{
    "terms": {
        "url": "https://www.bankofcanada.ca/terms/"
    },
    "groupDetail": {
        "label": "The quality of lending has improved, with fewer mortgages going to highly indebted borrowers",
        "description": "Share of new mortgages with a loan-to-income ratio over 450 per cent; 5-year mortgage rate\n\nNote: Data include mortgages for residential purchases and refinances originated by federally regulated financial institutions. The 5-year mortgage rate is the median contractual interest rate for a fixed-rate mortgage issued by a federally regulated lender.\n\nSources: Department of Finance Canada, regulatory filings of Canadian banks and Bank of Canada calculations\nLast observation: 2018Q2",
        "link": "https://www.bankofcanada.ca/?p=201652"
    },
    "seriesDetail": {
        "WM_SAN_BILO20181003_C1_S1": {
            "label": "High-ratio mortgages (right scale)",
            "description": "Share of new mortgages with a loan-to-income ratio over 450 per cent",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C1_S2": {
            "label": "Low-ratio mortgages (right scale)",
            "description": "Share of new mortgages with a loan-to-income ratio over 450 per cent",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C1_S3": {
            "label": "Total mortgages (right scale)",
            "description": "Share of new mortgages with a loan-to-income ratio over 450 per cent",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        },
        "WM_SAN_BILO20181003_C1_S4": {
            "label": "5-year mortgage rate (left scale)",
            "description": "Share of new mortgages with a loan-to-income ratio over 450 per cent",
            "dimension": {
                "key": "d",
                "name": "Date"
            }
        }
    },
    "observations": [
        {
            "d": "2014-01-01",
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "11.7"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "3.5"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "12.7"
            },
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "13.0"
            }
        },
        {
            "d": "2014-04-01",
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "12.1"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "3.0"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "12.5"
            },
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "12.6"
            }
        },
        {
            "d": "2014-07-01",
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "14.1"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "3.0"
            },
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "14.9"
            },
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "13.9"
            }
        },
        {
            "d": "2014-10-01",
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "14.5"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "3.0"
            },
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "15.6"
            },
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "14.2"
            }
        },
        {
            "d": "2015-01-01",
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "16.1"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "14.7"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "2.9"
            },
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "14.5"
            }
        },
        {
            "d": "2015-04-01",
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "16.1"
            },
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "16.0"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "16.1"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "2.7"
            }
        },
        {
            "d": "2015-07-01",
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "17.5"
            },
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "18.9"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "17.8"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "2.7"
            }
        },
        {
            "d": "2015-10-01",
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "17.3"
            },
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "19.1"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "17.7"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "2.7"
            }
        },
        {
            "d": "2016-01-01",
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "17.5"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "17.7"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "2.8"
            },
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "18.9"
            }
        },
        {
            "d": "2016-04-01",
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "17.3"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "17.5"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "2.6"
            },
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "17.5"
            }
        },
        {
            "d": "2016-07-01",
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "2.5"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "19.4"
            },
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "20.8"
            },
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "19.0"
            }
        },
        {
            "d": "2016-10-01",
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "2.5"
            },
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "19.1"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "19.2"
            },
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "20.0"
            }
        },
        {
            "d": "2017-01-01",
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "13.1"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "2.7"
            },
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "19.9"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "19.0"
            }
        },
        {
            "d": "2017-04-01",
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "9.9"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "2.6"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "18.3"
            },
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "19.8"
            }
        },
        {
            "d": "2017-07-01",
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "2.6"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "18.9"
            },
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "20.4"
            },
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "10.4"
            }
        },
        {
            "d": "2017-10-01",
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "3.1"
            },
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "9.9"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "18.2"
            },
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "19.7"
            }
        },
        {
            "d": "2018-01-01",
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "17.9"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "3.3"
            },
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "9.4"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "16.9"
            }
        },
        {
            "d": "2018-04-01",
            "WM_SAN_BILO20181003_C1_S1": {
                "v": "6.2"
            },
            "WM_SAN_BILO20181003_C1_S3": {
                "v": "12.9"
            },
            "WM_SAN_BILO20181003_C1_S2": {
                "v": "14.3"
            },
            "WM_SAN_BILO20181003_C1_S4": {
                "v": "3.3"
            }
        }
    ]
}