Financial System Review - June 2018 https://www.bankofcanada.ca/?p=199423 Residential mortgage credit and home equity lines of credit; 3-month seasonally adjusted annualized rate June 2018 FSR; Chart 3; Residential mortgage credit and home equity lines of credit; 3-month seasonally adjusted annualized rate Consumer credit, excluding home equity lines of credit; 3-month seasonally adjusted annualized rate June 2018 FSR; Chart 3; Consumer credit, excluding home equity lines of credit; 3-month seasonally adjusted annualized rate Debt-to-disposable income ratio June 2018 FSR; Chart 3; Debt-to-disposable income ratio Share of new mortgages with loan-to-income ratios greater than 450 per cent; High-ratio mortgages June 2018 FSR; Chart 4; Share of new mortgages with loan-to-income ratios greater than 450 per cent; High-ratio mortgages Share of new mortgages with loan-to-income ratios greater than 450 per cent; Low-ratio mortgages June 2018 FSR; Chart 4; Share of new mortgages with loan-to-income ratios greater than 450 per cent; Low-ratio mortgages Share of new mortgages with loan-to-income ratios greater than 450 per cent; Total mortgages June 2018 FSR; Chart 4; Share of new mortgages with loan-to-income ratios greater than 450 per cent; Total mortgages Market share of private lenders June 2018 FSR; Chart 5; Market share of private lenders Volume of originations from private lenders ($ millions) June 2018 FSR; Chart 5; Volume of originations from private lenders ($ millions) Year-over-year growth in composite quality-adjusted benchmark prices; Greater Vancouver Area, Vancouver Island, Victoria and Fraser Valley June 2018 FSR; Chart 6; Year-over-year growth in composite quality-adjusted benchmark prices; Greater Vancouver Area, Vancouver Island, Victoria and Fraser Valley Year-over-year growth in composite quality-adjusted benchmark prices; Greater Toronto Area, Barrie and district, Guelph and district June 2018 FSR; Chart 6; Year-over-year growth in composite quality-adjusted benchmark prices; Greater Toronto Area, Barrie and district, Guelph and district Year-over-year growth in composite quality-adjusted benchmark prices; Calgary, Edmonton, Saskatoon and Regina June 2018 FSR; Chart 6; Year-over-year growth in composite quality-adjusted benchmark prices; Calgary, Edmonton, Saskatoon and Regina Year-over-year growth in composite quality-adjusted benchmark prices; Ottawa, Montreal and Moncton June 2018 FSR; Chart 6; Year-over-year growth in composite quality-adjusted benchmark prices; Ottawa, Montreal and Moncton Year-over-year growth in composite quality-adjusted benchmark prices; Canada June 2018 FSR; Chart 6; Year-over-year growth in composite quality-adjusted benchmark prices; Canada Year-over-year growth in national quality-adjusted benchmark prices; Single-family homes June 2018 FSR; Chart 7; Year-over-year growth in national quality-adjusted benchmark prices; Single-family homes Year-over-year growth in national quality-adjusted benchmark prices; Condominiums June 2018 FSR; Chart 7; Year-over-year growth in national quality-adjusted benchmark prices; Condominiums 3-month seasonally adjusted annualized growth in quality-adjusted benchmark prices in the Greater Toronto Area; Single-family homes June 2018 FSR; Chart 8a; 3-month seasonally adjusted annualized growth in quality-adjusted benchmark prices in the Greater Toronto Area; Single-family homes 3-month seasonally adjusted annualized growth in quality-adjusted benchmark prices in the Greater Toronto Area; Condominiums June 2018 FSR; Chart 8a; 3-month seasonally adjusted annualized growth in quality-adjusted benchmark prices in the Greater Toronto Area; Condominiums 3-month seasonally adjusted annualized growth in quality-adjusted benchmark prices in the Greater Vancouver Area; Single-family homes June 2018 FSR; Chart 8b; 3-month seasonally adjusted annualized growth in quality-adjusted benchmark prices in the Greater Vancouver Area; Single-family homes 3-month seasonally adjusted annualized growth in quality-adjusted benchmark prices in the Greater Vancouver Area; Condominiums June 2018 FSR; Chart 8b; 3-month seasonally adjusted annualized growth in quality-adjusted benchmark prices in the Greater Vancouver Area; Condominiums Debt-to-EBITDA; Non-financial industries, excluding oil and mining June 2018 FSR; Chart 10a; Debt-to-EBITDA; Non-financial industries, excluding oil and mining Debt-to-EBITDA; Oil and mining industries June 2018 FSR; Chart 10a; Debt-to-EBITDA; Oil and mining industries Debt-service ratio; Non-financial industries, excluding oil and mining June 2018 FSR; Chart 10b; Debt-service ratio; Non-financial industries, excluding oil and mining Debt-service ratio; Oil and mining industries June 2018 FSR; Chart 10b; Debt-service ratio; Oil and mining industries Estimated debt-service ratio if borrowing rates rise to long-term averages; Non-financial industries, excluding oil and mining; June 2018 FSR; Chart 10b; Estimated debt-service ratio if borrowing rates rise to long-term averages; Non-financial industries, excluding oil and mining; Estimated debt-service ratio if borrowing rates rise to long-term averages; Oil and mining industries June 2018 FSR; Chart 10b; Estimated debt-service ratio if borrowing rates rise to long-term averages; Oil and mining industries One-year-ahead forecast of the 5th percentile of GDP growth; With vulnerabilities June 2018 FSR; Chart 2-B; One-year-ahead forecast of the 5th percentile of GDP growth; With vulnerabilities One-year-ahead forecast of the 5th percentile of GDP growth; Without vulnerabilities June 2018 FSR; Chart 2-B; One-year-ahead forecast of the 5th percentile of GDP growth; Without vulnerabilities 2.203.130.190.25 2.121.490.200.13 2.571.530.250.12 2.341.790.210.16 2.511.380.220.13 2.251.510.180.15 2.171.220.180.12 2.071.300.180.11 4.57676.002.101.470.180.14 4.06709.00 3.77694.00 3.63617.00 4.49719.002.421.370.180.12 3.41624.00 3.47656.00 3.89578.00 3.97489.002.642.520.180.20 3.16487.00 2.94499.00 3.31553.00 2.40443.002.202.130.160.18 2.41580.00 2.64451.00 2.86481.00 2.45452.002.081.970.150.15 2.22487.00 2.23511.00 2.68532.00 3.12663.005.143.032.142.530.150.18 5.152.52 5.362.57 3.18714.005.362.28 5.122.53 5.112.26 3.41704.004.581.66 4.311.32 4.181.19 4.48741.003.921.13 3.790.93 3.600.94 4.49747.003.260.672.292.840.160.19-1.87-1.64 2.900.73 2.610.86 3.66718.002.451.11-2.05-1.80 2.690.85 2.870.65 3.55771.003.191.17-2.10-1.85 3.511.50 3.821.64 4.57781.004.341.90-2.13-1.88 4.852.50 5.052.91 3.524.5711.6712.5512.394.82856.005.623.3811.988.2210.1111.022.332.860.150.17-2.40-2.14 3.705.335.893.569.764.457.886.49 4.434.48160.646.013.338.033.204.594.92 4.433.8312.1112.2312.214.38917.006.013.114.580.552.85-2.34-1.81-1.54 4.443.266.093.034.430.752.340.04 4.253.54161.586.183.946.365.194.37-1.89 4.393.7014.9013.4813.794.02979.006.303.619.205.345.440.69-2.22-1.93 4.324.346.053.609.687.146.913.33 4.554.44162.786.043.739.213.288.344.61 4.575.7915.6413.7014.104.16940.006.144.0510.125.0012.426.64-3.18-2.85 4.645.515.833.9811.386.6114.613.02 4.575.56162.746.134.0512.268.2116.087.96 4.854.1316.0614.0114.344.07884.004.827.345.460.505.295.803.7210.317.2515.885.582.735.930.160.37-4.07-3.54 5.013.695.227.654.27-0.115.205.683.449.774.0218.276.11 5.063.56161.815.927.793.390.375.145.733.297.45-0.0719.033.72 4.923.9715.9715.5915.663.771000.007.018.411.850.805.165.793.407.960.7718.436.21-3.18-2.60 4.924.557.958.820.850.705.235.743.577.682.2916.667.07 5.214.62163.318.468.950.310.885.335.993.1710.405.7215.585.35 5.774.3918.8916.8617.283.28987.009.409.40-0.131.465.676.443.4213.596.2217.245.74-2.92-2.32 6.153.8010.229.91-0.421.355.896.793.5416.469.3521.069.11 6.033.53164.3411.5610.39-0.851.256.227.064.3517.8911.8725.3218.67 5.782.9919.1116.6617.144.401230.0012.6210.01-1.321.296.166.984.2615.238.6129.8427.68-3.16-2.42 5.543.5814.569.96-1.641.446.617.494.7014.126.3337.2233.79 6.022.98164.5415.5810.05-2.321.696.747.544.5713.003.9541.3929.09 5.972.1018.8616.8917.174.881320.0016.7510.09-2.571.457.067.974.7612.543.5442.8328.102.706.890.160.44-3.54-2.86 5.761.0018.5510.74-2.891.607.828.566.1011.146.9238.9126.93 5.160.10165.4419.9611.56-3.381.518.529.236.8010.527.2433.5026.73 5.014.0017.3116.9817.044.521360.0021.9712.51-2.951.439.7310.567.5414.8610.3435.1025.16-3.58-2.75 5.344.5025.3614.68-2.821.8611.6813.138.0426.277.9750.5821.75 5.926.00168.1927.4915.50-2.521.8712.7614.169.3331.3510.4553.5328.16 6.164.6020.7718.4218.874.181540.0028.3516.18-2.581.7713.2514.4010.5234.0114.7340.9930.37-2.95-2.08 6.253.3028.0716.90-2.192.5013.8414.9011.0929.0717.9915.5627.92 6.273.50169.3225.8517.62-2.202.7513.8314.9510.7129.6721.684.9312.63 6.232.8020.0118.4118.695.221780.0023.8019.50-2.272.6414.1615.3311.2029.3123.690.354.25-2.75-1.96 6.273.5021.0720.00-2.143.1413.9614.7811.5125.1524.59-4.382.29 6.094.20169.9519.0120.80-1.933.3813.9314.8611.8223.4221.83-7.016.97 5.813.5513.0919.4618.655.712030.0017.3822.59-1.623.6715.1416.1712.8721.3524.32-5.197.082.584.460.150.28-2.55-1.660.200.36 5.375.4415.8924.13-1.263.4115.6716.8013.3024.1326.92-2.3713.16 5.964.03168.8814.7428.74-0.813.6517.8118.8815.9436.5845.041.2020.10 6.614.519.9019.4518.045.942290.0013.9631.26-0.523.9818.9019.4518.3344.4154.482.3029.61-2.60-1.67 7.124.1012.3028.44-0.154.0317.1016.4019.9132.9855.284.5131.27 6.575.42170.1511.2125.300.074.3815.1513.8219.716.9134.886.0431.96 6.505.8610.3820.0618.586.072110.0011.9718.230.115.0712.299.9719.14-22.9612.349.5036.04-2.95-1.99 6.085.5612.2214.39-0.304.8910.597.8618.67-27.423.0210.4433.45 5.655.43170.5313.2112.37-0.385.3210.037.0818.86-22.15-0.0610.9028.99 5.364.699.8519.4017.987.572020.0013.999.82-0.635.889.265.8018.98-6.846.229.6219.63-3.12-2.19 5.604.8315.128.51-1.115.808.745.3418.63-0.097.7612.3818.75 5.973.50170.3716.687.26-1.275.678.584.5919.71-1.5812.7914.0023.24 5.162.119.3517.5916.587.872090.0017.405.25-1.525.617.192.7919.35-1.0412.4111.8025.21 4.342.6717.853.20-0.956.426.391.6819.37-3.3915.395.6326.22 3.801.6817.41-1.42-0.726.443.87-1.1117.16-6.9011.05-0.4921.19 3.830.9715.80-4.99-1.236.651.50-3.5214.67-7.919.23-8.7315.07