Staff research

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2 result(s)

Household indebtedness risks in the wake of COVID‑19

Staff analytical note 2020-8 Olga Bilyk, Anson T. Y. Ho, Mikael Khan, Geneviève Vallée
COVID-19 presents challenges for indebted households. We assess these by drawing parallels between pandemics and natural disasters. Taking into account the financial health of the household sector when the pandemic began, we run model simulations to illustrate how payment deferrals and the labour market recovery will affect mortgage defaults.
Content Type(s): Staff research, Staff analytical notes JEL Code(s): C, C2, C21, D, D1, D12, D14, E, E2, E24, E27, E6, E62, G, G2, G21, G28, R, R2 Research Theme(s): Financial system, Financial stability and systemic risk, Household and business credit, Monetary policy, Real economy and forecasting

Home Equity Extraction and Household Spending in Canada

Staff analytical note 2019-27 Anson T. Y. Ho, Mikael Khan, Monica Mow, Brian Peterson
We use rich microdata to measure home equity extraction in Canada and track its evolution over time. We find home equity extraction has been rising in recent years and has likely contributed materially to dynamics in household spending.
Content Type(s): Staff research, Staff analytical notes JEL Code(s): D, D1, D12, E, E2, E21, G, G2, G20 Research Theme(s): Financial system, Household and business credit, Monetary policy, Real economy and forecasting
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