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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Appendix C: Should Bank Supervision Be Carried Out by the Central Bank or by a Separate Authority? | Submission to the Financial System…
6 Sep 1996
Submissions
For countries establishing central banks in the twentieth century, the maintenance of financial stability has often been the prime consideration from the outset. ... This reluctance could have brought the liquidation of Drexel's mortgage-backed
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/appendix-c.html
Sources and Management of Systemic Risk | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
A feature that distinguishes the Australian mortgage market from those in many other countries is that mortgages in Australia are predominantly variable-rate mortgages with the rate set at the lenders' ... of the mortgage, yet still prepay their loan
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/sources-and-management-of-systemic-risk.html
Financial Stability | Supplementary Submission to the Financial System Inquiry – August 2014 | Financial Sector | Submissions
1 Aug 2014
Submissions
For example, following signs of increased risk appetite in the mortgage market, APRA recently surveyed mortgage underwriting standards, released guidance on managing mortgage risk, and asked the major banks to specify ... As noted in the Bank's initial
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-08/financial-stability.html
Appendix: Organisations Contacted | Submission to the Productivity Commission Inquiry on First Home Ownership – November 2003 | Housing and …
1 Nov 2003
Submissions
Canada. Bank of Canada. Canada Mortgage and Housing Corporation. Canada Customs and Revenue Agency. ... Council of Mortgage Lenders. HM Treasury. Inland Revenue. Office of the Deputy Prime Minister.
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-productivity-commission-on-first-home/appendix.html
Impact of Taxation | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions
1 Jun 2015
Submissions
The tax system also advantages owner-occupiers, particularly those with little or no debt: although they cannot deduct mortgage interest repayments from tax as in some other countries such as the ... With mortgage interest rates also having fallen over
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/impact-of-taxation.html
Appendix 3: Foreign Bank Participation in Australian Banking and Finance, December 1990 | Submission to the Inquiry into the Australian…
1 Jan 1991
Submissions
National Mortgage Bank of Greece. NCNB National Bank of North Carolina.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-australian-banking-industry/appendix-3.html
Regulation | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial Sector |…
30 Nov 2010
Submissions
While deposit growth was boosted by the flows of funds from the less regulated sector, including deposit-like products at mortgage trusts, the trend of outflows from the less regulated sector ... was evident from early in that year – a large mortgage
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/regulation.html
Assessing Competition in the Financial System | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector |…
6 Sep 2017
Submissions
They have also diversified into mortgage broking, stockbroking, wealth management and advisory services, in part to take advantage of shared distribution channels. ... For more information on regulatory measures on residential mortgages in Australia, see
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/assessing-competition-in-the-financial-system.html
Executive Summary | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
For example, the arrival of mortgage originators led to a marked decline in spreads on mortgages. ... A good deal of focus has been placed on competition in the mortgage market since the crisis.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/executive-summary.html
Developments since the Financial System Inquiry | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector |…
6 Sep 2017
Submissions
The Inquiry similarly recommended reducing the differences in risk weights on mortgage lending between banks using model-based weights (the large banks) and other ADIs. ... implementation by the Australian Prudential Regulation Authority (APRA) in 2016
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/developments-since-the-financial-system-inquiry.html