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RBA Glossary definition for borrower

borrower – A person or entity that incurs a debt to a lender on agreed terms.

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5.2 Focus Topic: An Update on Fixed-rate Borrowers

6 Oct 2023 FSR – October 2023
5.2 Focus Topic: An Update on Fixed-rate Borrowers | Financial Stability Review – October 2023
https://www.rba.gov.au/publications/fsr/2023/oct/focus-topic-an-update-on-fixed-rate-borrowers.html

Resilience of Australian Households and Businesses

6 Oct 2023 FSR – October 2023
Resilience of Australian Households and Businesses | Financial Stability Review – October 2023
https://www.rba.gov.au/publications/fsr/2023/oct/household-business-finances-in-australia.html

Household and Business Finances in Australia

7 Oct 2022 FSR – October 2022
In general, fixed-rate borrowers and investors face contractual restrictions or disincentives to make excess payments. ... However, recent borrowers are at greater risk of entering negative equity should housing prices decline significantly.
https://www.rba.gov.au/publications/fsr/2022/oct/household-business-finances-in-australia.html

Household and Business Finances in Australia

6 Apr 2023 FSR – April 2023
Household and Business Finances in Australia | Financial Stability Review – April 2023
https://www.rba.gov.au/publications/fsr/2023/apr/household-business-finances.html

At a Glance: Financial Stability Review – October 2021

8 Oct 2021 FSR
Policy measures have supported household and business balance sheets. A much smaller share of borrowers have taken up banks' offers of loan repayment deferrals than last year. ... In Australia, most borrowers' income had recovered to exceed pre-pandemic
https://www.rba.gov.au/publications/fsr/2021/oct/

At a Glance: Financial Stability Review – April 2022

8 Apr 2022 FSR
Overall, however, borrowers' strong financial positions have resulted in very low levels of non-performing loans. ... Some borrowers will find it harder to meet debt payments due to rising inflation and the expected increases in interest rates.
https://www.rba.gov.au/publications/fsr/2022/apr/

At a Glance: Financial Stability Review – October 2022

7 Oct 2022 FSR
There is a small group of borrowers who could fail to meet debt payments due to low savings and high levels of debt. ... However, a small share of borrowers with lower savings and high debt are vulnerable to payment difficulties.
https://www.rba.gov.au/publications/fsr/2022/oct/

Boxes

22 Mar 2024 FSR
A number of Boxes on topics of special interest are published in the Financial Stabiilty Review. These boxes can be read as stand-alone documents or within the relevant Financial Stability Review.
https://www.rba.gov.au/publications/fsr/boxes.html

Box B: The Impact of Lending Standards on Loan Sizes

20 Oct 2018 FSR – October 2018
In practice though, lenders incorporate a number of buffers and detail about the borrowers' circumstances into this calculation, so that a NIS of zero would not mean the borrower had no ... If this income falls, borrowers are then less likely to be
https://www.rba.gov.au/publications/fsr/2018/oct/box-b.html

Overview

8 Apr 2022 FSR – April 2022
Higher interest rates will increase borrowers' debt payments, while high inflation will reduce the funds households and some businesses have available to make those payments, particularly if incomes stagnate. ... With interest rates still at historically
https://www.rba.gov.au/publications/fsr/2022/apr/overview.html