Search: borrower
RBA Glossary definition for borrower
borrower – A person or entity that incurs a debt to a lender on agreed terms.
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Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates-Credit cards as sources of credit
8 May 2024
Submissions
to assume that banks’ risk models expect lower loss rates for some account holders and higher rates for others, for example borrowers who have tended to be revolvers. ... build up significant balances, while in the case of other individuals, banks may
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/credit-cards-source-of-credit.html
Submission on Data Sharing and Release Legislation – August 2018 | Data Sharing | Submissions
1 Aug 2018
Submissions
There are strict contractual provisions surrounding these data to ensure borrowers in the database cannot be identified.
https://www.rba.gov.au/publications/submissions/other/data-sharing-and-release-legislation/
Introduction | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector | Submissions
6 Sep 2017
Submissions
Information problems – both in relation to lenders' knowledge of the riskiness of potential borrowers and customers' awareness of alternative products – inhibit competition.
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/introduction.html
Deposits, Mortgages and SME Lending | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector | Submissions
6 Sep 2017
Submissions
Some of these lenders, such as non-ADIs, specialise in lending to higher-risk borrowers (Aylmer 2016). ... Among other factors, this is likely to be due to differences in borrower or product risks.
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/deposits-mortgages-and-sme-lending.html
Assessing Competition in the Financial System | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector |…
6 Sep 2017
Submissions
Information problems. One of the main roles played by financial intermediaries is to efficiently gather information about the credit risk of potential borrowers. ... The borrower may therefore find it difficult to switch to another institution that has
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/assessing-competition-in-the-financial-system.html
Summary of Key Themes | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector | Submissions
6 Sep 2017
Submissions
Greater access to the credit and payment histories of borrowers might be beneficial to this.
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/summary-of-key-themes.html
Handout and Supplementary Information Prepared for Standing Committee on Economics – September 2016 | Bank Fees and Margins | Submissions
22 Sep 2016
Submissions
Handout and Supplementary Information Prepared for Standing Committee on Economics – September 2016
https://www.rba.gov.au/publications/submissions/financial-sector/handout-standing-committee-on-economics-2016-09-22/
Home Ownership Rates | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions
1 Jun 2015
Submissions
probably had the effect of advantaging higher-income earners (lower-risk borrowers), who are often older. ... Graph 17. Footnote. Mortgages in Australia with an original LVR above 80 per cent typically require lenders mortgage insurance (LMI), which is
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/home-ownership-rates.html
Proportion of Investment Housing Relative to Owner-Occupied Housing | Submission to the Inquiry into Home Ownership June 2015 | Housing and …
1 Jun 2015
Submissions
This means the marginal borrower has less scope to increase their loan size as interest rates fall. ... In the Australian environment, the most constrained borrower is usually a first home buyer and the less constrained borrowers are investors or
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/proportion-investment-housing-relative-owner-occ-housing.html
List of tables | Submission to the Financial System Inquiry March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
Table 4.3: Australian-owned Banks' Foreign Claims. Consolidated global operations, immediate borrower basis, end September 2013.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/tables.html