Search: borrower
RBA Glossary definition for borrower
borrower – A person or entity that incurs a debt to a lender on agreed terms.
Search Results
Box D: Non-bank Lending for Property
12 Apr 2019
FSR
– April 2019
Non-bank lenders perform similar functions to banks and lend to a wide range of borrowers. ... Banks have instead tightened lending standards since 2015, although there continues to be strong competition for the highest quality borrowers.
https://www.rba.gov.au/publications/fsr/2019/apr/box-d.html
Box C: Risks in High-density Apartment Markets
12 Apr 2019
FSR
– April 2019
Most borrowers do not borrow the maximum loan amount available, and so most borrowers would not be constrained by a change in lending criteria.
https://www.rba.gov.au/publications/fsr/2019/apr/box-c.html
The Global Financial Environment
8 Apr 2021
FSR
– April 2021
Graph 1.1. Spreads between yields on corporate bonds and sovereign bonds have narrowed to pre-pandemic levels, including for very low rated borrowers (Graph 1.2). ... Corporate indebtedness increased over 2020 in advanced economies, including among the
https://www.rba.gov.au/publications/fsr/2021/apr/global-financial-environment.html
The Australian Financial System
8 Apr 2021
FSR
– April 2021
Lower rates are generally associated with a small reduction in banks' NIMs, but this effect is offset by a reduction in borrowers' debt-servicing burdens (lowering bad and doubtful debts) and ... borrowers struggling with repayments to sell without
https://www.rba.gov.au/publications/fsr/2021/apr/australian-financial-system.html
Box C: Non-conforming Housing Loans
10 Mar 2005
FSR
– March 2005
funding – largely by securitising pools of mortgages – to provide end borrowers with competitive interest rates. ... if borrowers exit their loans within a certain period (usually four to six years from loan origination).
https://www.rba.gov.au/publications/fsr/2005/mar/box-c.html
Box B: Arrears and Repossessions
10 Sep 2007
FSR
– September 2007
Another alternative is for the borrower to access some of their superannuation in order to get loan repayments back on schedule. ... A judgement in the lender's favour does not, however, entitle the lender to evict the borrower.
https://www.rba.gov.au/publications/fsr/2007/sep/box-b.html
Household and Business Finances in Australia
8 Oct 2021
FSR
– October 2021
Liaison with banks indicates that more than half of borrowers currently on deferral also had a loan deferral last year. ... A high share of borrowers with loan repayment deferrals are continuing to make partial payments compared to last year.
https://www.rba.gov.au/publications/fsr/2021/oct/household-business-finances-in-australia.html
Household and Business Finances in Australia
8 Apr 2021
FSR
– April 2021
However, some increase in household and business financial stress is likely as temporary support measures progressively end and borrowers deplete financial buffers. ... banks, as most borrowers hold positive equity in their homes, and SME loans account
https://www.rba.gov.au/publications/fsr/2021/apr/household-business-finances.html
The Global Financial Environment
8 Apr 2022
FSR
– April 2022
High-DTI and high-LTI lending has increased in Australia, Canada, New Zealand, Sweden and in some euro area countries; debt serviceability will be more difficult for those borrowers if household ... extensive checks on borrowers' income and expenses,
https://www.rba.gov.au/publications/fsr/2022/apr/global-financial-environment.html
5.4 Focus Topic: Interest Rate Risk
6 Oct 2023
FSR
– October 2023
5.4 Focus Topic: Interest Rate Risk | Financial Stability Review – October 2023
https://www.rba.gov.au/publications/fsr/2023/oct/focus-topic-interest-rate-risk.html