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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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List of tables

10 Nov 2008 SMP – November 2008
0.00. 2.09. Personal loans. Margin loans. 10.12. 0.43. 1.15. Standard credit cards. ... 14.84. 0.06. 2.22. Small business. Term loans. Residentially secured. 9.41. 0.69.
https://www.rba.gov.au/publications/smp/2008/nov/tables.html

List of tables

10 May 2008 SMP – May 2008
End Jul 2007. Cash rate. 7.25. 0.50. 1.00. Housing loans. Prime-full doc. ... Personal loans. Margin loans. 10.40. 0.74. 1.44. Standard credit cards. 19.38.
https://www.rba.gov.au/publications/smp/2008/may/tables.html

Results

11 Sep 2015 RDP 2015-01
Tom Bilston, Robert Johnson and Matthew Read
Indeed, the LGD on credit cards and other personal loans averaged around 50 per cent and 25 per cent in each year, respectively (although these loan types only account for about ... As a consequence, shocks of a magnitude that previously would have
https://www.rba.gov.au/publications/rdp/2015/2015-01/results.html
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List of tables

10 Aug 2006 SMP – August 2006
Home equity. 7.70. 0.25. – Margin loans. 8.50. 0.20. – Standard credit cards. ... Residential security:. – Overdraft. 8.45. 0.25. – Term loan. 7.80. 0.25.
https://www.rba.gov.au/publications/smp/2006/aug/tables.html

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

Domestic Financial Conditions

27 Nov 2018 SMP – November 2018
Housing loans. (a). – Variable principal-and-interest rate. – Owner-occupier. 4.30. 5. ... loans to less than 30 per cent of an ADI's new lending; tightening loan serviceability assessment criteria; and guidance aimed at limiting lending at high
https://www.rba.gov.au/publications/smp/2018/nov/domestic-financial-conditions.html

Box D: Enhancing the Transparency of Interest Rates

6 Feb 2020 SMP – February 2020
Mortgage rates vary across interest-only and principal-and-interest repayments, variable- and fixed-rate loans, loan sizes and loan-to-valuation ratios (LVRs). ... Personal finance also includes margin loans – which are loans that enable households to
https://www.rba.gov.au/publications/smp/2020/feb/box-d-enhancing-the-transparency-of-interest-rates.html

Introduction

1 Feb 1992 RDP 9202
Jerome Fahrer and Thomas Rohling
RDP 9202: Some Tests of Competition in the Australian Housing Loan Market 1. ... the reactions by each bank to the value of loans made by other banks.
https://www.rba.gov.au/publications/rdp/1992/9202/introduction.html
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List of tables

10 Nov 2009 SMP – November 2009
0.20. 3.40. Personal loans. Margin loans. 8.16. 0.15. 2.42. Standard credit cards. ... Term loans. Residentially secured. 7.48. 0.38. 2.61. Other security. 8.27. 0.38.
https://www.rba.gov.au/publications/smp/2009/nov/tables.html

List of tables

10 May 2009 SMP – May 2009
9.40. 1.00. 2.51. 0.24. Personal loans. Margin loans. 8.01. 0.92. 2.57. ... Home equity loans. 5.89. 1.04. 3.69. 2.33. Small business. Term loans.
https://www.rba.gov.au/publications/smp/2009/may/tables.html