"TERMS AND CONDITIONS" "https://www.bankofcanada.ca/terms/" "NAME" "Home Equity Extraction and Household Spending in Canada" "DESCRIPTION" "This file contains data based on the Bank of Canada research paper described above." "The data is not an official statistical release by the Bank of Canada, and it is provided on a voluntary basis by the author(s)." " The Bank and the author(s) are not responsible for errors in this file and do not guarantee that the series will be updated in the future." " A contact person is listed below for any question or other inquiry." "SERIES" "id","label","description" "WM_SAN_HOSO20190918_C1_HSPENDING","Household spending (left scale)","Annual growth in household spending" "WM_SAN_HOSO20190918_C1_HPRICE","House prices (right scale)","Annual growth in house prices" "WM_SAN_HOSO20190918_C2_HELOCS","HELOCs","Home equity line of credit (HELOC), $billions" "WM_SAN_HOSO20190918_C2_MR","Mortgage refinancing","Mortgage refinancing, $billions" "WM_SAN_HOSO20190918_C3A_NEXTR","Number of extractors (left scale)","Number of extractors, thousands" "WM_SAN_HOSO20190918_C3A_MAEXTR","Median amount extracted (right scale)","Median amount extracted, $thousands" "WM_SAN_HOSO20190918_C3B_NEXTR","Number of extractors (left scale)","Number of extractors, thousands" "WM_SAN_HOSO20190918_C3B_MAEXTR","Median amount extracted (right scale)","Median amount extracted, $thousands" "WM_SAN_HOSO20190918_C4_ABSK","Alberta and Saskatchewan","Number of equity extractors (2013=100)" "WM_SAN_HOSO20190918_C4_BC","British Columbia","Number of equity extractors (2013=100)" "WM_SAN_HOSO20190918_C4_ON","Ontario","Number of equity extractors (2013=100)" "WM_SAN_HOSO20190918_C4_QC","Quebec","Number of equity extractors (2013=100)" "WM_SAN_HOSO20190918_C4_REST","Rest of Canada","Number of equity extractors (2013=100)" "WM_SAN_HOSO20190918_C5_RENO","Renovations","" "WM_SAN_HOSO20190918_C5_CONSPTION","Consumption of durables and semi-durables","" "OBSERVATIONS" "date","WM_SAN_HOSO20190918_C1_HSPENDING","WM_SAN_HOSO20190918_C1_HPRICE","WM_SAN_HOSO20190918_C2_HELOCS","WM_SAN_HOSO20190918_C2_MR","WM_SAN_HOSO20190918_C3A_NEXTR","WM_SAN_HOSO20190918_C3A_MAEXTR","WM_SAN_HOSO20190918_C3B_NEXTR","WM_SAN_HOSO20190918_C3B_MAEXTR","WM_SAN_HOSO20190918_C4_ABSK","WM_SAN_HOSO20190918_C4_BC","WM_SAN_HOSO20190918_C4_ON","WM_SAN_HOSO20190918_C4_QC","WM_SAN_HOSO20190918_C4_REST","WM_SAN_HOSO20190918_C5_RENO","WM_SAN_HOSO20190918_C5_CONSPTION" "2006-01-01","4.24","14.18","","","","","","","","","","","","","" "2007-01-01","4.68","13.17","","","","","","","","","","","","","" "2008-01-01","1.87","3.41","","","","","","","","","","","","","" "2009-01-01","-0.57","-3.51","","","","","","","","","","","","","" "2010-01-01","4.36","7.36","","","","","","","","","","","","","" "2011-01-01","2.21","3.25","","","","","","","","","","","","","" "2012-01-01","2.42","3.95","","","","","","","","","","","","","" "2013-01-01","2.26","2.97","39.4","26.5","285.2","48.7","1932.3","10.8","100.000","100.000","100.000","100.000","100.000","0.0","0.0" "2014-01-01","2.59","5.64","43.3","26.5","283.4","47.0","2031.9","11.0","109.631","89.703","92.304","111.854","99.713","1.9","0.4" "2015-01-01","2.45","5.69","44.8","38.1","352.9","53.2","1985.2","11.5","157.368","132.758","128.254","110.438","119.931","8.5","1.6" "2016-01-01","2.33","12.00","46.6","40.2","352.4","55.9","1971.5","11.8","139.218","152.189","135.344","103.535","112.470","10.3","1.9" "2017-01-01","3.51","13.57","48.7","40.3","329.9","61.3","1981.9","12.0","118.262","144.525","135.434","84.501","105.965","10.8","2.0" "2018-01-01","1.75","2.78","46.0","37.1","296.0","62.8","1894.1","12.0","100.908","132.472","119.686","80.152","94.815","7.4","1.5"