真要腰斩？Equifax的报告说Canadian consumer debt climbs as mortgage balances w...

deep

Canadian consumer debt pushed higher in the most recent quarter amid a strong recovery in the housing market and a slower payoff of existing mortgages, according to a new report from Equifax Canada.

Total consumer debt climbed to $1.991 trillion in the second quarter, which is up 2.8 per cent compared to the same quarter a year ago, according to the report published Thursday.

Mortgage balances weighed on Canadians’ credit the most with increased refinancing activity and higher average home prices pushing the average debt per person to $73,532, which is 2.2 per cent higher compared to the second quarter of last year.

Meanwhile, non-mortgage debt dropped relative to 2019 as economic shutdowns across the country impacted Canadians’ credit card usage.

“Mortgage activity has withstood the headwinds from COVID and showed the earliest signs of recovery,” Rebecca Oakes, AVP of advanced analytics at Equifax Canada, said in a release.

“Other credit products began to show greenshoots of a bounceback with credit card spending starting to rise in June. Card spending for those not using a payment deferral on their credit card was effectively back to pre-COVID levels by the end of the quarter.”

Many Canadians have resorted to credit payment deferrals to help ease the financial stress amid the COVID-19 pandemic. This has been most popular among Canadians aged 35-44, according to Equifax, where 15.1 per cent have used some kind of deferral compared to 5.7 per cent of seniors.

And while the 90+ day delinquency rate for non-mortgage debt sits at 1.24 per cent, up 10.6 per cent compared with the second quarter of 2019, Equifax said this is a continued trend from last year and doesn’t measure the true impact of the pandemic.

“Delinquency rates held up relatively well and do not reflect the sharp rise in job losses thanks to the various support mechanisms,” Oakes said.

“One in five people utilizing deferred payments were already financially stressed prior to the start of the pandemic. Some of these consumers may find it harder to recover as support mechanisms start to reduce.”

Cobra

现在牛派流行的观点是买房的都是有钱人，他们不受任何不利的经济因素影响。你多虑了，地库侠。

deep

Cobra 发表于 2020-11-10 09:55 AM
现在牛派流行的观点是买房的都是有钱人，他们不受任何不利的经济因素影响。你多虑了，地库侠。

这是假牛排，真牛排是说越有钱的人，借钱越多，越不还，也越不怕不还

Cobra

deep 发表于 2020-11-10 10:00 AM
这是假牛排，真牛排是说越有钱的人，借钱越多，越不还，也越不怕不还

反正你是穷B

不买房子出租的都是穷B，地库侠。

Cobra

deep 发表于 2020-11-10 10:00 AM
这是假牛排，真牛排是说越有钱的人，借钱越多，越不还，也越不怕不还

讲真，这些影响都需要时间，几个月内不会有啥影响。

deep

Cobra 发表于 2020-11-10 10:06 AM
讲真，这些影响都需要时间，几个月内不会有啥影响。

几个月后又是一条好底裤侠

stayintoronto

Cobra 发表于 2020-11-10 09:55 AM
现在牛派流行的观点是买房的都是有钱人，他们不受任何不利的经济因素影响。你多虑了，地库侠。

不仅自己是有钱人，所有认识的人都是人生赢家，家里都有7，8辆豪车，住着上千万的房子。
凡事买不起300万以上房子的，都是穷b