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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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How Risky is Australian Household Debt?
19 Aug 2020
RDP
PDF
1880KB
severe downturn thanks to moderate loan-to-valuation ratios on residential mortgages; and the. ... amount of collateral backing their mortgage lending (that is, the moderate loan-to-valuation ratios.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-05.pdf
Australian Money Market Divergence: Arbitrage Opportunity or Illusion?
12 Sep 2019
RDP
PDF
1464KB
Note: (a) Discounted variable rates on owner-occupier housing loans; spread to cash rate. ... rates. Applying the same methodology, we find margins on residential mortgages have been.
https://www.rba.gov.au/publications/rdp/2019/pdf/rdp2019-09.pdf
How Risky is Australian Household Debt?
25 Aug 2020
RDP
2020-05
a given-sized loan in the initial years after it is written (as argued by Debelle (2004), Ellis (2005) and Mishkin (2007)). ... The impact of the shock can then be estimated by comparing pre- and post-shock default rates, loan losses and consumption.
https://www.rba.gov.au/publications/rdp/2020/2020-05/full.html
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Australian Money Market Divergence: Arbitrage Opportunity or Illusion?
1 Sep 2019
RDP
2019-09
Note: (a) Discounted variable rates on owner-occupier housing loans; spread to cash rate. ... Source. Notes. Gross returns (GR. it. ). Mortgages. Discounted variable lending rate on housing loans.
https://www.rba.gov.au/publications/rdp/2019/2019-09/full.html
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DSGE Reno: Adding a Housing Block to a Small Open Economy Model
1 Apr 2018
RDP
2018-04
The other main difference is that in Iacoviello-type models housing serves as collateral for loans, whereas we abstract from debt dynamics implied by liquidity constrained households, instead focusing on housing
https://www.rba.gov.au/publications/rdp/2018/2018-04/full.html
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The Evolution of Payment Costs in Australia
11 Apr 2019
RDP
PDF
1298KB
While fees are a reasonable proxy for costs in some situations, there are other instances where they are not sufficient given that profit margins are not separately identified and so are ... Finally, cheques are the most resource intensive of the payment
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-14.pdf
Emergency Liquidity Injections
3 Oct 2019
RDP
PDF
2093KB
costly at the margin, and since the marginal effect of taking liquidity risk is to increase the probability. ... credible. In the model presented here, lending policies that permit banks to repay the loans after.
https://www.rba.gov.au/publications/rdp/2019/pdf/rdp2019-10.pdf
The Algorithm Performance
15 Aug 2018
RDP
2018-09
Partial repayments are more common than loan increases by a small margin. ... Any detected overnight loans must therefore be false detections rather than actual overnight loans.
https://www.rba.gov.au/publications/rdp/2018/2018-09/the-algorithm-performance.html
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Business Credit and Investment
1 Jul 1992
RDP
9208
loans. As interest rates rise there are two effects at work:. the quality of the borrower pool declines as prudent investors drop out of the loan market. ... The margin between the bank loan rate and the risk free rate rises from (i.
https://www.rba.gov.au/publications/rdp/1992/9208/business-credit-and-investment.html
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Appendix A: Data Details
12 Sep 2014
RDP
2014-06
First, the data are thin, with few loans being made at this rate. ... Earlier data are difficult to interpret but do not clearly point to a change in expected margins.
https://www.rba.gov.au/publications/rdp/2014/2014-06/appendix-a.html
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