Search: borrower
RBA Glossary definition for borrower
borrower – A person or entity that incurs a debt to a lender on agreed terms.
Search Results
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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Identifying Repo Market Microstructure from Securities Transactions Data
1 Aug 2018
RDP
2018-09
Borrowers provide and receive back securities as collateral alongside their receipt and repayment of the cash that they borrow. ... Loan-level data are valuable because, for example, they capture information on the borrower and lender for each transaction
https://www.rba.gov.au/publications/rdp/2018/2018-09/full.html
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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
Housing Prices and Entrepreneurship: Evidence for the Housing Collateral Channel in Australia | Conference – 2015
19 Mar 2015
Conferences
itself. The cost of loan origination can also potentially be reduced if the borrower provides collateral. ... If the borrower fails one of these tests, then the application goes to a credit officer for manual assessment.
https://www.rba.gov.au/publications/confs/2015/connolly-lacava-read.html
The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data
8 Jun 2023
RDP
PDF
1310KB
increase banks’ willingness to extend loans to riskier borrowers (Rajan 2006; Haldane 2011).
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-05.pdf
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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The Consequences of Low Interest Rates for the Australian Banking Sector
19 Dec 2022
RDP
PDF
1588KB
borrowers to repay their loans and the values of the assets these loans are secured against. ... rate loans, the policy easing also directly reduces borrowers’ interest payments, thereby improving.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-08.pdf
Macroprudential Limits on Mortgage Products: The Australian Experience
4 Aug 2021
RDP
PDF
2345KB
borrowers that will rent out the housing. The second policy, announced early 2017, imposed limits. ... banks’ mortgage pricing power (7.2.3); borrowers’ reclassifications of mortgage types (7.3); and,.
https://www.rba.gov.au/publications/rdp/2021/pdf/rdp2021-07.pdf
Housing Leverage in Australia
1 Jul 2003
RDP
2003-09
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/2003/2003-09.html
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Impacts of Financial Factors on Emerging Market Business Cycle Fluctuations
1 Dec 2009
Research Workshop
PDF
365KB
Reserve Bank of Australia Research Workshop 2009
https://www.rba.gov.au/publications/workshops/research/2009/pdf/tanboon.pdf