Average Canadian family debt hits $100,000

华强

这是去年的资料。据说2012年每户的借债已近12万，发展速度可真快。


Average Canadian family debt hits $100,000


http://www.ctv.ca/CTVNews/Canada/20110217/family-debt-110217/


CTV.ca News Staff

Date: Thu. Feb. 17 2011 9:15 PM ET


The average Canadian family is dealing with $100,000 in debt and owes far more than it earns, according to a new report.

The report, released by the Vanier Institute of the Family on Thursday, suggests the debt-to-income ratio is a record 150 per cent.

That means for every $1,000 in after-tax income that a Canadian family earns, it owes $1,500.

Katherine Scott, director of programs for the Vanier Institute of the Family, says that while standard economic indicators suggest the recession is over, Canadian families remain in a precarious predicament.

"As governments at all levels craft their budgets for the coming year and look at cutting programs to reduce their deficits, they need to be mindful that the state of Canadian family finances continues to be fragile in many households," Scott said.

Scott said Canada's average debt load crossed a "psychological barrier" when it reached the six-digit mark.

Scott said many families would have much higher debt loads than the average $100,000, and many families would have lower ones as well.

The figure includes mortgages, student loans, credit card debts and lines of credit.

"This has really sparked a debate about the role of debt. Most economists, and certainly Vanier, would point out that there is good debt and bad debt, Scott said.

"Young people going into debt to finance post-secondary education; in a sense that is considered ‘good debt.' But when the levels are so high it starts to deter people from pursuing post-secondary."

However, with historically low interest rates expected to inevitably rise, Scott says many families could be headed for a "precarious situation."

The Institute suggests the level of debt most families are dealing with has been on the rise for the past 20 years. In 1990, the average family debt stood at $56,800, with a debt-to-income ratio of 93 per cent.

When the debt ratio began to rise, the savings rate began to fall, according to the report.

In 1990, the average Canadian family put $8,000 into savings, or 13 per cent. In 2010, families managed to save $2,500, or 4.2 per cent.

Other data compiled by the Institute suggests 17,400 households were behind in their mortgage payments by three or more months in 2010, up by 50 per cent since the recession began. Credit card delinquencies and bankruptcy rates also remain higher than before the recession.

华强

华强

Average Canadian household is $112,329 in debt, growing in past five years: BMO

http://www.canadianbusiness.com/article/86794--average-canadian-household-is-112-329-in-debt-growing-in-past-five-years-bmo

TORONTO - A new bank study suggests the average Canadian household is more than $100,000 in debt and that Canadians have ramped up borrowing in the past five years.


The first annual BMO survey on household debt found that average household debt among Canadians surveyed stands at $112,329, including mortgage, credit card, line of credit and loan debt.


But the bank says so-called good debt like mortgages outweighs less favourable forms of borrowing.


While 25 per cent of those surveyed say they are debt free, 41 per cent say that they have taken on more debt in the past five years as a result of increased spending.


And 54 per cent of respondents said they expect to be debt free in the next five years.


The survey also found that 70 per cent of Canadians believe they can afford to pay down debt by paying more than the minimum, but one-third appear to be stretched with paying only the minimum amounts.


The report, conducted by Leger Marketing to measure the amount of debt Canadian households are carrying and how it's managed, surveyed 1,507 Canadians in an online poll at the beginning of April.

华强

如果这个情况是真实的，那么对加拿大的经济和房地产业是一个极大的隐患。


The survey also found that 70 per cent of Canadians believe they can afford to pay down debt by paying more than the minimum, but one-third appear to be stretched with paying only the minimum amounts.

新蛛

债务比重越来越高，
当然这也是这20年超低的利率水平造成的，
家庭的实际负担水平并没有增加多少，
现在利率历史最低，负债率历史最高，
央行要做的肯定是收紧信贷来迎接利率的回升，
如果措施得当，未来负债率会逐渐减少。

华强

债务比重越来越高，
当然这也是这20年超低的利率水平造成的，
家庭的实际负担水平并没有增加多少，
现在利率历史最低，负债率历史最高，
央行要做的肯定是收紧信贷来迎接利率的回升，
如果措施得当，未来负债率会逐渐减少。
新蛛 发表于 2012-6-23 10:25

猪猪说的有理，但是如果这是事实“The survey also found that 70 per cent of Canadians believe they can afford to pay down debt by paying more than the minimum, but one-third appear to be stretched with paying only the minimum amounts”，那么升高房贷利率后肯定有30%左右的家庭房贷违约。这个比例也就是2007年美国房地产崩盘的比例。