"CONDITIONS D’UTILISATION ET AVIS D’EXONÉRATION DE RESPONSABILITÉ" "https://www.banqueducanada.ca/conditions-utilisation-avis/" "TITRE" "La proportion de nouveaux prêts hypothécaires assortis d’un ratio de prêt au revenu élevé est en hausse" "DESCRIPTION" "Part des nouveaux prêts hypothécaires dont le ratio de prêt au revenu est supérieur à 450 %, données trimestrielles" "" "Dernière observation : 2020T4" "" "Nota : Les données incluent les prêts consentis par des institutions financières sous réglementation fédérale pour l’acquisition d’un logement ou un refinancement hypothécaire. Les prêts hypothécaires dont le rapport prêt-valeur est supérieur à 80 % (prêts à RPV élevé) doivent être assurés. Les prêts hypothécaires à faible rapport prêt-valeur (prêts à faible RPV) affichent un RPV de 80 % ou moins." "" "Sources : ministère des Finances du Canada, relevés réglementaires soumis par les banques canadiennes et calculs de la Banque du Canada" "LIEN" "https://www.banqueducanada.ca/?p=220262" "SÉRIES" "id","label","description" "FSHUB_20210317_C10_S1","Total des prêts hypothécaires","" "FSHUB_20210317_C10_S2","Prêts hypothécaires à RPV élevé","" "FSHUB_20210317_C10_S3","Prêts hypothécaires à faible RPV","" "OBSERVATIONS" "date","FSHUB_20210317_C10_S1","FSHUB_20210317_C10_S2","FSHUB_20210317_C10_S3" "2014-01-01","12.3","11.7","12.4" "2014-04-01","12.0","12.1","12.0" "2014-07-01","13.6","14.9","13.2" "2014-10-01","14.0","15.6","13.6" "2015-01-01","14.3","16.1","14.0" "2015-04-01","15.7","16.0","15.7" "2015-07-01","17.3","18.9","16.9" "2015-10-01","17.1","19.1","16.6" "2016-01-01","16.9","18.9","16.6" "2016-04-01","16.8","17.3","16.7" "2016-07-01","18.6","20.8","18.2" "2016-10-01","18.8","20.0","18.5" "2017-01-01","18.7","14.3","19.4" "2017-04-01","17.9","10.7","19.2" "2017-07-01","18.4","11.5","19.8" "2017-10-01","17.7","10.6","18.9" "2018-01-01","16.2","10.2","17.1" "2018-04-01","12.3","6.8","13.4" "2018-07-01","12.9","6.4","14.2" "2018-10-01","12.6","6.5","13.8" "2019-01-01","13.0","6.4","14.0" "2019-04-01","12.9","5.6","14.4" "2019-07-01","14.7","7.4","16.2" "2019-10-01","16.1","9.3","17.3" "2020-01-01","17.0","9.5","18.1" "2020-04-01","16.5","9.9","17.8" "2020-07-01","18.4","12.7","19.7" "2020-10-01","21.7","16.6","22.6"