【加拿大都市網】加拿大統計局周三公布的數據顯示，與 2022 年第四季度相比，加拿大家庭的債務與其收入相比有所增加。
根據聯邦機構的數據，家庭債務與可支配收入的比率從2022 年第四季度的 181.7% 上升到 2023 年第一季度的 184.5%。這意味著普通家庭每增加一元的可支配收入就欠債大約 1.85 元的債務。
“家庭可支配收入的下降是這一比率上升的一個關鍵因素，與仍在上升的信貸市場債務相關的家庭收入減少。”報告稱。
家庭償債率——衡量家庭必須用於償還債務的可支配收入比例——從 2022 年第四季度的 14.40% 上升至 14.90%。這是自 2020 年以來最大的季度增幅，推動了家庭償債率達到 2019 年以來的最高點。
加拿大抵押貸款和住房公司在 5 月份報告說，加拿大人的家庭債務比G7集團中的任何一個國家都多，使加國容易受到全球經濟危機的影響。
根據Equifax 上周發布的一份報告，隨著消費者在通貨膨脹和高生活成本的情況下進一步陷入債務困境，越來越多的加拿大人無法每月支付非抵押貸款賬單。
加拿大人正在努力應對不斷飆升的生活成本，因為加拿大央行上周通過再次將其主要隔夜貸款利率提高25 個基點（0.25 個百分點）至 4.75% 來應對持續的通貨膨脹。
2022 年 3 月，加拿大開始了激進的加息運動，以壓低通脹，將其關鍵隔夜利率從 0.25% 推高至 4.5%。該理論認為，通過提高借貸成本，消費者——和企業——將減少支出，從而壓低價格並減緩經濟?。
Canadians Now Owe $1.85 in Debt for Every Dollar of Disposable Income
Investing.com -- In the first quarter of this year, Statistics Canada reported an increase in household debt levels relative to disposable income. This rise is attributed to a decline in disposable income while Canadians continue to accumulate more debt.
Data from the agency reveals that seasonally adjusted household credit market debt as a proportion of disposable income increased to 184.5% during Q1, up from 181.7% in Q4 of 2022.
This indicates that for every dollar of household disposable income, there was $1.85 worth of credit market debt.
Meanwhile, the household debt service ratio climbed to 14.90% in Q1 from 14.40% in the previous quarter. This data point represents the principal and interest payments on credit market debts as a percentage of disposable income, meaning that Canadians now owe nearly 15% of their disposable.
This surge can be partly explained by households borrowing an additional $16.5 billion (seasonally adjusted) during Q1, with mortgage debts accounting for $11.2 billion of this amount.
The overall seasonally adjusted stockpile of household credit market debts - encompassing consumer credits along with mortgage and non-mortgage loans - experienced a growth rate of approximately 0.6%. The total figure rose from the fourth quarter's level at around $2.84 trillion in Q3 including $2.11 trillion specifically related to mortgages. This data point represents the total amount owed by Canadians in credit market debt.
