Search: borrower
RBA Glossary definition for borrower
borrower – A person or entity that incurs a debt to a lender on agreed terms.
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The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis
19 Jul 2020
RDP
PDF
1853KB
borrowers to negative equity. For example, in the ‘frictionless option model’, borrowers rationally. ... borrower entering arrears. They estimate a multinomial logit for whether borrowers in arrears go on.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-03.pdf
The Term Funding Facility: Has It Encouraged Business Lending?
8 Dec 2022
RDP
PDF
2133KB
access to data on individual borrowers. We use a regression in the spirit of a triple-difference framework to address the potential difference. ... including because non-banks may lend to a different population of borrowers than banks.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-07.pdf
Read me file for The Role of Collateral in Borrowing
17 Jan 2021
RDP
PDF
467KB
RDP 2021-01 supplementary information
https://www.rba.gov.au/publications/rdp/2021/2021-01/rdp-2021-01-read-me.pdf
Identifying Repo Market Microstructure from Securities Transactions Data
13 Aug 2018
RDP
PDF
2622KB
collateral, whereas if an unsecured borrower defaults, the lender joins other unsecured creditors. ... Loan-level data are valuable because, for example, they capture information on the borrower and.
https://www.rba.gov.au/publications/rdp/2018/pdf/rdp2018-09.pdf
Non-technical summary for 'The Real Effects of Debt Covenants: Evidence from Australia'
18 Oct 2022
RDP
PDF
480KB
RDP 2022-05 non-technical summary
https://www.rba.gov.au/publications/rdp/2022/2022-05/rdp-2022-05-non-technical-summary.pdf
The Role of Collateral in Borrowing
14 Jan 2021
RDP
PDF
1784KB
Lenders to each borrower Borrowers to each lender. Min Mean Max Std dev Min Mean Max Std dev. ... borrowers) they dealt with. Specifically, if a borrower borrows from N different lenders throughout.
https://www.rba.gov.au/publications/rdp/2021/pdf/rdp2021-01.pdf
Trends in the Funding and Lending Behaviour of Australian Banks
2 Feb 2015
RDP
PDF
1090KB
term by passing on changes in funding costs to borrowers as they occur. ... where borrowers with more equity have also tended to receive larger discounts (Allen, Clark and Houde 2011).
https://www.rba.gov.au/publications/rdp/2013/pdf/rdp2013-15.pdf
Do Monetary Policy and Economic Conditions Impact Innovation? Evidence from Australian Administrative Data
13 Feb 2024
RDP
PDF
1260KB
which reduce borrowers’ collateral value and therefore borrowing capacity, the ‘financial accelerator.
https://www.rba.gov.au/publications/rdp/2024/pdf/rdp2024-01.pdf
Macrofinancial Stress Testing on Australian Banks
13 Sep 2023
RDP
PDF
1940KB
focus on those whose institutional and legal frameworks, LVR distribution, and borrower and bank. ... that is, the extent to which the borrower is in negative equity), plus a margin to cover foreclosure.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-03.pdf
The Rise in Household Liquidity
24 Nov 2021
RDP
PDF
1793KB
importance of offset accounts by separating borrowers into those that report having an offset. ... Similarly, borrowers with. Mortgage debt-to-income ratio. Gross. Net of liquid assets2.
https://www.rba.gov.au/publications/rdp/2021/pdf/rdp2021-10.pdf