Search: lender
RBA Glossary definition for lender
lender – A person or institution which provides loans on agreed terms to borrowers.
Search Results
Inquiry into Future Directions for the Consumer Data Right – April 2020 | Payments System | Submissions
8 May 2024
Submissions
vulnerable clients providing log-in details to payday lenders, only to have the payday lender use the log-in details later to identify when a consumer is getting low on cash
https://www.rba.gov.au/publications/submissions/payments-system/future-directions-for-the-consumer-data-right/index.html
Introduction | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector | Submissions
6 Sep 2017
Submissions
The major banks gained market share in the mortgage market in the aftermath of the crisis, in part reflecting their better access to funding (as non-bank lenders in particular lost ... Information problems – both in relation to lenders' knowledge of
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/introduction.html
Deposits, Mortgages and SME Lending | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector | Submissions
6 Sep 2017
Submissions
smaller lenders (which has improved their efficiency) have likely boosted competitive pressures over recent years. ... The major banks were among the lenders that were competing strongly in many of these segments.
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/deposits-mortgages-and-sme-lending.html
Recent Influences on the Competitive Environment | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector |…
6 Sep 2017
Submissions
It was used by a new class of mortgage lenders, known as mortgage originators, as well as smaller ADIs. ... They therefore developed a low-cost business model using securitisation funding and mobile lenders, which enabled them to undercut banks' mortgage
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/recent-influences-on-the-competitive-environment.html
Summary of Key Themes | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector | Submissions
6 Sep 2017
Submissions
Fintech. There is some scope for fintech lenders to add to competition in under-served markets, including by using new techniques for distribution and credit assessment.
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/summary-of-key-themes.html
Assessing Competition in the Financial System | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector |…
6 Sep 2017
Submissions
Initiatives that make information about the borrower more readily available to other potential lenders (such as those on comprehensive credit reporting and open data) therefore have the potential to increase competition. ... However, the average spreads
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/assessing-competition-in-the-financial-system.html
Drivers of Demand | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions
1 Jun 2015
Submissions
low. The Australian Prudential Regulation Authority (APRA) has recently provided guidance to lenders that the interest rate used in these serviceability tests should be at least 7 per cent (APRA 2014). ... Thus, households that already planned to borrow
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/drivers-of-demand.html
Drivers of Supply | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions
1 Jun 2015
Submissions
These include the cost of financing projects, which is primarily driven by the level of interest rates as well as lenders' views about the riskiness of individual projects.
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/drivers-of-supply.html
Home Ownership Rates | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions
1 Jun 2015
Submissions
The latest data from mortgage lenders suggest that around 15 per cent of new lending to owner-occupiers involves LVRs above 90 per cent; most of these borrowers would be first ... Graph 17. Footnote. Mortgages in Australia with an original LVR above 80
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/home-ownership-rates.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 included a benchmark for lenders' growth in investor housing lending of 10 per cent, above which supervisory action may be intensified. ... Lenders can have difficulty classifying loans by type of purchaser, so these figures will have a margin of
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/proportion-investment-housing-relative-owner-occ-housing.html