{
    "terms": {
        "url": "https://www.bankofcanada.ca/terms/"
    },
    "groupDetail": {
        "label": "Chart 8: Holders of fixed-payment mortgages with terms of five years or more will see large payment increases at renewal over the next 12 months",
        "description": "Average change in mortgage payments at renewal (in percent, compared with December 2025 payments) and share of mortgage accounts, by mortgage term and payment type\n\nNote: The mortgage interest rates used in calculations are based on market expectations for interest rates as at May 19, 2026.\n\nSources: Regulatory filings of Canadian banks and Bank of Canada calculations",
        "link": "https://www.bankofcanada.ca/?p=253365"
    },
    "seriesDetail": {
        "FSR_2026_C8_S1": {
            "label": "Payment change",
            "description": "Payment change",
            "dimension": {
                "key": "k",
                "name": "Category"
            }
        },
        "FSR_2026_C8_S2": {
            "label": "Share of mortgage accounts",
            "description": "Share of mortgage accounts",
            "dimension": {
                "key": "k",
                "name": "Category"
            }
        }
    },
    "observations": [
        {
            "k": "Mortgages renewing with fixed payments for 5 years or more|2026H2 and 2027H1",
            "FSR_2026_C8_S1": {
                "v": "15.20"
            },
            "FSR_2026_C8_S2": {
                "v": "12.40"
            }
        },
        {
            "k": "Mortgages renewing with fixed payments for 5 years or more|2027H2",
            "FSR_2026_C8_S1": {
                "v": "5.80"
            },
            "FSR_2026_C8_S2": {
                "v": "4.10"
            }
        },
        {
            "k": "Mortgages renewing with fixed payments for less than 5 years or with variable payments|2026H2 and 2027H1",
            "FSR_2026_C8_S1": {
                "v": "-0.04"
            },
            "FSR_2026_C8_S2": {
                "v": "14.40"
            }
        },
        {
            "k": "Mortgages renewing with fixed payments for less than 5 years or with variable payments|2027H2",
            "FSR_2026_C8_S1": {
                "v": "1.20"
            },
            "FSR_2026_C8_S2": {
                "v": "10.20"
            }
        }
    ]
}