Search: Sub-prime mortgage
RBA Glossary definition for Sub-prime mortgage
Sub-prime mortgage – While there is no precise definition of sub-prime mortgages, in the United States, they are typically loans made to borrowers with impaired credit histories, which might include one or more payment defaults, a previous loan foreclosure, or bankruptcy.
Search Results
The Limits of Interest-only Lending
9 May 2018
Speech
PDF
326KB
While interest-only loans have a role to play in Australian mortgage finance, their valuehas limits. ... 8]. For example, Shapiro J and Greber J (2017), The Australian Financial Review, ‘Interest-only loans could be'Australia's sub-prime’, available
https://www.rba.gov.au/speeches/2018/pdf/sp-ag-2018-04-24.pdf
The Evolving Financial Situation
18 Mar 2010
Speech
PDF
167KB
Asset-backed markets were where concerns first arose, particularly securities backed by US sub-prime housing loans. ... They did not have material holdings of, or exposure to, the securities backed by US mortgages.
https://www.rba.gov.au/speeches/2010/pdf/sp-ag-160210.pdf
18/11/2019 Mortgage Arrears | Speeches https://www.rba.gov.au/speeches/2019/sp-dg-2019-11-15.html 1/6 ...
18 Nov 2019
PDF
236KB
These conditions have seen the mortgage arrears rate rise from0.7 per cent to 1.8 per cent. ... Liaison with banks suggests that more lenient. 18/11/2019 Mortgage Arrears | Speeches | RBA.
https://www.rba.gov.au/speeches/2019/pdf/sp-dg-2019-11-15.pdf
Financial Stability and the Financial Health of Australian Mortgagors
8 Dec 2023
Speech
PDF
776KB
Speech - 2023
https://www.rba.gov.au/speeches/2023/pdf/sp-so-2023-12-08.pdf
21/02/2018 Household Indebtedness and Mortgage Stress | Speeches | ...
21 Feb 2018
PDF
379KB
At the same time, household mortgage debt has been risingwhile incomes have been growing relatively slowly. ... For example, did they have difficulty paying a mortgage or bills on time?
https://www.rba.gov.au/speeches/2018/pdf/sp-ag-2018-02-20.pdf
Mortgage Insights From Securitisation Data
21 Nov 2017
Speech
PDF
172KB
Speech. Mortgage Insights From Securitisation Data. Marion Kohler Head of Domestic Markets Department. ... Mortgage Interest RatesVariation in interest rates across loans is an important way for lenders to account for the differentrisks of mortgages.
https://www.rba.gov.au/speeches/2017/pdf/sp-so-dm-2017-11-20.pdf
Prudent Mortgage Lending Standards Help Ensure Financial Stability
22 Feb 2012
Speech
PDF
90KB
3. mortgage. As unemployment rises, though, many more people face a loss of income, and more of them are likely to have mortgages. ... 75. 0. 25. 50. 75. Excess Mortgage Repayments. Per cent of owner-occupier households with mortgages Per cent to
https://www.rba.gov.au/speeches/2012/pdf/sp-so-230212.pdf
Some Innovative Mortgage Data
13 Aug 2017
Speech
PDF
403KB
The dataset covers informationon 1.6 million individual mortgages with a total value of around $400 billion. ... Graph 4. [8]. [9]. [10]. 8/14/2017 Some Innovative Mortgage Data | Speeches | RBA.
https://www.rba.gov.au/speeches/2017/pdf/sp-ag-2017-08-14.pdf
Securitisation: Past, Present and Future
30 Nov 2022
Speech
PDF
884KB
Speech - 2022
https://www.rba.gov.au/speeches/2022/pdf/sp-so-2022-11-30.pdf
Bagehot and the Lender of Last Resort – 150 Years On
18 Dec 2023
Speech
PDF
318KB
Speech - 2023
https://www.rba.gov.au/speeches/2023/pdf/sp-ag-2023-12-14.pdf