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RBA Glossary definition for borrower

borrower – A person or entity that incurs a debt to a lender on agreed terms.

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Key Financial Developments Since the Wallis Inquiry | Submission to the Financial System Inquiry – March 2014 | Financial Sector |…

1 Mar 2014 Submissions
borrowers. One reasonable approximation of these constraints is that the debt repayment must be no more than a certain percentage of the borrower's income. ... As nominal interest rates fall, borrowers can service a larger loan with the same repayment.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/financial-developments-since-wallis-inquiry.html

Sources and Management of Systemic Risk | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions

1 Mar 2014 Submissions
Lending that does not involve proper assessment of borrowers' capacity to repay the debt assumes that the borrower will be able to refinance or sell the property in the future to ... Changes in market conditions can cause borrowers to breach covenants,
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/sources-and-management-of-systemic-risk.html

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

Sectoral Trends in Funding Patterns in the Australian Economy | Submission to the Financial System Inquiry – March 2014 | Financial Sector…

1 Mar 2014 Submissions
Financial corporations intermediate the flow of funds between net lenders and net borrowers. ... This is because smaller businesses are generally riskier borrowers than most other customer types.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/sectoral-trends-in-funding-patterns.html

The Regulatory Response to the Global Financial Crisis | Submission to the Financial System Inquiry – March 2014 | Financial Sector |…

1 Mar 2014 Submissions
While the presence of shadow banks has some benefits, including providing broader access to funding for borrowers, shadow banks can also amplify the credit cycle and promote financial instability, as was
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/regulatory-response-to-the-global-financial-crisis.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

Submission to the Inquiry into Affordable Housing–February 2014 | Housing and Housing Finance | Submissions

1 Feb 2014 Submissions
Because, in the Australian environment, the most constrained borrower is usually a first home buyer and the less constrained borrowers are investors or trade-up buyers with considerable equity, this might ... Borrowers can service larger loans with the
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-affordable-housing/

Submission to the Inquiry into the Reserve Bank Amendment (Australian Reconstruction and Development Board) Bill 2013 – February 2014 |…

1 Feb 2014 Submissions
Graph 3. Banks offer a range of products to rural borrowers, including overdraft and redraw facilities, and loans with repayment schedules that can be matched to farmers' expected cash flow cycles. ... Rural loan arrangements generally include risk
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-rba-amendment-australian-reconstruction-development-board-bill-2013/

Submission to the Financial System Inquiry - 6 September 1996 (Published as Occasional Paper No. 14)

25 Jul 2013 Submissions PDF 604KB
It should also cater to a wide rangeof borrowers, from the well established to those with high-risk new ventures. ... This form of regulation - consumer and investorprotection - attempts to improve the safety of investors' funds and requires
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/pdf/financial-system-inquiry-1996.pdf

Submission to the Inquiry into the Post-Global Financial Crisis Banking Sector (May 2012)

1 Jun 2012 Submissions PDF 1243KB
Senate Economics References Committee
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-post-gfc-banking-sector-2012/pdf/inquiry-post-gfc-banking-sector-2012.pdf