"TERMS AND CONDITIONS" "https://www.bankofcanada.ca/terms/" "SERIES" "id","label","description" "CREDIT","Balance of Opinion","Credit Conditions - Over the past 3 months, how have the terms and conditions for obtaining financing changed (compared with the previous 3 months)?" "CREDITEASE","Eased (%)","Credit Conditions - Over the past 3 months, how have the terms and conditions for obtaining financing changed (compared with the previous 3 months)?" "CREDITTIGHT","Tightened (%)","Credit Conditions - Over the past 3 months, how have the terms and conditions for obtaining financing changed (compared with the previous 3 months)?" "OBSERVATIONS" "date","CREDIT","CREDITEASE","CREDITTIGHT" "2000Q3","-15","30","15" "2000Q4","-20","38","18" "2001Q1","-9","26","17" "2001Q2","-39","50","11" "2001Q3","-20","30","10" "2001Q4","29","10","40" "2002Q1","31","4","36" "2002Q2","11","14","25" "2002Q3","9","14","23" "2002Q4","15","12","27" "2003Q1","19","10","29" "2003Q2","11","13","24" "2003Q3","-11","30","20" "2003Q4","-10","25","15" "2004Q1","-17","27","10" "2004Q2","-4","18","15" "2004Q3","-3","20","16" "2004Q4","-20","28","8" "2005Q1","-19","33","14" "2005Q2","-18","30","13" "2005Q3","-22","34","12" "2005Q4","-8","23","15" "2006Q1","-5","16","11" "2006Q2","-5","19","14" "2006Q3","-19","28","9" "2006Q4","-10","21","10" "2007Q1","-19","29","11" "2007Q2","-15","25","10" "2007Q3","25","7","32" "2007Q4","24","8","32" "2008Q1","24","17","41" "2008Q2","14","15","29" "2008Q3","32","12","43" "2008Q4","58","6","63" "2009Q1","36","8","44" "2009Q2","12","21","33" "2009Q3","-4","25","21" "2009Q4","-12","26","13" "2010Q1","-1","15","14" "2010Q2","-10","18","8" "2010Q3","-16","27","10" "2010Q4","-14","22","8" "2011Q1","-6","21","14" "2011Q2","-24","26","2" "2011Q3","-13","24","11" "2011Q4","5","23","28" "2012Q1","-20","26","6" "2012Q2","7","16","24" "2012Q3","-10","20","10" "2012Q4","-7","19","12" "2013Q1","6","11","17" "2013Q2","-1","14","13" "2013Q3","0","14","14" "2013Q4","3","13","16" "2014Q1","-8","19","11" "2014Q2","-27","33","6" "2014Q3","-11","19","8" "2014Q4","-3","13","9" "2015Q1","-11","23","11" "2015Q2","-10","20","11" "2015Q3","7","14","20" "2015Q4","-2","22","20" "2016Q1","15","9","24" "2016Q2","-8","20","12" "2016Q3","-5","18","13" "2016Q4","-1","17","16" "2017Q1","-2","11","9" "2017Q2","-1","13","12" "2017Q3","3","15","18" "2017Q4","-4","15","12" "2018Q1","9","9","18" "2018Q2","-5","13","9" "2018Q3","-1","13","12" "2018Q4","11","6","17" "2019Q1","-7","20","13" "2019Q2","-6","15","9" "2019Q3","-5","18","13"