Canadian household credit liabilities, monthly
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Monthly Canadian household credit intelligence panel, 1990-01 onward: household credit liabilities by instrument (StatCan table 36-10-0639-01, seasonally adjusted, millions of dollars, redistributed keyless via the StatCan Web Data Service) — total liabilities, mortgage loans, non-mortgage loans, credit cards, home equity lines of credit, lines of credit excluding HELOC, personal loans, unincorporated business credit, and real estate secured lending. Carries instrument shares, annualized month-over-month and year-over-year growth, the credit-card spread over total debt growth (the revolving-stress tell), a documented 0-100 credit_stress_score with a stress_regime label, and a record-debt flag. One row per month x Canada; in-window nulls fail loudly, never imputed. Who joins this: subscription/churn teams join cohorts on year_month + country_code and use the stress score and the credit-card spread as household-budget-pressure features; lenders watch revolving-concentration shares; retail demand models use non-mortgage and HELOC growth as the discretionary-credit gauge.
- Rows
- 439
- Columns
- 31
- Source cadence
- Monthly
- Last refreshed
- Sep 30, 2026
- Theme
- economy
| Column | Type | Description |
|---|---|---|
| date | date | Reference month as an ISO date (first day of the month). (unit: ISO date) |
| year_month | string | Reference month as YYYY-MM (panel join key). (unit: string) |
| country | string | Country name (shared normalization layer). (unit: string) |
| country_code | string | ISO 3166-1 alpha-3 country code (CAN). (unit: string) |
| total_credit_liab_m | float | Total credit liabilities of households (StatCan 36-10-0639-01, seasonally adjusted), verbatim. (unit: millions of CAD) |
| mortgage_loans_m | float | Household mortgage loan liabilities, seasonally adjusted, verbatim. (unit: millions of CAD) |
| nonmortgage_loans_m | float | Household non-mortgage loan liabilities (credit cards, HELOC, personal loans, ...), seasonally adjusted, verbatim. (unit: millions of CAD) |
| credit_cards_m | float | Outstanding credit-card balances of households, seasonally adjusted, verbatim. (unit: millions of CAD) |
| heloc_m | float | Home equity lines of credit outstanding, seasonally adjusted, verbatim. (unit: millions of CAD) |
| loc_excl_heloc_m | float | Lines of credit excluding home equity lines of credit, seasonally adjusted, verbatim. (unit: millions of CAD) |
| personal_loans_m | float | Personal loan liabilities of households, seasonally adjusted, verbatim. (unit: millions of CAD) |
| unincorporated_business_m | float | Credit liabilities of unincorporated businesses (household sector), seasonally adjusted, verbatim. (unit: millions of CAD) |
| resec_lending_m | float | Real estate secured lending (mortgage loans + home equity lines of credit), seasonally adjusted, verbatim. (unit: millions of CAD) |
| mortgage_share_pct | float | Mortgage loans as a share of total household credit liabilities. (unit: percent) |
| cc_share_of_nonmortgage_pct | float | Credit-card balances as a share of non-mortgage loans — the revolving-concentration gauge. (unit: percent) |
| heloc_share_of_total_pct | float | Home equity lines of credit as a share of total household credit liabilities. (unit: percent) |
| total_mom_ann_pct | float | Month-over-month growth of total credit liabilities, annualized: 100*((x/x_lag1)**12 - 1) (null for the first panel month). (unit: percent) |
| mortgage_mom_ann_pct | float | Annualized month-over-month growth of mortgage loans (null for the first panel month). (unit: percent) |
| nonmortgage_mom_ann_pct | float | Annualized month-over-month growth of non-mortgage loans (null for the first panel month). (unit: percent) |
| credit_cards_mom_ann_pct | float | Annualized month-over-month growth of credit-card balances (null for the first panel month). (unit: percent) |
| heloc_mom_ann_pct | float | Annualized month-over-month growth of HELOC balances (null for the first panel month). (unit: percent) |
| total_yoy_pct | float | Year-over-year growth of total credit liabilities (null for the first 12 panel months). (unit: percent) |
| mortgage_yoy_pct | float | Year-over-year growth of mortgage loans (null for the first 12 panel months). (unit: percent) |
| nonmortgage_yoy_pct | float | Year-over-year growth of non-mortgage loans (null for the first 12 panel months). (unit: percent) |
| credit_cards_yoy_pct | float | Year-over-year growth of credit-card balances (null for the first 12 panel months). (unit: percent) |
| heloc_yoy_pct | float | Year-over-year growth of HELOC balances (null for the first 12 panel months). (unit: percent) |
| cc_spread_vs_total_yoy_pct | float | Credit-card YoY growth minus total-debt YoY growth (percentage points): revolving balances outpacing the total debt stock is the household-stress tell. (unit: percentage points) |
| credit_stress_score | float | Documented 0-100 composite: the mean of the trailing-24-month z-scores of credit-card YoY, non-mortgage YoY and HELOC YoY, mapped as clip(50 + 25*mean_z, 0, 100). Higher = more revolving/discretionary credit stress (null until all three z-scores have 24 observations). (unit: score 0-100) |
| stress_regime | string | Regime label on the stress score: 'elevated' (>= 65), 'normal' (35-65), 'easing' (< 35); null when the score is null. (unit: string) |
| total_record_high_flag | integer | 1 when the month's total credit liabilities equal the trailing 36-month maximum (household debt at a 3-year record), else 0. (unit: flag) |
| row_hash | string | Deterministic 16-hex sha256 of year_month + the total liabilities level (idempotency key). (unit: string) |
First 10 sample rows — a preview, not the complete dataset.
| date | year_month | country | country_code | total_credit_liab_m | mortgage_loans_m | nonmortgage_loans_m | credit_cards_m | heloc_m | loc_excl_heloc_m | personal_loans_m | unincorporated_business_m | resec_lending_m | mortgage_share_pct | cc_share_of_nonmortgage_pct | heloc_share_of_total_pct | total_mom_ann_pct | mortgage_mom_ann_pct | nonmortgage_mom_ann_pct | credit_cards_mom_ann_pct | heloc_mom_ann_pct | total_yoy_pct | mortgage_yoy_pct | nonmortgage_yoy_pct | credit_cards_yoy_pct | heloc_yoy_pct | cc_spread_vs_total_yoy_pct | credit_stress_score | stress_regime | total_record_high_flag | row_hash |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1990-01-01 | 1990-01 | Canada | CAN | 355,695 | 234,194 | 121,501 | 8,649 | 4,379 | 1,283 | 32,091 | 15,032 | 238,573 | 65.841 | 7.119 | 1.231 | — | — | — | — | — | — | — | — | — | — | — | — | — | 0 | 15dbef353b979009 |
| 1990-02-01 | 1990-02 | Canada | CAN | 357,696 | 235,671 | 122,025 | 8,915 | 4,454 | 1,320 | 32,137 | 15,003 | 240,125 | 65.886 | 7.306 | 1.245 | 6.964 | 7.836 | 5.3 | 43.835 | 22.604 | — | — | — | — | — | — | — | — | 0 | 8c6b7251b340287a |
| 1990-03-01 | 1990-03 | Canada | CAN | 360,961 | 238,054 | 122,907 | 9,037 | 4,495 | 1,349 | 32,072 | 15,110 | 242,549 | 65.95 | 7.353 | 1.245 | 11.52 | 12.832 | 9.027 | 17.716 | 11.623 | — | — | — | — | — | — | — | — | 0 | 8094d89d6ea8f27f |
| 1990-04-01 | 1990-04 | Canada | CAN | 363,890 | 240,574 | 123,316 | 9,128 | 4,589 | 1,396 | 32,182 | 14,965 | 245,163 | 66.112 | 7.402 | 1.261 | 10.184 | 13.469 | 4.067 | 12.776 | 28.192 | — | — | — | — | — | — | — | — | 0 | 86bdd9022b43992e |
| 1990-05-01 | 1990-05 | Canada | CAN | 366,427 | 242,806 | 123,621 | 9,214 | 4,586 | 1,414 | 32,288 | 14,854 | 247,392 | 66.263 | 7.453 | 1.252 | 8.695 | 11.719 | 3.009 | 11.911 | -0.782 | — | — | — | — | — | — | — | — | 0 | e31a85569e6964b3 |
| 1990-06-01 | 1990-06 | Canada | CAN | 369,126 | 245,003 | 124,124 | 9,336 | 4,678 | 1,455 | 32,401 | 14,789 | 249,681 | 66.374 | 7.522 | 1.267 | 9.206 | 11.415 | 4.993 | 17.099 | 26.915 | — | — | — | — | — | — | — | — | 0 | f086715cf2bba475 |
| 1990-07-01 | 1990-07 | Canada | CAN | 370,506 | 246,265 | 124,241 | 9,444 | 4,798 | 1,490 | 32,494 | 14,921 | 251,063 | 66.467 | 7.601 | 1.295 | 4.58 | 6.359 | 1.137 | 14.8 | 35.519 | — | — | — | — | — | — | — | — | 0 | 02c4e4b1400aa6f7 |
| 1990-08-01 | 1990-08 | Canada | CAN | 372,159 | 247,558 | 124,602 | 9,550 | 4,914 | 1,514 | 32,570 | 15,069 | 252,472 | 66.519 | 7.664 | 1.32 | 5.487 | 6.486 | 3.543 | 14.332 | 33.198 | — | — | — | — | — | — | — | — | 0 | f3880bd77c4c7691 |
| 1990-09-01 | 1990-09 | Canada | CAN | 374,050 | 248,943 | 125,107 | 9,639 | 4,991 | 1,532 | 32,590 | 15,309 | 253,934 | 66.553 | 7.705 | 1.334 | 6.271 | 6.924 | 4.973 | 11.775 | 20.512 | — | — | — | — | — | — | — | — | 0 | ccb72139fe84b216 |
| 1990-10-01 | 1990-10 | Canada | CAN | 376,225 | 250,608 | 125,617 | 9,720 | 5,065 | 1,553 | 32,603 | 15,417 | 255,673 | 66.611 | 7.738 | 1.346 | 7.205 | 8.328 | 5.003 | 10.563 | 19.317 | — | — | — | — | — | — | — | — | 0 | 088166fd16412355 |
- Current
20260930T155354Z-6e3b6a13941c · sha256 6e3b6a13941c…
439 rows · first snapshot
Point any LLM at the metadata endpoint — the documentation above is machine-readable too (JSON-LD + Croissant).
cURL
curl "https://datazimuts.com/v1/datasets/statcan_household_credit_intel/ca_household_credit_monthly" | jq '{title, rows, columns_count, license}'Python
import requests
ds = requests.get("https://datazimuts.com/v1/datasets/statcan_household_credit_intel/ca_household_credit_monthly").json()
print(ds["title"], ds["rows"], "rows")
# Sample rows for an LLM context window
for row in ds.get("sample_rows", [])[:5]:
print(row)API endpoint: https://datazimuts.com/v1/datasets/statcan_household_credit_intel/ca_household_credit_monthly
Tip: fetch /llms.txt for the full machine-readable catalog.
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Cite this snapshot
Pinned to snapshot 20260930T155354Z-6e3b6a13941c and its content hash, so readers get exactly the data you used.
APA
Canadian Household Credit Intelligence (StatCan, keyless). (2026). Canadian household credit liabilities, monthly [Data set, snapshot 20260930T155354Z-6e3b6a13941c, sha256 6e3b6a13941c]. Datazimuts. Retrieved 2026-10-01, from https://datazimuts.com/en/datasets/statcan_household_credit_intel/ca_household_credit_monthly?snapshot=20260930T155354Z-6e3b6a13941c
BibTeX
@misc{dz_statcan_household_credit_intel_ca_househ_6e3b6a13,
title = {{Canadian household credit liabilities, monthly}},
author = {{Canadian Household Credit Intelligence (StatCan, keyless)}},
year = {2026},
publisher = {Datazimuts},
howpublished = {\url{https://datazimuts.com/en/datasets/statcan_household_credit_intel/ca_household_credit_monthly?snapshot=20260930T155354Z-6e3b6a13941c}},
note = {Snapshot 20260930T155354Z-6e3b6a13941c, sha256 6e3b6a13941c9f97e7048d83fd117ed268428bc5a3c0f831f3ee222a7c39af6d; accessed 2026-10-01}
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