Search: Nominal interest rate
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RBA Glossary definition for Nominal interest rate
Nominal interest rate – The nominal interest rate refers to the cost of borrowing money before adjustment for inflation i.e. it includes compensation for the expected erosion of the value of the borrowed funds due to inflation. It is the cost visible to the borrower, and is composed of the real interest rate plus inflation.
RBA Glossary definition for interest rate
interest rate – The term used to describe the cost of borrowing money or the return to the owner of the funds which are invested or lent out. It is usually expressed as a percent per annum of the amount of money borrowed, lent or invested.
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Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates-The Credit Card Market
8 May 2024
Submissions
Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates. ... Indeed, there are numerous websites which allow cardholders to compare product features, introductory offers, interest rates and annual fees across a range of
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/the-credit-card-market.html
Submission to the Inquiry into Housing Affordability and Supply in Australia
20 Sep 2021
Submissions
PDF
1496KB
constant over the life of a loan if interest rates also remain constant. ... lower. In addition, by maintaining mortgage payments steady as interest rates fall, existing.
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-housing-affordability-and-supply-in-australia/pdf/inquiry-into-housing-affordability-and-supply-in-australia.pdf
Submission to the Financial System Inquiry March 2014
10 Nov 2017
Submissions
PDF
3041KB
Financial System Inquiry
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/pdf/financial-system-inquiry-2014-03.pdf
Competition in the Financial System - September 2017
19 Sep 2017
Submissions
PDF
969KB
Submission to the Productivity Commission Inquiry
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/pdf/submission-to-productivity-commission-september-2017.pdf
Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates
14 Aug 2015
Submissions
PDF
905KB
and while ‘standard’ interest rates on credit cards tend to be very high, lower-rate cards are. ... Low fee. Low rate. Zero fee. Source: RBA. SUBMISSION TO THE SENATE INQUIRY INTO MATTERS RELATING TO CREDIT CARD INTEREST RATES | 5.
https://www.rba.gov.au/publications/submissions/financial-sector/pdf/inquiry-matters-relating-to-credit-card-interest-rates-2015-08.pdf
Submission to the Inquiry into Home Ownership - June 2015
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
Home Ownership Rates | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions
1 Jun 2015
Submissions
However, this mainly was driven by the structural downward shift in consumer price inflation and thus nominal interest rates. ... It is most likely a consequence of the structural decline in inflation in the early 1990s, and associated falls in nominal
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/home-ownership-rates.html
Drivers of Demand | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions
1 Jun 2015
Submissions
In particular, the transition to a low-inflation regime, implying lower nominal interest rates, has significantly increased households' borrowing capacities relative to their current incomes, and therefore their capacity to service ... Graph 20. Over the
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/drivers-of-demand.html
Impact of Taxation | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions
1 Jun 2015
Submissions
With mortgage interest rates also having fallen over this period, some properties might no longer be negatively geared. ... In particular, the switch in 1999 from calculating CGT at the full marginal rate on the real gain to calculating it as half the
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/impact-of-taxation.html
Opportunities for Reform | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions
1 Jun 2015
Submissions
Ensuring appropriate housing in retirement could be consistent with a range of home ownership rates for the whole population. ... of large falls in nominal housing prices that have occurred other than through significant reduction in capacity to pay (e.g.
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/opportunities-for-reform.html