operations-in-financial-markets.html
Notes to and Forming Part of the Financial Statements
19 Oct 2023
RBA Annual Report
– October 2023
Cash collateral provided. 859. 25. 2.9. Gold loans. 457. 1. 0.1. ... Gold borrowed under gold swaps. 66. 3. 3.9. Loans, advances and other.
https://www.rba.gov.au/publications/annual-reports/rba/2023/financial-statements/notes.html
BA-MARTIN in Detail
18 Jan 2022
RDP
2022-01
We do not currently model losses on business loans, and simply assume business loan losses move proportionately with housing loan losses. ... θ. is the household share of banks' outstanding loans (estimated from APRA data).
https://www.rba.gov.au/publications/rdp/2022/2022-01/ba-martin-in-detail.html
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