Canadian household credit liabilities, monthly
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.
Les titres et les descriptions proviennent des sources de données, en anglais.
- Lignes
- 439
- Colonnes
- 31
- Cadence de la source
- Mensuelle
- Dernière actualisation
- 30 sept. 2026
- Thème
- economy
| Colonne | 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) |
10 premières lignes d’exemple — un aperçu, pas le jeu de données complet.
| 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 |
- Actuelle
20260930T155354Z-6e3b6a13941c · sha256 6e3b6a13941c…
439 lignes · premier instantané
Dirigez n’importe quel LLM vers le point d’accès des métadonnées — la documentation ci-dessus est aussi lisible par machine (JSON-LD + Croissant).
curl "https://datazimuts.com/v1/datasets/statcan_household_credit_intel/ca_household_credit_monthly" | jq '{title, rows, columns_count, license}'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)Point d’accès API : https://datazimuts.com/v1/datasets/statcan_household_credit_intel/ca_household_credit_monthly
Astuce : récupérez /llms.txt pour le catalogue complet lisible par machine.
D’où viennent ces données et ce qui en a été fait. Le travail des autres apparaît sous forme de décomptes ; seuls les projets partagés sont nommés.
Citer cet instantané
Épinglé à l’instantané 20260930T155354Z-6e3b6a13941c et à son empreinte, pour que vos lecteurs obtiennent exactement les données utilisées.
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/fr/datasets/statcan_household_credit_intel/ca_household_credit_monthly?snapshot=20260930T155354Z-6e3b6a13941c
@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/fr/datasets/statcan_household_credit_intel/ca_household_credit_monthly?snapshot=20260930T155354Z-6e3b6a13941c}},
note = {Snapshot 20260930T155354Z-6e3b6a13941c, sha256 6e3b6a13941c9f97e7048d83fd117ed268428bc5a3c0f831f3ee222a7c39af6d; accessed 2026-10-01}
}Intégrer un tableau ou un graphique
Collez ce code dans n’importe quelle page. L’intégration est épinglée au même instantané, suit le thème clair ou sombre du lecteur et affiche toujours la source, la licence et un lien de retour.
<iframe src="https://datazimuts.com/embed/chart?dataset=statcan_household_credit_intel%2Fca_household_credit_monthly&lang=fr&theme=auto&snapshot=20260930T155354Z-6e3b6a13941c&x=date&y=total_credit_liab_m&agg=avg" title="Canadian household credit liabilities, monthly" width="100%" height="380" style="border:0" loading="lazy"></iframe>
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