Search: lender
RBA Glossary definition for lender
lender – A person or institution which provides loans on agreed terms to borrowers.
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11 Sep 2015
RDP
2015-01
banks, other authorised deposit-taking institutions (ADIs) and non-ADI lenders, such as mortgage originators). ... For example, some of these loan losses may be absorbed by lenders mortgage insurance.
https://www.rba.gov.au/publications/rdp/2015/2015-01/results.html
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The Rise in Household Liquidity
10 Nov 2021
RDP
2021-10
Alternatively, lenders may be more likely to lend to borrowers that have a relatively large buffer after taking on mortgage debt. ... Lenders also introduced interest-only loans and shared equity loans, which made it easier for households, particularly
https://www.rba.gov.au/publications/rdp/2021/2021-10/full.html
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Liquidity Shocks and the US Housing Credit Crisis of 2007–2008
2 Feb 2015
RDP
PDF
756KB
the amount of financing available to mortgage lenders.I use the differential exposures of individual mortgage lenders to the collapse ofthe securitisation market in 2007 as a source of cross-lender ... applicants. Under. 4. this assumption, a reduction
https://www.rba.gov.au/publications/rdp/2013/pdf/rdp2013-05.pdf
The Household Cash Flow Channel of Monetary Policy
14 Dec 2016
RDP
PDF
1053KB
3. lender channel is ignored. For instance, if there are more lenders than borrowers in the economy. ... lender channel). While there are roughly similar shares of lenders and borrowers in the population,.
https://www.rba.gov.au/publications/rdp/2016/pdf/rdp2016-12.pdf
The Real Effects of Debt Covenants: Evidence from Australia
24 Oct 2022
RDP
PDF
1647KB
misalignment in incentives between lenders and borrowers (Stein 2003). This paper studies the. ... shareholders with those of lenders by putting restrictions on how much wealth is kept within the.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-05.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
Introduction
21 Dec 2022
RDP
2022-08
Compression of these spreads is one of the key mechanisms highlighted in the literature that can adversely affect bank profitability at low rates, and results from competition with lenders less reliant
https://www.rba.gov.au/publications/rdp/2022/2022-08/introduction.html
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The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis
22 Jul 2020
RDP
2020-03
In Australia, lenders issue borrowers with a notice of default once a loan enters 90+ day arrears (ASIC nd). ... Where a lender extends some leniency towards the borrower, foreclosure will not occur immediately upon Equation (2a) being satisfied.
https://www.rba.gov.au/publications/rdp/2020/2020-03/full.html
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Data and Variables
1 Jul 2021
RDP
2021-07
A mortgage commitment takes place after the borrower receives an accepted and signed offer of credit from the lender, typically after the borrower has signed the contract for purchase of the ... An approval occurs once the borrower receives the signed
https://www.rba.gov.au/publications/rdp/2021/2021-07/data-and-variables.html
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The Real Effects of Debt Covenants: Evidence from Australia
25 Oct 2022
RDP
2022-05
A key cause of financial frictions is informational asymmetries and misalignment in incentives between lenders and borrowers (Stein 2003). ... Asset-based covenants have been shown to reduce the need to renegotiate loan terms as they better align the
https://www.rba.gov.au/publications/rdp/2022/2022-05/full.html
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