{ "schemaVersion": "1.0", "item": { "slug": "rba-rate-intelligence", "name": "Rba Rate Intelligence", "source": "tencent", "type": "skill", "category": "通讯协作", "sourceUrl": "https://clawhub.ai/tianshizhimao-sudo/rba-rate-intelligence", "canonicalUrl": "https://clawhub.ai/tianshizhimao-sudo/rba-rate-intelligence", "targetPlatform": "OpenClaw" }, "install": { "downloadMode": "redirect", "downloadUrl": "/downloads/rba-rate-intelligence", "sourceDownloadUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=rba-rate-intelligence", "sourcePlatform": "tencent", "targetPlatform": "OpenClaw", "installMethod": "Manual import", "extraction": "Extract archive", "prerequisites": [ "OpenClaw" ], "packageFormat": "ZIP package", "includedAssets": [ "SKILL.md" ], "primaryDoc": "SKILL.md", "quickSetup": [ "Download the package from Yavira.", "Extract the archive and review SKILL.md first.", "Import or place the package into your OpenClaw setup." ], "agentAssist": { "summary": "Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.", "steps": [ "Download the package from Yavira.", "Extract it into a folder your agent can access.", "Paste one of the prompts below and point your agent at the extracted folder." ], "prompts": [ { "label": "New install", "body": "I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Tell me what you changed and call out any manual steps you could not complete." }, { "label": "Upgrade existing", "body": "I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Summarize what changed and any follow-up checks I should run." } ] }, "sourceHealth": { "source": "tencent", "status": "healthy", "reason": "direct_download_ok", "recommendedAction": "download", "checkedAt": "2026-04-30T16:55:25.780Z", "expiresAt": "2026-05-07T16:55:25.780Z", "httpStatus": 200, "finalUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=network", "contentType": "application/zip", "probeMethod": "head", "details": { "probeUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=network", "contentDisposition": "attachment; filename=\"network-1.0.0.zip\"", "redirectLocation": null, "bodySnippet": null }, "scope": "source", "summary": "Source download looks usable.", "detail": "Yavira can redirect you to the upstream package for this source.", "primaryActionLabel": "Download for OpenClaw", "primaryActionHref": "/downloads/rba-rate-intelligence" }, "validation": { "installChecklist": [ "Use the Yavira download entry.", "Review SKILL.md after the package is downloaded.", "Confirm the extracted package contains the expected setup assets." ], "postInstallChecks": [ "Confirm the extracted package includes the expected docs or setup files.", "Validate the skill or prompts are available in your target agent workspace.", "Capture any manual follow-up steps the agent could not complete." ] }, "downloadPageUrl": "https://openagent3.xyz/downloads/rba-rate-intelligence", "agentPageUrl": "https://openagent3.xyz/skills/rba-rate-intelligence/agent", "manifestUrl": "https://openagent3.xyz/skills/rba-rate-intelligence/agent.json", "briefUrl": "https://openagent3.xyz/skills/rba-rate-intelligence/agent.md" }, "agentAssist": { "summary": "Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.", "steps": [ "Download the package from Yavira.", "Extract it into a folder your agent can access.", "Paste one of the prompts below and point your agent at the extracted folder." ], "prompts": [ { "label": "New install", "body": "I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Tell me what you changed and call out any manual steps you could not complete." }, { "label": "Upgrade existing", "body": "I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Summarize what changed and any follow-up checks I should run." } ] }, "documentation": { "source": "clawhub", "primaryDoc": "SKILL.md", "sections": [ { "title": "RBA Rate Intelligence", "body": "Real-time Reserve Bank of Australia cash rate monitoring, meeting schedules, and mortgage impact analysis." }, { "title": "Current Rates (February 2026)", "body": "MetricValueLast ChangeRBA Cash Rate4.10%Dec 2024 (-25bp)CPI (Annual)2.8%Q4 2024RBA Target2-3%Inflation target band\n\n⚠️ Rates change. Always verify at rba.gov.au" }, { "title": "RBA Meeting Schedule 2026", "body": "The RBA Board meets 8 times per year to decide the cash rate.\n\n#DateDay118 February 2026Tuesday21 April 2026Wednesday320 May 2026Wednesday41 July 2026Wednesday512 August 2026Wednesday623 September 2026Wednesday74 November 2026Wednesday89 December 2026Wednesday\n\nDecision announcement: 2:30 PM AEDT/AEST on meeting day\n\nOfficial calendar: RBA Monetary Policy Meetings" }, { "title": "Monthly Repayment Formula (P&I)", "body": "M = P × [r(1+r)^n] / [(1+r)^n – 1]\n\nWhere:\n- P = Principal (loan amount)\n- r = Monthly rate (annual rate ÷ 12 ÷ 100)\n- n = Total months (years × 12)" }, { "title": "Quick Impact Table ($500,000 loan, 30 years)", "body": "RateMonthly P&Ivs 4.10%3.60%$2,272-$160/mo3.85%$2,343-$89/mo4.10%$2,416—4.35%$2,490+$74/mo4.60%$2,565+$149/mo5.00%$2,684+$268/mo6.00%$2,998+$582/mo" }, { "title": "Per 0.25% Rate Change", "body": "$500,000 loan → ~$75/month difference\n$750,000 loan → ~$112/month difference\n$1,000,000 loan → ~$150/month difference" }, { "title": "What is CPI?", "body": "Consumer Price Index measures the average change in prices paid by households for goods and services." }, { "title": "Latest CPI Data", "body": "QuarterAnnual %TrendQ4 20242.8%↓Q3 20242.9%↓Q2 20243.4%↓Q1 20243.8%↓" }, { "title": "RBA's Inflation Target", "body": "Target band: 2-3% annual inflation\nAbove 3%: RBA may raise rates to cool economy\nBelow 2%: RBA may cut rates to stimulate growth\n\nData source: ABS CPI" }, { "title": "Recent Rate Movements", "body": "DateRateChangeDec 20244.10%-0.25%Nov 20234.35%+0.25%Jun 20234.10%+0.25%May 20233.85%+0.25%Mar 20233.60%+0.25%Nov 20200.10%-0.15% (COVID low)" }, { "title": "Key Milestones", "body": "COVID Low: 0.10% (Nov 2020 – Apr 2022)\nFastest Hike Cycle: +4.25% in 18 months (May 2022 – Nov 2023)\nCurrent Easing Cycle: Started Dec 2024\n\nFull history: RBA Cash Rate Target" }, { "title": "Variable vs Fixed Rates", "body": "TypeProsConsVariableBenefits from rate cuts; Flexible (extra repayments, offset)Exposed to rate risesFixedCertainty; Protection from risesMisses out on cuts; Break costs; Limited flexibility" }, { "title": "Current Market Rates (Indicative)", "body": "ProductRangeVariable (owner-occupied, P&I)5.80% – 6.50%2-year Fixed5.50% – 6.20%3-year Fixed5.40% – 6.00%\n\nRates vary by lender, LVR, and loan features. Compare at canstar.com.au" }, { "title": "Proactive Alerts (For Clawdbot Users)", "body": "Set up reminders for RBA meetings:\n\n\"Remind me the day before each RBA meeting\"\n\"Alert me when RBA changes the cash rate\"\n\"Notify me when CPI data is released\"\n\nCPI release schedule: Quarterly (late Jan, Apr, Jul, Oct)" }, { "title": "Key Resources", "body": "RBA Official: rba.gov.au\nABS Statistics: abs.gov.au\nRate Comparison: canstar.com.au\nEconomic Calendar: tradingeconomics.com/australia/calendar" }, { "title": "Disclaimer", "body": "This skill provides general information only. Interest rates, economic data, and policies change frequently. Always verify current rates with official sources (RBA, ABS) and consult a qualified mortgage broker or financial advisor before making financial decisions.\n\nBuilt by Oney & Co — Australian lending insights, simplified." } ], "body": "RBA Rate Intelligence\n\nReal-time Reserve Bank of Australia cash rate monitoring, meeting schedules, and mortgage impact analysis.\n\nCurrent Rates (February 2026)\nMetric\tValue\tLast Change\nRBA Cash Rate\t4.10%\tDec 2024 (-25bp)\nCPI (Annual)\t2.8%\tQ4 2024\nRBA Target\t2-3%\tInflation target band\n\n⚠️ Rates change. Always verify at rba.gov.au\n\nRBA Meeting Schedule 2026\n\nThe RBA Board meets 8 times per year to decide the cash rate.\n\n#\tDate\tDay\n1\t18 February 2026\tTuesday\n2\t1 April 2026\tWednesday\n3\t20 May 2026\tWednesday\n4\t1 July 2026\tWednesday\n5\t12 August 2026\tWednesday\n6\t23 September 2026\tWednesday\n7\t4 November 2026\tWednesday\n8\t9 December 2026\tWednesday\n\nDecision announcement: 2:30 PM AEDT/AEST on meeting day\n\nOfficial calendar: RBA Monetary Policy Meetings\n\nRate Impact Calculator\nMonthly Repayment Formula (P&I)\nM = P × [r(1+r)^n] / [(1+r)^n – 1]\n\nWhere:\n- P = Principal (loan amount)\n- r = Monthly rate (annual rate ÷ 12 ÷ 100)\n- n = Total months (years × 12)\n\nQuick Impact Table ($500,000 loan, 30 years)\nRate\tMonthly P&I\tvs 4.10%\n3.60%\t$2,272\t-$160/mo\n3.85%\t$2,343\t-$89/mo\n4.10%\t$2,416\t—\n4.35%\t$2,490\t+$74/mo\n4.60%\t$2,565\t+$149/mo\n5.00%\t$2,684\t+$268/mo\n6.00%\t$2,998\t+$582/mo\nPer 0.25% Rate Change\n$500,000 loan → ~$75/month difference\n$750,000 loan → ~$112/month difference\n$1,000,000 loan → ~$150/month difference\n\nCPI & Inflation\nWhat is CPI?\n\nConsumer Price Index measures the average change in prices paid by households for goods and services.\n\nLatest CPI Data\nQuarter\tAnnual %\tTrend\nQ4 2024\t2.8%\t↓\nQ3 2024\t2.9%\t↓\nQ2 2024\t3.4%\t↓\nQ1 2024\t3.8%\t↓\nRBA's Inflation Target\nTarget band: 2-3% annual inflation\nAbove 3%: RBA may raise rates to cool economy\nBelow 2%: RBA may cut rates to stimulate growth\n\nData source: ABS CPI\n\nHistorical Cash Rate\nRecent Rate Movements\nDate\tRate\tChange\nDec 2024\t4.10%\t-0.25%\nNov 2023\t4.35%\t+0.25%\nJun 2023\t4.10%\t+0.25%\nMay 2023\t3.85%\t+0.25%\nMar 2023\t3.60%\t+0.25%\nNov 2020\t0.10%\t-0.15% (COVID low)\nKey Milestones\nCOVID Low: 0.10% (Nov 2020 – Apr 2022)\nFastest Hike Cycle: +4.25% in 18 months (May 2022 – Nov 2023)\nCurrent Easing Cycle: Started Dec 2024\n\nFull history: RBA Cash Rate Target\n\nVariable vs Fixed Rates\nType\tPros\tCons\nVariable\tBenefits from rate cuts; Flexible (extra repayments, offset)\tExposed to rate rises\nFixed\tCertainty; Protection from rises\tMisses out on cuts; Break costs; Limited flexibility\nCurrent Market Rates (Indicative)\nProduct\tRange\nVariable (owner-occupied, P&I)\t5.80% – 6.50%\n2-year Fixed\t5.50% – 6.20%\n3-year Fixed\t5.40% – 6.00%\n\nRates vary by lender, LVR, and loan features. Compare at canstar.com.au\n\nProactive Alerts (For Clawdbot Users)\n\nSet up reminders for RBA meetings:\n\n\"Remind me the day before each RBA meeting\"\n\"Alert me when RBA changes the cash rate\"\n\"Notify me when CPI data is released\"\n\n\nCPI release schedule: Quarterly (late Jan, Apr, Jul, Oct)\n\nKey Resources\nRBA Official: rba.gov.au\nABS Statistics: abs.gov.au\nRate Comparison: canstar.com.au\nEconomic Calendar: tradingeconomics.com/australia/calendar\nDisclaimer\n\nThis skill provides general information only. Interest rates, economic data, and policies change frequently. Always verify current rates with official sources (RBA, ABS) and consult a qualified mortgage broker or financial advisor before making financial decisions.\n\nBuilt by Oney & Co — Australian lending insights, simplified." }, "trust": { "sourceLabel": "tencent", "provenanceUrl": "https://clawhub.ai/tianshizhimao-sudo/rba-rate-intelligence", "publisherUrl": "https://clawhub.ai/tianshizhimao-sudo/rba-rate-intelligence", "owner": "tianshizhimao-sudo", "version": "1.0.0", "license": null, "verificationStatus": "Indexed source record" }, "links": { "detailUrl": "https://openagent3.xyz/skills/rba-rate-intelligence", "downloadUrl": "https://openagent3.xyz/downloads/rba-rate-intelligence", "agentUrl": "https://openagent3.xyz/skills/rba-rate-intelligence/agent", "manifestUrl": "https://openagent3.xyz/skills/rba-rate-intelligence/agent.json", "briefUrl": "https://openagent3.xyz/skills/rba-rate-intelligence/agent.md" } }