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 Consequences of Low Interest Rates for the Australian Banking Sector
21 Dec 2022
RDP
2022-08
of the decline in Australian neutral rates following the global financial crisis (McCririck and Rees 2017), changes in the interest rates borrowers are expected to pay in the long run may ... Holding interest rates constant, an economic downturn
https://www.rba.gov.au/publications/rdp/2022/2022-08/full.html
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The Effect of Mortgage Debt on Consumer Spending: Evidence from Household-level Data
1 Jul 2019
RDP
2019-06
The scheduled balance is the total amount that the borrower is contracted to repay at any given time based on this formula. ... But given the capacity to prepay, most borrowers have an actual mortgage balance that is lower than the scheduled balance.
https://www.rba.gov.au/publications/rdp/2019/2019-06/full.html
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Introduction to Small Business Conditions and Finance
20 Aug 2015
Conferences
PDF
53KB
RBA Conference Volume 2015
https://www.rba.gov.au/publications/confs/2015/pdf/intro-2015.pdf
Is Monetary Policy Less Effective When Interest Rates Are Persistently Low? | Conference – 2017
16 Mar 2017
Conferences
Lower interest rates reduce loan-loss provisions, as they reduce borrowers' debt servicing costs and default probabilities. ... All this saps banks' intermediation capacity because rolled-over bad loans crowd out new lending for more productive borrowers.
https://www.rba.gov.au/publications/confs/2017/borio-hofmann.html
The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data
21 Jun 2023
RDP
2023-05
First, lower profits and sticky nominal return targets can increase banks' willingness to extend loans to riskier borrowers (Rajan 2006; Haldane 2011).
https://www.rba.gov.au/publications/rdp/2023/2023-05/full.html
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Macroprudential Limits on Mortgage Products: The Australian Experience
26 Jul 2021
RDP
2021-07
property. Commitments are categorised by either the borrower type (occupier or investor), or by the repayment structure (P&I or IO), or by both. ... Borrowers often receive a discount on the advertised rate, which is more common among large banks than mid
https://www.rba.gov.au/publications/rdp/2021/2021-07/full.html
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Academic Views of Capital Flows: An Expanding Universe
7 Dec 2006
Conferences
PDF
54KB
RBA Conference Volume 1999
https://www.rba.gov.au/publications/confs/1999/pdf/dooley-walsh.pdf
The Effect of Credit Constraints on Housing Prices: (Further) Evidence from a Survey Experiment
31 Jan 2023
RDP
2023-01
Adelino, Schoar and Severino (2016) use loan-level data to show that there were large increases in credit in middle-income and prime borrowers. ... Further, prime borrowers in these zip codes also showed strong growth in mortgage debt.
https://www.rba.gov.au/publications/rdp/2023/2023-01/full.html
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Agency Costs, Balance Sheets and the Business Cycle
1 Nov 1993
RDP
9311
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1993/9311.html
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The Provision of Financial Services – Trends, Prospects and Implications
1 Dec 1993
RDP
9315
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1993/9315.html
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