Yang Xu - Latest - Bank of Canada
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Bank of Canada RSS Feedsen2024-03-29T05:50:08+00:00Housing demand in Canada: A novel approach to classifying mortgaged homebuyers
https://www.bankofcanada.ca/2022/01/staff-analytical-note-2022-1/
We introduce a novel approach to categorize mortgaged homebuyers into first-time homebuyers, repeat homebuyers and investors. We show how these groups contribute to activity in Canadian housing markets, and we analyze the differences in their demographic and financial characteristics.2022-01-13T10:00:50+00:00enHousing demand in Canada: A novel approach to classifying mortgaged homebuyers2022-01-13Can the characteristics of new mortgages predict borrowers’ financial stress? Insights from the 2014 oil price decline
https://www.bankofcanada.ca/2021/09/staff-analytical-note-2021-22/
We study the relationship between characteristics of new mortgages and borrowers’ financial stress in Canada’s energy-intensive regions following the 2014 collapse in oil prices. We find that borrowers with limited home equity were more likely to have difficulty repaying debt.2021-09-22T15:00:12+00:00enCan the characteristics of new mortgages predict borrowers’ financial stress? Insights from the 2014 oil price decline2021-09-22