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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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Appendix 1: Data
1 Jun 1992
RDP
9206
In May 1990, a retail index rate was introduced. Loans to small businesses are expressed as the retail index rate plus a margin. ... Table R.2/17. “Lending and Borrowing Rates”. Item III 1(c) Building society mortgage loans, nominal rate.
https://www.rba.gov.au/publications/rdp/1992/9206/appendix-1.html
References
1 Jun 1992
RDP
9206
RDP 9206: Loan Rate Stickiness: Theory and Evidence References. Philip Lowe and Thomas Rohling. ... 1991. Reserve Bank of Australia, “Bank Interest Rate Margins”, Reserve Bank of Australia Bulletin, May 1992, 1–6.
https://www.rba.gov.au/publications/rdp/1992/9206/references.html
Tests of Loan Rate Stickiness
1 Jun 1992
RDP
9206
Instead, they typically quote some base or reference rate to which a margin is added to obtain the actual loan rate. ... Loan Type. Rate Description. Deregulated Sample Period. Personal Loans. Minimum Rate on Secured Loans.
https://www.rba.gov.au/publications/rdp/1992/9206/tests-of-loan-rate-stickiness.html