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: An International Comparison of Pass-through of Policy Rate Changes to Housing Loan Rates
10 Feb 2009
SMP
– February 2009
Rates on outstanding variable rate loans have fallen by more, though pass-through has still been limited. ... Even on tracker loans, where the pass-through of changes in the bank rate should be automatic, some loan contracts have clauses which allow
https://www.rba.gov.au/publications/smp/2009/feb/box-b.html
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
Domestic Financial Conditions
5 May 2023
SMP
– May 2023
Domestic Financial Conditions | Statement on Monetary Policy – May 2023
https://www.rba.gov.au/publications/smp/2023/may/domestic-financial-conditions.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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List of tables
10 Aug 2008
SMP
– August 2008
End July 2007. Cash rate. 7.25. 0.00. 1.00. Housing loans. Prime-full doc. ... 0.30. 1.99. Non-conforming. 11.71. 0.15. 2.09. Personal loans. Margin loans. 10.54.
https://www.rba.gov.au/publications/smp/2008/aug/tables.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
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