4
|
2016
|
October
|
Household and Business Finances | Financial Stability Review – October 2016 | RBA
|
In these circumstances, developers may have trouble finding buyers for their new apartments in some areas. While liaison with industry suggests that settlement failure rates remain low, developers are continuing to report delays in settlement for some purchasers. One reported contributor to settlement delays is tighter access to finance, particularly for buyers relying on foreign income. Liaison also indicates that valuations at settlement are sometimes coming in below what buyers had anticipated and, in some cases, below contracted purchase prices, reducing the amount banks will lend. For investors buying these new apartments, declines in apartment prices raise the likelihood that they fall into negative equity at settlement. The potential for rents to fall and vacancy rates to rise also raises the risk that investors may find it more difficult to subsequently service their mortgages.
|
1_frs
|
G1
|
1
|
1
|
al for rents to fall and vacancy rates to rise als
|
Yes
|
p_16
|
28
|
32
|
s1
|
11302939887
|
252969670
|
5
|
Masters or PhD in economics or a related discipline
|
1
|
Yes
|
1
|
In these circumstances, developers may have trouble finding buyers for their new apartments in some areas. While liaison with industry suggests that settlement failure rates remain low, developers are continuing to report delays in settlement for some purchasers. One reported contributor to settlement delays is tighter access to finance, particularly for buyers relying on foreign income. Liaison also indicates that valuations at settlement are sometimes coming in below what buyers had anticipated and, in some cases, below contracted purchase prices, reducing the amount banks will lend. For investors buying these new apartments, declines in apartment prices raise the likelihood that they fall into negative equity at settlement. The potential for rents to fall and vacancy rates to rise also raises the risk that investors may find it more difficult to subsequently service their mortgages.
|
3
|
3
|
Q4
|
Duplicate
|
3
|
P
|
P
|
NA
|
Economist
|
NP&P
|
0.25354628
|
-0.08352691
|
2.8
|
3.1
|
0.7888106
|
1.1972190
|
0.2
|
-0.1
|
4
|
2016
|
October
|
Household and Business Finances | Financial Stability Review – October 2016 | RBA
|
In these circumstances, developers may have trouble finding buyers for their new apartments in some areas. While liaison with industry suggests that settlement failure rates remain low, developers are continuing to report delays in settlement for some purchasers. One reported contributor to settlement delays is tighter access to finance, particularly for buyers relying on foreign income. Liaison also indicates that valuations at settlement are sometimes coming in below what buyers had anticipated and, in some cases, below contracted purchase prices, reducing the amount banks will lend. For investors buying these new apartments, declines in apartment prices raise the likelihood that they fall into negative equity at settlement. The potential for rents to fall and vacancy rates to rise also raises the risk that investors may find it more difficult to subsequently service their mortgages.
|
1_frs
|
G1
|
1
|
1
|
al for rents to fall and vacancy rates to rise als
|
Yes
|
p_16
|
29
|
35
|
s1
|
11295748232
|
252969670
|
2
|
None
|
0
|
No
|
1
|
In these circumstances, developers may have trouble finding buyers for their new apartments in some areas. While liaison with industry suggests that settlement failure rates remain low, developers are continuing to report delays in settlement for some purchasers. One reported contributor to settlement delays is tighter access to finance, particularly for buyers relying on foreign income. Liaison also indicates that valuations at settlement are sometimes coming in below what buyers had anticipated and, in some cases, below contracted purchase prices, reducing the amount banks will lend. For investors buying these new apartments, declines in apartment prices raise the likelihood that they fall into negative equity at settlement. The potential for rents to fall and vacancy rates to rise also raises the risk that investors may find it more difficult to subsequently service their mortgages.
|
4
|
4
|
Q3
|
Duplicate
|
3
|
NP
|
NP
|
NA
|
Non-economist
|
NP&P
|
1.03711608
|
1.03711608
|
3.3
|
3.3
|
0.6749486
|
0.6749486
|
0.7
|
0.7
|
4
|
2016
|
October
|
Household and Business Finances | Financial Stability Review – October 2016 | RBA
|
In these circumstances, developers may have trouble finding buyers for their new apartments in some areas. While liaison with industry suggests that settlement failure rates remain low, developers are continuing to report delays in settlement for some purchasers. One reported contributor to settlement delays is tighter access to finance, particularly for buyers relying on foreign income. Liaison also indicates that valuations at settlement are sometimes coming in below what buyers had anticipated and, in some cases, below contracted purchase prices, reducing the amount banks will lend. For investors buying these new apartments, declines in apartment prices raise the likelihood that they fall into negative equity at settlement. The potential for rents to fall and vacancy rates to rise also raises the risk that investors may find it more difficult to subsequently service their mortgages.
|
1_frs
|
G1
|
1
|
1
|
al for rents to fall and vacancy rates to rise als
|
Yes
|
p_16
|
37
|
46
|
s1
|
11295512712
|
252969670
|
2
|
High school economics course
|
0
|
No
|
1
|
In these circumstances, developers may have trouble finding buyers for their new apartments in some areas. While liaison with industry suggests that settlement failure rates remain low, developers are continuing to report delays in settlement for some purchasers. One reported contributor to settlement delays is tighter access to finance, particularly for buyers relying on foreign income. Liaison also indicates that valuations at settlement are sometimes coming in below what buyers had anticipated and, in some cases, below contracted purchase prices, reducing the amount banks will lend. For investors buying these new apartments, declines in apartment prices raise the likelihood that they fall into negative equity at settlement. The potential for rents to fall and vacancy rates to rise also raises the risk that investors may find it more difficult to subsequently service their mortgages.
|
2
|
3
|
Q2
|
Duplicate
|
3
|
NP
|
NP
|
NA
|
Non-economist
|
NP&P
|
-0.08352691
|
-1.18175790
|
3.1
|
3.5
|
1.1972190
|
1.2692955
|
-0.1
|
-1.5
|
19
|
2019
|
2019_Commonwealth_Orange
|
Grattan
|
The NSRB’s first review proposed a new and better parental ‘capacity-to-contribute’ model for non-government schools, based on family income rather than where parents live. But in accepting the NSRB model, the Coalition also introduced a $1.2 billion ‘Choice and Affordability Fund’. This was a backward step, subsidising low-fee private schools even when parents can afford to pay their way.
|
11_grattan
|
G8
|
1
|
1
|
billion ‘Choice and Affordability Fund’. This was
|
Yes
|
p_15
|
27
|
31
|
s1
|
11302945320
|
252969670
|
4
|
Masters or PhD in economics or a related discipline
|
1
|
Yes
|
1
|
The National Schools Resourcing Board (NSRB)‘s first review proposed a new and better parental ’capacity-to-contribute’ model for non-government schools, based on family income rather than where parents live. But in accepting the NSRB model, the Coalition also introduced a $1.2 billion ‘Choice and Affordability Fund’. This was a backward step, subsidising low-fee private schools even when parents can afford to pay their way.
|
2
|
2
|
Q3
|
unique
|
1
|
P
|
P
|
NA
|
Economist
|
P
|
-1.65615734
|
-0.97618706
|
3.6
|
3.2
|
0.9660918
|
1.2292726
|
-1.6
|
-1.2
|
34
|
2017
|
9
|
2017 September The Growing Demand for Cash
|
The velocity of cash is not constant. It evolves with changes in technology, changes to the operation of the banknote distribution system, the stage of the business cycle, and consumer and business preferences. The rising stock of banknotes in circulation alongside declining cash payments suggests that the velocity of cash has fallen over the past 10 years. That is, each banknote in circulation is being used in fewer transactions now than in the past. Several factors have contributed to this, related to both the stock of banknotes held for transactional purposes and the stock held for store-of-value purposes.
|
2_bulletin
|
G2
|
1
|
1
|
ctors have contributed to this, related to both th
|
Yes
|
p_18
|
38
|
47
|
s1
|
11295478439
|
252969670
|
4
|
Bachelor’s degree in economics or a related discipline
|
1
|
No
|
1
|
The velocity of cash is not constant. It evolves with changes in technology, changes to the operation of the banknote distribution system, the stage of the business cycle, and consumer and business preferences. The rising stock of banknotes in circulation alongside declining cash payments suggests that the velocity of cash has fallen over the past 10 years. That is, each banknote in circulation is being used in fewer transactions now than in the past. Several factors have contributed to this, related to both the stock of banknotes held for transactional purposes and the stock held for store-of-value purposes.
|
4
|
3
|
Q3
|
unique
|
1
|
NP
|
NP
|
NA
|
Non-economist
|
NP
|
-0.44447832
|
0.17616607
|
3.3
|
3.8
|
0.6749486
|
1.1352924
|
-0.3
|
0.2
|
50
|
2018
|
Guy Debelle[*]Deputy Governor
|
Remarks at FINSIA Signature Event: The Regulators Melbourne – 15 November 2018
|
One lesson from any number of crises past is that it is almost inevitable the next crises will originate somewhere different. The inevitability of this in part arises because of the reforms introduced to address the sources of the previous crisis. So where might one possible location of the next crisis lie?
|
3_rba_speeches
|
G3
|
1
|
1
|
t arises because of the reforms introduced to addr
|
Yes
|
p_17
|
35
|
43
|
s1
|
11295529047
|
252969670
|
5
|
Masters or PhD in economics or a related discipline
|
1
|
Yes
|
1
|
One lesson from any number of crises past is that it is almost inevitable the next crises will originate somewhere different. The inevitability of this in part arises because of the reforms introduced to address the sources of the previous crisis. So where might one possible location of the next crisis lie?
|
3
|
5
|
Q3
|
unique
|
1
|
P
|
P
|
NA
|
Economist
|
P
|
0.90504206
|
-1.52127766
|
4.1
|
4.2
|
0.9944289
|
0.7888106
|
0.9
|
-1.2
|