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.
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Lending Rates | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial Sector |…
30 Nov 2010
Submissions
As mentioned in Section 2, the competitive pressures in the Australian mortgage market over the past two decades or so have seen interest spreads on mortgages decline. ... in the United States and some European countries long-term fixed-rate mortgages
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/lending.html
Appendix A: – The Canadian Securitisation Market | Submission to the Inquiry into Competition in the Banking and Non-Banking Sectors – July …
10 Jul 2008
Submissions
In normal conditions, they are usually able to fund all of the mortgages that are offered to them. ... not had a significant impact on mortgage rates during the recent capital market turbulence.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-in-banking-and-non-banking-sector/appendix-a.html
List of graphs | Submission to the Financial System Inquiry March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
Graph 6.6: Interest Margins on Variable-rate Mortgages.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/graphs.html
Home Ownership Rates | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions
1 Jun 2015
Submissions
important for the transition to home ownership than the ability to service a mortgage from current income thereafter (Bourassa 1995). ... Graph 17. Footnote. Mortgages in Australia with an original LVR above 80 per cent typically require lenders mortgage
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/home-ownership-rates.html
Introduction | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions
1 Jun 2015
Submissions
Within the owner-occupier group, a larger proportion now has a mortgage.
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/introduction.html
References | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions
1 Jun 2015
Submissions
APRA (Australian Prudential Regulation Authority) (2014), ‘APRA Outlines Further Steps to Reinforce Sound Residential Mortgage Lending Practices’, Media Release No 14.30, 9 December. ... Ellis L (2013), ‘Housing and Mortgage Markets: The Long Run,
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/references.html
Fee Income | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial Sector |…
30 Nov 2010
Submissions
29). One of the forces influencing the structure of bank fees was the increased competition from mortgage originators in the mid 1990s. ... One specific outcome of this was that banks introduced periodic mortgage and account-servicing fees.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/fee-income.html
The Next Ten Years | Supplementary Submission to the Financial System Inquiry – 13 January 1997 | Financial Sector | Submissions
13 Jan 1997
Submissions
At the other extreme, mortgage origination could go the same way as cash management trusts. ... owned. They package and securitise mortgage loans, and enjoy a range of advantages.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-supplement-1997/next-ten-years.html
Introduction | Supplementary Submission to the Financial System Inquiry – August 2014 | Financial Sector | Submissions
1 Aug 2014
Submissions
The supply of mortgage finance in Australia is ample. Therefore, any proposed policies that could further increase that supply should be subject to rigorous analysis of their costs, benefits to consumers
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-08/introduction.html
The Reserve Bank's Response | Report to the Inquiry into Competition in the Banking and Non-Banking Sectors – May 2009 | Financial Sector | …
7 May 2009
Submissions
In the case of RMBS and ABCP, the Bank has also relaxed the restriction on related-party collateral, such that institutions can use RMBS containing their own mortgages, although the Bank ... has specified criteria for acceptable mortgages.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-report-2009-05/reserve-bank-response.html