Search: borrower
RBA Glossary definition for borrower
borrower – A person or entity that incurs a debt to a lender on agreed terms.
Search Results
Domestic Financial Conditions
4 Nov 2022
SMP
– November 2022
These data do not capture borrowers negotiating a lower rate with their current lender, which has also increased. ... Most borrowers pay a lot less than the reference rate, as lenders offer discounts.
https://www.rba.gov.au/publications/smp/2022/nov/domestic-financial-conditions.html
Overview
4 Feb 2022
SMP
– February 2022
With interest rates at historically low levels, it is important that lending standards are maintained and that borrowers have adequate buffers.
https://www.rba.gov.au/publications/smp/2022/feb/overview.html
Domestic Financial Conditions
5 Nov 2021
SMP
– November 2021
While this action will increase the resilience of borrowers, the effect on overall credit growth is expected to be modest. ... Of these deferred loans, more than 90 per cent of borrowers were located in New South Wales or Victoria.
https://www.rba.gov.au/publications/smp/2021/nov/domestic-financial-conditions.html
Domestic Economic Conditions
4 Aug 2023
SMP
– August 2023
Domestic Economic Conditions | Statement on Monetary Policy – August 2023
https://www.rba.gov.au/publications/smp/2023/aug/domestic-economic-conditions.html
Domestic Financial Conditions
5 Aug 2022
SMP
– August 2022
In part, this reflects lags in reported effects due to timing differences in borrowers' repayments. ... Graph 3.33. Endnotes. While SVRs serve as reference rates for variable-rate loans, most borrowers receive a discount to the reference rate.
https://www.rba.gov.au/publications/smp/2022/aug/domestic-financial-conditions.html
Domestic Financial Conditions
6 May 2022
SMP
– May 2022
proportion of borrowers taking out new fixed-rate mortgages has declined substantially since the end of last year (Graph 3.18). ... This reflects the pass-through of the low cost of overall bank funding and borrowers refinancing to lower interest rates.
https://www.rba.gov.au/publications/smp/2022/may/domestic-financial-conditions.html
Statement on Monetary Policy
20 Nov 2023
SMP
- November 2023
PDF
9530KB
https://www.rba.gov.au/publications/smp/2023/nov/pdf/statement-on-monetary-policy-2023-11.pdf
Box C: Recent Developments in Margin Lending
6 Aug 2004
SMP
PDF
61KB
Much of the recent pick-up in marginlending is likely to have reflected increasesin existing borrowers’ debt levels, with thenumber of margin loan accounts rising moremodestly over the period. ... Many margin loanproviders now also offer geared savings
https://www.rba.gov.au/publications/smp/2004/aug/pdf/box-c.pdf
Domestic Financial Conditions
4 Aug 2022
SMP
- August 2022
PDF
2242KB
https://www.rba.gov.au/publications/smp/2022/aug/pdf/03-domestic-financial-conditions.pdf
Box B: An International Comparison of Pass-through of Policy Rate Changes to Housing Loan Rates
10 Feb 2009
SMP
– February 2009
In contrast, in the United States, about three-quarters of outstanding housing loans are at long-term fixed rates (typically 30 years), with borrowers generally having the option to refinance their
https://www.rba.gov.au/publications/smp/2009/feb/box-b.html