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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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Housing and Housing Finance: The View from Australia and Beyond
8 Jan 2007
RDP
PDF
278KB
This has reduced interest margins on housing loans, lowering real interest rates paid by mortgage borrowers. ... NZ Increased competition; expansion in fixed-rate loans. Reduction in interest margins; increased capacity to pay.
https://www.rba.gov.au/publications/rdp/2006/pdf/rdp2006-12.pdf
The Evolving Structure of the Australian Financial System
1 Dec 2009
RDP
PDF
129KB
3.2 Competition and Margins 20. 3.3 Impact of Foreign Banks 26. ... 4. Margins over bill rate(Annual averages). Business indicator. Housing loan. 90-day bank bill rate.
https://www.rba.gov.au/publications/rdp/1996/pdf/rdp9605.pdf
The Cash Market in Australia
31 Jan 2006
RDP
PDF
245KB
ABSTRACT. The cash market is the market for overnight loans between financial institutions. ... recall by banks of ES loans made in the past to authorised dealers;.
https://www.rba.gov.au/publications/rdp/1992/pdf/rdp9214.pdf
Lending Behaviour
31 Dec 2013
RDP
2013-15
Notes: Spreads on outstanding loans. (a) Loans greater than $2 million; includes bill lending. ... This shift may have been a response by lenders to margins on these loans that appeared to be too narrow to accommodate the increase in funding costs, with
https://www.rba.gov.au/publications/rdp/2013/2013-15/lending-behaviour.html
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The Efficiency of Central Clearing: A Segmented Markets Approach
24 Oct 2016
RDP
PDF
2054KB
payments on the defaulting contract); variation margin, where cash is exchanged to reflect. ... derivatives that must be centrally cleared, margin requirements and default fund contributions as.
https://www.rba.gov.au/publications/rdp/2016/pdf/rdp2016-07.pdf
Results with Tax Data on Actual Investment
19 Dec 2023
RDP
2023-09
The decline in both margins is statistically significant (at the 95 per cent level), and peaks after around two years. ... So using this simple framework, the intensive margin is about twice as important as the extensive margin.
https://www.rba.gov.au/publications/rdp/2023/2023-09/results-with-tax-data-on-actual-investment.html
Credit Supply and Demand and the Australian Economy
31 Jan 2006
RDP
PDF
637KB
The margin between the bank loan rate and the risk free rate rises from (il - i) to (i2 - i). ... While the market for loans is cleared at the rate i2 in this example, any further increase in loan demand would lead to a state of excess demand.
https://www.rba.gov.au/publications/rdp/1992/pdf/rdp9208.pdf
The Liberalisation and Integration of Domestic Financial Markets in Western Pacific Economies
1 Dec 2009
RDP
PDF
253KB
The deposit and loan rates areassumed to be determined by a profit maximising bank with a simplified balancesheet comprising reserves (R) and loans (L) on the asset side, and money marketborrowings ... is the probability of payment of loaninterest, q is
https://www.rba.gov.au/publications/rdp/1995/pdf/rdp9506.pdf
DSGE Reno: Adding a Housing Block to a Small Open Economy Model
11 Jun 2018
RDP
PDF
1710KB
In our. 4 Interest on ‘margin loans’ used to purchase equities is treated similarly to interest on housing loans. ... approach. The other main difference is that in Iacoviello-type models housing serves as collateral for loans,.
https://www.rba.gov.au/publications/rdp/2018/pdf/rdp2018-04.pdf
Emergency Liquidity Injections
1 Oct 2019
RDP
2019-10
In the model presented here, lending policies that permit banks to repay the loans after conditions improve are more credible than a securities purchase policy. ... The shock b can be interpreted as short-term creditors not rolling over debt, withdrawing
https://www.rba.gov.au/publications/rdp/2019/2019-10/full.html
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