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 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/
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
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
Notes on Bank Fees in Australia 17 May 2000
25 Feb 2001
Submissions
PDF
34KB
revenue from fees on business loans has increased in line with underlying volumesfor large borrowers, but significantly less quickly for small borrowers – ie forsmall business borrowers, fees per loan outstanding are ... This isparticularly the case
https://www.rba.gov.au/publications/submissions/financial-sector/notes-on-bank-fees-in-australia/pdf/notes-on-bank-fees-in-australia.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
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
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
Objectives and Types of Financial Regulation | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector |…
6 Sep 1996
Submissions
It should also cater to a wide range of borrowers, from the well established to those with high-risk new ventures. ... investors and borrowers are better able to make informed decisions; and.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/objectives-and-types-of-financial-regulation.html
Trends in Lending | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial Sector |…
30 Nov 2010
Submissions
Low-doc loans are targeted at self-employed borrowers, or those with irregular incomes, who lack the documentation required for a standard loan. ... 1). As noted above, there has been a tightening in lending conditions for business borrowers, both large
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/trends.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