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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Factors Behind the Recent Rise in House Prices | Submission to the Productivity Commission Inquiry on First Home Ownership – November 2003…
1 Nov 2003
Submissions
As such they reduce the need for borrowers to maintain precautionary savings in low-interest deposit accounts and can offer a tax-efficient form of saving. ... The loan is principally designed for borrowers who wish to consolidate an existing mortgage
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-productivity-commission-on-first-home/factors-behind-recent-rise-in-house-prices.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
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
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/
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
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/
Note on Bank Fees on Small Businesses
22 Sep 2003
Submissions
PDF
379KB
the average account-servicing fee for small business borrowers is higher than for households; and. •
https://www.rba.gov.au/publications/submissions/financial-sector/notes-on-bank-fees-on-small-businesses/pdf/notes-on-bank-fees-on-small-businesses.pdf
Introduction | Submission to the inquiry into Competition in the Banking and Non-Banking Sectors – July 2008 | Financial Sector |…
10 Jul 2008
Submissions
This has led to a tightening in the conditions under which higher-risk borrowers are able to obtain housing finance, although there has been little change in the availability of housing ... There has also been an increase in the cost of mortgage finance
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-in-banking-and-non-banking-sector/introduction.html
Trends in Bank Lending | Submission to the Inquiry into the Post-Global Financial Crisis Banking Sector – May 2012 | Financial Sector |…
1 May 2012
Submissions
The decline was partly in response to the introduction of national responsible lending guidelines that require lenders to verify a borrower's capacity to repay. ... More recently, there are some tentative signs that larger business borrowers are willing
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-post-gfc-banking-sector-2012/trends-bank-lending.html
Productivity Commission Inquiry on First Home Ownership
14 Nov 2003
Submissions
PDF
438KB
PRODUCTIVITY. COMMISSION INQUIRY. ON. FIRST HOME. OWNERSHIP. November 2003. Submission by. RESERVE BANK OF AUSTRALIA. ii. TABLE OF CONTENTS. Page. Executive Summary ……………………………… 1. 1. The Australian Housing Market: Prices,
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-productivity-commission-on-first-home/pdf/inquiry-productivity-commission-on-first-home.pdf