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 Financial System Inquiry - 6 September 1996 (Published as Occasional Paper No. 14)
25 Jul 2013
Submissions
PDF
604KB
In the latter case, the cost of supervision is well below the implicit taximposed on banks by the penalty interest rate on Non-Callable Deposits. ... full. If these institutions cannot meet their nominal commitments,they become insolvent and fail.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/pdf/financial-system-inquiry-1996.pdf
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
Notes on Bank Fees on Small Businesses – November 1999 | Bank Fees and Margins | Submissions
25 Nov 1999
Submissions
Notes on Bank Fees on Small Businesses – November 1999
https://www.rba.gov.au/publications/submissions/financial-sector/notes-on-bank-fees-on-small-businesses/
RBA Submission to the Inquiry into Competition in the Banking and Non-Banking Sectors
11 Jul 2008
Submissions
PDF
147KB
Inquiry into Competition in the Banking and Non-Banking Sectors
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-in-banking-and-non-banking-sector/pdf/inquiry-competition-in-banking-and-non-banking-sector.pdf
Developments and Innovation in the Payments System | Submission to the Financial System Inquiry – March 2014 | Financial Sector |…
1 Mar 2014
Submissions
interests of end users, while having regard to the stability of the UK financial system. ... In practice, the schemes have set a large number of different interchange fee rates for different types of transactions, with the weighted average interchange
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/developments-and-innovation.html
Trends in Lending | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial Sector |…
30 Nov 2010
Submissions
There has been a transformation of household balance sheets in response to the effects of financial deregulation and the lower interest rates as a result of the low inflation environment. ... In addition, the reduction in inflation and nominal interest
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/trends.html
Housing Finance | Submission to the inquiry into Competition in the Banking and Non-Banking Sectors – July 2008 | Financial Sector |…
10 Jul 2008
Submissions
Reflecting these developments, together with the significant reduction in nominal interest rates that was made possible by the decline in inflation in the early 1990s, household debt in Australia has grown ... Similarly, money-market interest rates have
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-in-banking-and-non-banking-sector/housing-finance.html
Sources and Management of Systemic Risk | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
borrowers) include in their approval process an assessment of whether it can be serviced at higher (assumed) interest rates. ... years. If interest rates rise substantially during the term of the fixed-rate loan, households would be exposed to a negative
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/sources-and-management-of-systemic-risk.html
Factors Behind the Recent Rise in House Prices | Submission to the Productivity Commission Inquiry on First Home Ownership – November 2003…
1 Nov 2003
Submissions
As noted above, mortgage interest rates in nominal terms have roughly halved since the mid 1980s. ... It is not possible to derive a mechanical link from the structural change in nominal interest rates to its expected impact on housing prices.
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-productivity-commission-on-first-home/factors-behind-recent-rise-in-house-prices.html
Background Notes for Opening Remarks to Senate Select Committee on Housing Affordability in Australia, Melbourne, 24 April 2008
24 Apr 2008
Submissions
PDF
149KB
Inquiry into Housing Affordability in Australia
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/housing-affordability-in-australia/pdf/housing-affordability-in-australia.pdf