# Send Rba Rate Intelligence to your agent
Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.
## Fast path
- 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.
## Suggested prompts
### New install

```text
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.
```
### Upgrade existing

```text
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.
```
## Machine-readable fields
```json
{
  "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": {
    "downloadUrl": "/downloads/rba-rate-intelligence",
    "sourceDownloadUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=rba-rate-intelligence",
    "sourcePlatform": "tencent",
    "targetPlatform": "OpenClaw",
    "packageFormat": "ZIP package",
    "primaryDoc": "SKILL.md",
    "includedAssets": [
      "SKILL.md"
    ],
    "downloadMode": "redirect",
    "sourceHealth": {
      "source": "tencent",
      "slug": "rba-rate-intelligence",
      "status": "healthy",
      "reason": "direct_download_ok",
      "recommendedAction": "download",
      "checkedAt": "2026-05-01T04:17:00.836Z",
      "expiresAt": "2026-05-08T04:17:00.836Z",
      "httpStatus": 200,
      "finalUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=rba-rate-intelligence",
      "contentType": "application/zip",
      "probeMethod": "head",
      "details": {
        "probeUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=rba-rate-intelligence",
        "contentDisposition": "attachment; filename=\"rba-rate-intelligence-1.0.0.zip\"",
        "redirectLocation": null,
        "bodySnippet": null,
        "slug": "rba-rate-intelligence"
      },
      "scope": "item",
      "summary": "Item download looks usable.",
      "detail": "Yavira can redirect you to the upstream package for this item.",
      "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."
      ]
    }
  },
  "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"
  }
}
```
## Documentation

### RBA Rate Intelligence

Real-time Reserve Bank of Australia cash rate monitoring, meeting schedules, and mortgage impact analysis.

### Current Rates (February 2026)

MetricValueLast ChangeRBA Cash Rate4.10%Dec 2024 (-25bp)CPI (Annual)2.8%Q4 2024RBA Target2-3%Inflation target band

⚠️ Rates change. Always verify at rba.gov.au

### RBA Meeting Schedule 2026

The RBA Board meets 8 times per year to decide the cash rate.

#DateDay118 February 2026Tuesday21 April 2026Wednesday320 May 2026Wednesday41 July 2026Wednesday512 August 2026Wednesday623 September 2026Wednesday74 November 2026Wednesday89 December 2026Wednesday

Decision announcement: 2:30 PM AEDT/AEST on meeting day

Official calendar: RBA Monetary Policy Meetings

### Monthly Repayment Formula (P&I)

M = P × [r(1+r)^n] / [(1+r)^n – 1]

Where:
- P = Principal (loan amount)
- r = Monthly rate (annual rate ÷ 12 ÷ 100)
- n = Total months (years × 12)

### Quick Impact Table ($500,000 loan, 30 years)

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

### Per 0.25% Rate Change

$500,000 loan → ~$75/month difference
$750,000 loan → ~$112/month difference
$1,000,000 loan → ~$150/month difference

### What is CPI?

Consumer Price Index measures the average change in prices paid by households for goods and services.

### Latest CPI Data

QuarterAnnual %TrendQ4 20242.8%↓Q3 20242.9%↓Q2 20243.4%↓Q1 20243.8%↓

### RBA's Inflation Target

Target band: 2-3% annual inflation
Above 3%: RBA may raise rates to cool economy
Below 2%: RBA may cut rates to stimulate growth

Data source: ABS CPI

### Recent Rate Movements

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)

### Key Milestones

COVID Low: 0.10% (Nov 2020 – Apr 2022)
Fastest Hike Cycle: +4.25% in 18 months (May 2022 – Nov 2023)
Current Easing Cycle: Started Dec 2024

Full history: RBA Cash Rate Target

### Variable vs Fixed Rates

TypeProsConsVariableBenefits from rate cuts; Flexible (extra repayments, offset)Exposed to rate risesFixedCertainty; Protection from risesMisses out on cuts; Break costs; Limited flexibility

### Current Market Rates (Indicative)

ProductRangeVariable (owner-occupied, P&I)5.80% – 6.50%2-year Fixed5.50% – 6.20%3-year Fixed5.40% – 6.00%

Rates vary by lender, LVR, and loan features. Compare at canstar.com.au

### Proactive Alerts (For Clawdbot Users)

Set up reminders for RBA meetings:

"Remind me the day before each RBA meeting"
"Alert me when RBA changes the cash rate"
"Notify me when CPI data is released"

CPI release schedule: Quarterly (late Jan, Apr, Jul, Oct)

### Key Resources

RBA Official: rba.gov.au
ABS Statistics: abs.gov.au
Rate Comparison: canstar.com.au
Economic Calendar: tradingeconomics.com/australia/calendar

### Disclaimer

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.

Built by Oney & Co — Australian lending insights, simplified.
## Trust
- Source: tencent
- Verification: Indexed source record
- Publisher: tianshizhimao-sudo
- Version: 1.0.0
## Source health
- Status: healthy
- Item download looks usable.
- Yavira can redirect you to the upstream package for this item.
- Health scope: item
- Reason: direct_download_ok
- Checked at: 2026-05-01T04:17:00.836Z
- Expires at: 2026-05-08T04:17:00.836Z
- Recommended action: Download for OpenClaw
## Links
- [Detail page](https://openagent3.xyz/skills/rba-rate-intelligence)
- [Send to Agent page](https://openagent3.xyz/skills/rba-rate-intelligence/agent)
- [JSON manifest](https://openagent3.xyz/skills/rba-rate-intelligence/agent.json)
- [Markdown brief](https://openagent3.xyz/skills/rba-rate-intelligence/agent.md)
- [Download page](https://openagent3.xyz/downloads/rba-rate-intelligence)