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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Summary of Key Themes | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector | Submissions
6 Sep 2017
Submissions
Greater access to the credit and payment histories of borrowers might be beneficial to this.
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/summary-of-key-themes.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
Competition in Banking | Submission to the Inquiry into the Australian Banking Industry – January 1991 | Financial Sector | Submissions
1 Jan 1991
Submissions
Nor do the lower average margins in the second half of the 1980s mean that all depositors and borrowers have benefited equally. ... a reduction in the previous incentive to lend only to the lowest-risk borrowers after interest rate ceilings were removed;.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-australian-banking-industry/competition-in-banking.html
List of graphs | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial Sector |…
30 Nov 2010
Submissions
Graph 7: Business Credit by Type of Borrower.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/graphs.html
Appendix C: Should Bank Supervision Be Carried Out by the Central Bank or by a Separate Authority? | Submission to the Financial System…
6 Sep 1996
Submissions
Third, if such loans are to be made, the central bank needs to have regulatory oversight of potential borrowers to reduce moral hazard problems and to ensure that borrowers are financially ... necessary liquidity through the discount window, although the
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/appendix-c.html
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
Appendix A: Trends in the Australian Financial System | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector |…
6 Sep 1996
Submissions
With interest rate controls in place, bank loans were rationed and available only to the most creditworthy of borrowers. ... There has been considerable debate as to whether these and other expected benefits of financial deregulation have been realised,
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/appendix-a.html
Proportion of Investment Housing Relative to Owner-Occupied Housing | Submission to the Inquiry into Home Ownership June 2015 | Housing and …
1 Jun 2015
Submissions
This means the marginal borrower has less scope to increase their loan size as interest rates fall. ... In the Australian environment, the most constrained borrower is usually a first home buyer and the less constrained borrowers are investors or
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/proportion-investment-housing-relative-owner-occ-housing.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/
Fee Income | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial Sector |…
30 Nov 2010
Submissions
For the major banks, these fees are equivalent to about 10–15 basis points per year on a loan, although early termination fees are not payable if the borrower stays with
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/fee-income.html