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Housing and mortgage markets in Canada

Smith, Lawrence B. - 1970

Persistent link: https://www.econbiz.de/10000668551

Institutional mortgage lending in Canada : 1954-1968 ; an econometric analysis

Smith, Lawrence B. - 1973

Persistent link: https://www.econbiz.de/10000668601

Price movements in the Canadian residential mortgage market

Allen, Jason; McVanel, Darcey - 2009

The authors empirically analyze the price-setting behaviour of the major Canadian banks in the residential mortgage … market over the period 19912007. They use weekly posted prices of the major mortgage providers to study the degree of … competition in mortgage price setting. Their results suggest that the residential mortgage market is imperfectly competitive. They …

Persistent link: https://www.econbiz.de/10003852802

Market Structure and the Diffusion of E-Commerce: Evidence from the Retail Banking Industry

Allen, Jason; Clark, Robert; Houde, Jean-François - Bank of Canada - 2008

This paper studies the role that market structure plays in affecting the diffusion of electronic banking. Electronic banking (and electronic commerce more generally) reduces the cost of performing many types of transactions for firms. The full benefits for firms from adoption, however, only...

Persistent link: https://www.econbiz.de/10005536851

The Syndicated Loan Market: Developments in the North American Context

Armstrong, Jim - Bank of Canada - 2003

The author describes the rapid development of the syndicated corporate loan market in the 1990s. He explores the historical forces that led to the development of the contemporary U.S. syndicated loan market, which is effectively a hybrid of the investment banking and commercial banking worlds....

Persistent link: https://www.econbiz.de/10005673341

Booms and Busts in House Prices Explained by Constraints in Housing Supply

Bulusu, Narayan; Duarte, Jefferson; Vergara-Alert, Carles - Bank of Canada - 2013

We study the importance of supply constraints in explaining the heterogeneity in house price cycles across geographies in the United States. Comparing the equilibrium house price generated with and without supply constraints in a representative-agent model under irreversibility of housing...

Persistent link: https://www.econbiz.de/10010667178

Simulations du ratio du service de la dette des consommateurs en utilisant des données micro

Djoudad, Ramdane - Bank of Canada - 2009

The author constructs a formal analytic framework to simulate the impact of various economic shocks on the household debt-service ratio, using data from the Canadian Financial Monitor (CFM) survey. The impact of these shocks on individual households depends on the socio-economic characteristics...

Persistent link: https://www.econbiz.de/10005256656

A Framework to Assess Vulnerabilities Arising from Household Indebtedness Using Microdata

Djoudad, Ramdane - Bank of Canada - 2012

Rising levels of household indebtedness have created concerns about the vulnerabilities of households to adverse economic shocks and the impact on financial stability. To assess these risks, the author presents a formal stress-testing framework that uses microdata to simulate how various...

Persistent link: https://www.econbiz.de/10009653922

A Survey and Risk Analysis of Selected Non-Bank Retail Payments Systems

Chande, Nikil - Bank of Canada - 2008

Payment services offered by non-banks have flourished in recent years. The author provides an overview of the different kinds of non-bank retail payments schemes currently available in Canada, illustrating each by focusing on a specific example. Current players in the Canadian marketplace...

Persistent link: https://www.econbiz.de/10005808274

Indebtedness and the Household Financial Health: An Examination of the Canadian Debt Service Ratio Distribution

Faruqui, Umar - Bank of Canada - 2008

The household debt-to-disposable income ratio in Canada increased from 110 per cent in 1999 to 127 per cent in 2007. This increase has raised questions about the ability of households to service their increased debt if faced with a negative economic or socio-economic shock. <br><br> The debt service...

Persistent link: https://www.econbiz.de/10005162513

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