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22 Sep 2016
Submissions
Handout and Supplementary Information Prepared for Standing Committee on Economics – September 2016
https://www.rba.gov.au/publications/submissions/financial-sector/handout-standing-committee-on-economics-2016-09-22/
21 Sep 2016
Submissions
PDF
386KB
The spread between banks’ mortgage rates and the cash rate declined significantly in the 1990s, but moved higher by nearly two percentage points following the global financial crisis (GFC). ... Reserve Bank of Australia 3. Average interest
https://www.rba.gov.au/publications/submissions/financial-sector/handout-standing-committee-on-economics-2016-09-22/pdf/handout-standing-committee-on-economics-2016-09-22.pdf
27 Aug 2015
Submissions
Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates. ... Cardholders also started to make greater use of eftpos cash-out at retailers, where there is generally no charge.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/atm-fees.html
27 Aug 2015
Submissions
b) The higher rate applies if an account is deemed qualified (if spending on that account exceeds a card-specific threshold). ... India. Maximum INR20 (A$0.42). NA. Financial institutions must offer customers a number of fee-free cash withdrawals every
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/tables.html
27 Aug 2015
Submissions
Graph 14: Distribution of Credit Card Interest Rates. ... Graph 15: Advertised Interest Rates.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/graphs.html
14 Aug 2015
Submissions
PDF
905KB
Advertised rates on standard and lower-rate cards have been quite sticky in recent years,. ... preferential rates) was more than 50 basis points higher than the interchange rate applying to.
https://www.rba.gov.au/publications/submissions/financial-sector/pdf/inquiry-matters-relating-to-credit-card-interest-rates-2015-08.pdf
15 Jul 2015
Submissions
PDF
4844KB
Submission to the Inquiry into Home Ownership
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/pdf/inquiry-into-home-ownership.pdf
1 Jun 2015
Submissions
Countries that tax imputed rent (e.g. Switzerland) tend to have lower home ownership rates than in Australia. ... With mortgage interest rates also having fallen over this period, some properties might no longer be negatively geared.
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/impact-of-taxation.html
1 Jun 2015
Submissions
Graph 20. Over the shorter term, fluctuations in interest rates can be expected to affect the demand for housing. ... By reducing the burden of debt repayments relative to income, lower interest rates may ease cash-flow constraints and increase borrowing
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/drivers-of-demand.html
1 Dec 2014
Submissions
PDF
652KB
https://www.rba.gov.au/publications/submissions/payments-system/pdf/inquiry-digital-currency-2014-11.pdf