Search: Real interest rate
RBA Glossary definition for Real interest rate
Real interest rate – The real interest rate refers to the cost of borrowing money (i.e. the nominal interest rate) net of inflation. It takes account of the fact that part of the nominal interest that borrowers pay to lenders represents compensation for anticipated inflation. The remaining �real� component better reflects the economic cost of borrowing and the return to lending.
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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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 Inquiry into Affordable Housing - February 2014
17 Mar 2014
Submissions
PDF
1303KB
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-affordable-housing/pdf/inquiry-affordable-housing.pdf
Banking Industry.indd
7 Jun 2004
Submissions
PDF
522KB
26. It is sometimes argued that the process of deregulation caused real interest rates to rise over the last decade. ... It is true that real interest rates have been signifi cantly higher in the 1980s than in the 1970s, but this has been true for all
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-australian-banking-industry/pdf/inquiry-australian-banking-industry.pdf
Submission to the Inquiry into Affordable Housing–February 2014 | Housing and Housing Finance | Submissions
1 Feb 2014
Submissions
Typically the interest rate used to calculate allowable loan sizes does not fall as much as actual interest rates, or only up to a point. ... Borrowers can service larger loans with the same repayment when average interest rates decline (Graph 16).
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-affordable-housing/
Submission to the Inquiry into Digital Currency
1 Dec 2014
Submissions
PDF
652KB
https://www.rba.gov.au/publications/submissions/payments-system/pdf/inquiry-digital-currency-2014-11.pdf
Deposits, Mortgages and SME Lending | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector | Submissions
6 Sep 2017
Submissions
Banks also attracted deposits by increasing interest rates (Graph 21). The average interest rate paid on deposits relative to the cash rate rose by around 2 percentage points from their level ... This substitutability ensures that the interest rates on
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/deposits-mortgages-and-sme-lending.html
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
Assessing Competition in the Financial System | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector |…
6 Sep 2017
Submissions
Isolating competition effects in lending and pricing. Lending volumes and interest rates contain information about risk and liquidity, as well as competition. ... Interest margins on variable-rate housing loans are often not directly comparable, in part
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/assessing-competition-in-the-financial-system.html
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
Productivity Commission Inquiry on First Home Ownership
14 Nov 2003
Submissions
PDF
438KB
past decade or so is that interest rates on mortgages have approximately halved. ... much stronger position to compete than first-time buyers. 2. 5. Mortgage interest rates have been relatively stable at a low rate now for the past.
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-productivity-commission-on-first-home/pdf/inquiry-productivity-commission-on-first-home.pdf