{
    "terms": {
        "url": "https://www.bankofcanada.ca/terms/"
    },
    "groupDetail": {
        "label": "Chart 7: Mortgage arrears remain low but have increased among borrowers with large balances relative to income",
        "description": "Share of mortgage accounts in arrears by 60 days or more\n\nNote: Toronto refers to Statistics Canada’s census metropolitan area. High LTI means a loan-to-income ratio higher than 450%. Percentages shown above each group indicate that group’s share of outstanding mortgage balances in Canada. To protect the privacy of Canadians, TransUnion did not provide any personal information to the Bank of Canada. The TransUnion dataset was anonymized, meaning it does not include information that identifies individual Canadians, such as names, social insurance numbers or addresses.\n\nSources: TransUnion, regulatory filings of Canadian banks and Bank of Canada calculations",
        "link": "https://www.bankofcanada.ca/?p=253365"
    },
    "seriesDetail": {
        "FSR_2026_C7_S1": {
            "label": "2018–19 average",
            "description": "2018–19 average",
            "dimension": {
                "key": "k",
                "name": "Category"
            }
        },
        "FSR_2026_C7_S2": {
            "label": "March 2025",
            "description": "March 2025",
            "dimension": {
                "key": "k",
                "name": "Category"
            }
        },
        "FSR_2026_C7_S3": {
            "label": "March 2026",
            "description": "March 2026",
            "dimension": {
                "key": "k",
                "name": "Category"
            }
        }
    },
    "observations": [
        {
            "k": "All mortgage holders in Canada",
            "FSR_2026_C7_S1": {
                "v": "0.29"
            },
            "FSR_2026_C7_S2": {
                "v": "0.27"
            },
            "FSR_2026_C7_S3": {
                "v": "0.32"
            }
        },
        {
            "k": "Mortgage holders with a high LTI",
            "FSR_2026_C7_S1": {
                "v": "0.19"
            },
            "FSR_2026_C7_S2": {
                "v": "0.46"
            },
            "FSR_2026_C7_S3": {
                "v": "0.64"
            }
        },
        {
            "k": "Mortgage holders in Toronto with a high LTI, 2022–23 originations",
            "FSR_2026_C7_S1": {
                "v": "0.10"
            },
            "FSR_2026_C7_S2": {
                "v": "0.78"
            },
            "FSR_2026_C7_S3": {
                "v": "1.33"
            }
        }
    ]
}