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
9 Mar 2023
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 to the Inquiry into Housing Affordability and Supply in Australia
20 Sep 2021
Submissions
PDF
1496KB
for borrowers. For those looking to purchase a property, the combination of low interest rates,. ... 0. 10. 20. 30. 40. %. Loan Commitments by Borrower TypeYear-ended growth.
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-housing-affordability-and-supply-in-australia/pdf/inquiry-into-housing-affordability-and-supply-in-australia.pdf
Submission on Data Sharing and Release Legislation
18 Oct 2018
Submissions
PDF
207KB
There are strict contractual provisions surrounding these data to ensure borrowers in the database cannot be identified. The Issues Paper suggests that existing contractual obligations will continue to apply
https://www.rba.gov.au/publications/submissions/other/data-sharing-and-release-legislation/pdf/data-sharing-and-release-legislation_2018-08.pdf
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/
Competition in the Australian Financial System - March 2018
21 Mar 2018
Submissions
PDF
503KB
Supplementary Submission to the Productivity Commission Inquiry
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system-2018-03/pdf/supplementary-submission-to-productivity-commission-march-2018.pdf
Submission to the Financial System Inquiry March 2014
10 Nov 2017
Submissions
PDF
3041KB
Financial System Inquiry
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/pdf/financial-system-inquiry-2014-03.pdf
Competition in the Financial System - September 2017
19 Sep 2017
Submissions
PDF
969KB
Submission to the Productivity Commission Inquiry
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/pdf/submission-to-productivity-commission-september-2017.pdf
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
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