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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Banking Industry.indd
7 Jun 2004
Submissions
PDF
522KB
There was widespread acceptance in the community that bank credit was diffi cult to come by, for all but the safest borrowers. ... ii) banks’ interest margins have declined - i.e. the full extent of the increase in deposit rates has not been passed on
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-australian-banking-industry/pdf/inquiry-australian-banking-industry.pdf
Background Notes for Opening Remarks to Senate Select Committee on Housing Affordability in Australia, Melbourne, 24 April 2008
24 Apr 2008
Submissions
PDF
149KB
Inquiry into Housing Affordability in Australia
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/housing-affordability-in-australia/pdf/housing-affordability-in-australia.pdf
Evolution of the Banking System | Submission to the Inquiry into the Australian Banking Industry – January 1991 | Financial Sector |…
1 Jan 1991
Submissions
There was widespread acceptance in the community that bank credit was difficult to come by, for all but the safest borrowers. ... If, however, all loans have to be made at the same interest rate, logic dictates that the bank allocate its funds to the
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-australian-banking-industry/evolution-of-the-banking-system.html
HANDOUT PREPARED FOR STANDING COMMITTEE ON ECONOMICS 22 SEPTEMBER 2016
21 Sep 2016
Submissions
PDF
386KB
Changes in discounts only affect new borrowers (and not the existing stock of mortgages).
https://www.rba.gov.au/publications/submissions/financial-sector/handout-standing-committee-on-economics-2016-09-22/pdf/handout-standing-committee-on-economics-2016-09-22.pdf
Competition, Efficiency and Innovation in Banking | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
Low-doc loans, which enable self-employed borrowers, or those with irregular incomes, to access housing finance;. ... Search costs for potential borrowers fell due to gains in technology, aiding price competition.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/competition-efficiency-and-innovation.html
Submission to the Inquiry into Access of Small Business to Finance – March 2010 | Financial Sector | Submissions
24 Mar 2010
Submissions
Small business borrowers have faced lower loan-to-valuation ratios, stricter collateral requirements and higher interest coverage ratios. ... in the riskiness of the borrower.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-access-of-small-business-to-finance-2010/
Housing Finance | Submission to the inquiry into Competition in the Banking and Non-Banking Sectors – July 2008 | Financial Sector |…
10 Jul 2008
Submissions
high LVR loans, which allow borrowers that do not have a deposit to cover the transaction costs associated with buying a home. ... While such products are offered by some lenders, Australian borrowers have chosen not to make much use of them.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-in-banking-and-non-banking-sector/housing-finance.html
Submission to the Inquiry into the Reserve Bank Amendment (Australian Reconstruction and Development Board) Bill 2013
13 Feb 2014
Submissions
PDF
188KB
Senate Economics Legislation Committee
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-rba-amendment-australian-reconstruction-development-board-bill-2013/pdf/inquiry-rba-amendment-australian-reconstruction-development-board-bill-2013.pdf
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
Submission to the Inquiry into Access for Small and Medium Business to Finance - February 2011 | Financial Sector | Submissions
7 Feb 2011
Submissions
Small business borrowers have faced lower loan-to-valuation ratios, stricter collateral requirements and higher interest coverage ratios. ... costs. The average outstanding rate on small business loans declined, however, as there was a gradual fall in
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-access-for-small-and-medium-business-to-finance-2011/