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Table 57
Debt service indicators, persons and unincorporated businesses

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Item First quarter 1990 Second quarter 1990 Third quarter 1990 Fourth quarter 1990 First quarter 1991 Second quarter 1991 Third quarter 1991 Fourth quarter 1991 First quarter 1992 Second quarter 1992 Third quarter 1992 Fourth quarter 1992 First quarter 1993 Second quarter 1993 Third quarter 1993 Fourth quarter 1993 First quarter 1994 Second quarter 1994 Third quarter 1994 Fourth quarter 1994 First quarter 1995 Second quarter 1995 Third quarter 1995 Fourth quarter 1995 First quarter 1996 Second quarter 1996 Third quarter 1996 Fourth quarter 1996 First quarter 1997 Second quarter 1997 Third quarter 1997 Fourth quarter 1997 First quarter 1998 Second quarter 1998 Third quarter 1998 Fourth quarter 1998 First quarter 1999 Second quarter 1999 Third quarter 1999 Fourth quarter 1999 First quarter 2000 Second quarter 2000 Third quarter 2000 Fourth quarter 2000 First quarter 2001 Second quarter 2001 Third quarter 2001 Fourth quarter 2001 First quarter 2002 Second quarter 2002 Third quarter 2002 Fourth quarter 2002 First quarter 2003 Second quarter 2003 Third quarter 2003 Fourth quarter 2003 First quarter 2004 Second quarter 2004 Third quarter 2004 Fourth quarter 2004 First quarter 2005 Second quarter 2005 Third quarter 2005 Fourth quarter 2005 First quarter 2006 Second quarter 2006 Third quarter 2006 Fourth quarter 2006 First quarter 2007 Second quarter 2007 Third quarter 2007 Fourth quarter 2007 First quarter 2008 Second quarter 2008 Third quarter 2008 Fourth quarter 2008 First quarter 2009 Second quarter 2009 Third quarter 2009 Fourth quarter 2009 First quarter 2010 Second quarter 2010 Third quarter 2010 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009

Source: Statistics Canada, National Income and Expenditure Accounts: Data tables, catalogue number 13-019-X.
Not seasonally adjusted
Debt service ratio (DSR) (percent)
 10.47 10.70 10.18 10.71 10.80 10.58 9.88 10.18 10.03 9.62 9.03 9.54 8.95 8.34 8.23 8.56 8.51 8.20 8.25 8.71 9.08 9.06 8.75 9.03 9.09 8.94 8.27 8.38 8.22 8.03 7.60 7.90 8.18 8.27 7.88 8.09 8.01 7.73 7.49 7.65 7.92 8.16 8.05 8.03 8.28 8.21 7.64 7.40 7.37 7.10 6.97 7.11 7.36 7.12 7.12 7.10 7.25 6.78 6.52 6.40 7.12 6.88 6.67 6.79 7.05 7.54 7.51 7.60 7.86 8.22 7.87 8.19 8.45 8.41 7.74 7.60 7.39 7.66 7.21 7.35 7.51 7.33 7.03 10.52 10.36 9.56 8.52 8.42 8.98 8.67 7.94 8.11 7.72 8.04 7.88 7.14 7.18 6.74 6.87 7.43 8.04 8.05 7.40
Interest paid
Mortgage interest paid (millions of dollars)
 6,717 6,875 7,157 7,406 7,432 7,458 7,638 7,842 7,441 7,450 7,623 7,769 7,097 7,149 7,192 7,161 7,035 6,852 7,153 7,340 7,383 7,396 7,556 7,564 7,397 7,259 7,328 7,283 6,935 6,827 6,946 6,907 6,794 6,697 7,014 7,090 6,526 6,424 6,518 6,629 6,612 6,816 7,119 7,195 7,220 7,048 7,190 7,051 7,018 6,708 6,919 6,992 7,051 6,996 7,267 7,116 7,316 7,067 7,153 7,007 7,387 7,294 7,599 7,719 7,800 8,394 8,751 8,899 8,977 9,469 9,875 10,284 10,275 10,210 10,410 9,801 9,371 9,560 9,848 9,752 9,622 9,574 9,662 28,155 30,370 30,283 28,599 28,380 29,899 29,267 27,615 27,595 26,097 27,742 28,509 27,637 28,430 28,543 29,999 33,844 38,605 40,696 38,531
Non-mortgage interest paid (millions of dollars)
 4,770 4,865 5,086 5,198 4,916 4,635 4,595 4,382 4,175 3,972 3,907 3,801 3,593 3,359 3,266 3,321 3,266 3,357 3,548 3,675 3,977 4,219 4,267 4,269 4,170 4,184 4,097 3,982 3,837 3,813 3,892 4,161 4,403 4,605 4,659 4,809 4,926 4,737 5,061 5,170 5,459 5,841 6,140 6,244 6,323 6,105 6,003 5,717 5,331 5,222 5,549 5,776 5,710 5,556 5,997 6,029 5,740 5,551 5,689 5,611 6,059 5,905 6,151 6,361 6,841 7,089 7,709 7,910 8,081 8,232 8,603 8,912 8,991 8,866 8,978 8,736 7,851 8,244 8,348 8,471 8,416 8,585 8,592 19,919 18,528 15,855 13,539 13,846 16,732 16,433 15,703 18,476 19,894 23,684 24,148 21,878 23,292 22,591 24,476 29,549 33,828 35,571 32,914
of which: consumer debt (including leases) (millions of dollars)
 4,162 4,246 4,455 4,581 4,398 4,090 4,075 3,889 3,758 3,555 3,487 3,369 3,221 2,990 2,895 2,961 2,903 2,983 3,184 3,303 3,548 3,788 3,828 3,831 3,781 3,812 3,711 3,599 3,483 3,450 3,510 3,768 3,930 4,133 4,179 4,334 4,486 4,251 4,578 4,688 4,963 5,317 5,612 5,712 5,822 5,605 5,486 5,227 4,958 4,859 5,177 5,403 5,292 5,123 5,569 5,601 5,375 5,193 5,327 5,244 5,682 5,527 5,760 5,954 6,373 6,601 7,199 7,402 7,542 7,669 8,020 8,305 8,342 8,322 8,367 8,287 7,444 7,766 7,889 8,007 7,992 8,148 8,122 17,444 16,452 14,169 12,067 12,373 14,995 14,903 14,211 16,576 18,003 21,604 22,140 20,397 21,585 21,139 22,923 27,575 31,536 33,318 31,106
Disposable income (millions of dollars)
 109,745 109,721 120,245 117,689 114,370 114,300 123,797 120,042 115,761 118,699 127,672 121,238 119,394 126,026 127,022 122,502 121,057 124,439 129,658 126,524 125,175 128,252 135,102 131,059 127,189 127,975 138,219 134,400 131,106 132,475 142,556 140,029 136,866 136,651 148,100 147,149 143,010 144,399 154,491 154,327 152,357 155,121 164,809 167,280 163,603 160,287 172,739 172,567 167,583 168,137 178,768 179,522 173,327 176,209 186,235 185,084 180,141 186,147 196,964 197,210 188,981 191,967 206,105 207,216 207,604 205,356 219,095 221,135 217,107 215,468 234,701 234,358 228,083 226,931 250,640 243,830 232,982 232,421 252,377 247,848 240,099 247,814 259,494 457,400 472,509 483,370 494,944 501,678 519,588 527,783 546,166 568,766 596,227 639,567 669,196 694,010 720,855 760,462 794,269 853,190 901,634 949,484 965,628
Mortgage debt service ratio (percent)
 6.12 6.27 5.95 6.29 6.50 6.52 6.17 6.53 6.43 6.28 5.97 6.41 5.94 5.67 5.66 5.85 5.81 5.51 5.52 5.80 5.90 5.77 5.59 5.77 5.82 5.67 5.30 5.42 5.29 5.15 4.87 4.93 4.96 4.90 4.74 4.82 4.56 4.45 4.22 4.30 4.34 4.39 4.32 4.30 4.41 4.40 4.16 4.09 4.19 3.99 3.87 3.89 4.07 3.97 3.90 3.84 4.06 3.80 3.63 3.55 3.91 3.80 3.69 3.73 3.76 4.09 3.99 4.02 4.13 4.39 4.21 4.39 4.50 4.50 4.15 4.02 4.02 4.11 3.90 3.93 4.01 3.86 3.72 6.16 6.43 6.27 5.78 5.66 5.76 5.55 5.06 4.86 4.38 4.34 4.27 3.99 3.95 3.76 3.78 3.97 4.28 4.29 3.99
Consumer debt service ratio (percent)
 3.79 3.87 3.70 3.89 3.85 3.58 3.29 3.24 3.25 2.99 2.73 2.78 2.70 2.37 2.28 2.42 2.40 2.40 2.46 2.61 2.83 2.95 2.83 2.92 2.97 2.98 2.68 2.68 2.66 2.60 2.46 2.69 2.87 3.02 2.82 2.95 3.14 2.94 2.96 3.04 3.26 3.43 3.41 3.41 3.56 3.50 3.18 3.03 2.96 2.89 2.90 3.01 3.05 2.91 2.99 3.03 2.98 2.79 2.70 2.66 3.01 2.88 2.79 2.87 3.07 3.21 3.29 3.35 3.47 3.56 3.42 3.54 3.66 3.67 3.34 3.40 3.20 3.34 3.13 3.23 3.33 3.29 3.13 3.81 3.49 2.94 2.44 2.47 2.88 2.83 2.60 2.92 3.02 3.38 3.32 2.94 3.00 2.78 2.89 3.23 3.50 3.52 3.23
Mortgage and consumer debt service ratio (percent)
 9.91 10.14 9.66 10.19 10.34 10.10 9.46 9.77 9.67 9.27 8.70 9.19 8.64 8.05 7.94 8.26 8.21 7.90 7.97 8.41 8.73 8.72 8.43 8.69 8.79 8.65 7.99 8.10 7.95 7.76 7.33 7.62 7.84 7.93 7.56 7.76 7.70 7.39 7.18 7.33 7.60 7.82 7.72 7.72 7.97 7.89 7.34 7.11 7.15 6.88 6.77 6.90 7.12 6.88 6.89 6.87 7.05 6.59 6.34 6.21 6.92 6.68 6.48 6.60 6.83 7.30 7.28 7.37 7.61 7.95 7.62 7.93 8.16 8.17 7.49 7.42 7.22 7.45 7.03 7.17 7.34 7.15 6.85 9.98 9.92 9.21 8.22 8.12 8.64 8.38 7.67 7.77 7.40 7.72 7.58 6.93 6.94 6.55 6.67 7.20 7.78 7.81 7.22
Seasonally adjusted
Debt service ratio (DSR) (percent)
 10.21 10.64 10.56 10.63 10.68 10.36 10.21 10.15 9.88 9.58 9.36 9.36 8.70 8.55 8.40 8.41 8.33 8.29 8.47 8.57 8.88 9.06 9.02 8.94 8.87 8.84 8.60 8.33 8.03 7.89 7.86 7.95 8.01 8.09 8.15 8.15 7.87 7.61 7.67 7.71 7.76 8.08 8.19 8.13 8.12 8.05 7.80 7.51 7.18 7.05 7.09 7.22 7.10 7.16 7.23 7.21 6.98 6.78 6.63 6.53 6.91 6.83 6.81 6.88 7.04 7.38 7.58 7.70 7.75 7.98 8.07 8.34 8.24 8.18 8.06 7.72 7.33 7.44 7.42 7.42 7.41 7.19 7.18 10.51 10.35 9.55 8.52 8.42 8.98 8.66 7.93 8.10 7.72 8.04 7.87 7.14 7.18 6.73 6.86 7.43 8.04 8.05 7.40
Interest paid
Mortgage interest paid (millions of dollars)
 27,248 27,888 28,464 29,020 30,108 30,260 30,360 30,752 30,084 30,256 30,288 30,504 28,632 29,056 28,556 28,152 28,348 27,868 28,396 28,908 29,728 30,092 29,956 29,820 29,768 29,540 29,036 28,724 27,920 27,784 27,512 27,244 27,364 27,240 27,772 28,004 26,232 26,132 25,796 26,228 26,504 27,736 28,188 28,540 28,836 28,672 28,480 28,048 27,940 27,284 27,428 27,896 27,988 28,468 28,816 28,448 29,000 28,764 28,376 28,032 29,328 29,688 30,228 30,752 31,968 33,352 34,496 35,560 36,576 37,888 39,128 40,828 41,428 41,456 40,672 39,228 38,484 38,132 38,736 38,772 39,000 38,552 38,028 28,155 30,370 30,283 28,599 28,380 29,899 29,267 27,615 27,595 26,097 27,742 28,509 27,637 28,430 28,543 29,999 33,844 38,605 40,696 38,531
Non-mortgage interest paid (millions of dollars)
 19,180 19,804 20,228 20,464 19,752 18,832 18,264 17,264 16,760 16,100 15,544 15,016 14,420 13,564 13,012 13,160 13,112 13,504 14,164 14,604 15,976 16,900 17,064 16,988 16,748 16,724 16,396 15,864 15,408 15,232 15,576 16,596 17,660 18,440 18,624 19,180 19,756 19,032 20,188 20,600 21,892 23,612 24,408 24,824 25,356 24,772 23,760 22,704 21,340 21,296 21,904 22,972 22,792 22,700 23,636 24,040 22,804 22,688 22,416 22,456 24,228 24,104 24,380 25,192 27,396 28,864 30,528 31,408 32,388 33,488 34,056 35,380 36,088 36,048 35,520 34,628 31,580 33,532 33,008 33,536 33,956 34,708 34,028 19,919 18,528 15,855 13,539 13,846 16,732 16,433 15,703 18,476 19,894 23,684 24,148 21,878 23,292 22,591 24,476 29,549 33,828 35,571 32,914
of which: consumer debt (including leases) (millions of dollars)
 16,580 17,316 17,752 18,128 17,524 16,652 16,228 15,404 14,980 14,432 13,884 13,380 12,860 12,080 11,532 11,796 11,612 11,992 12,708 13,180 14,224 15,156 15,312 15,288 15,176 15,216 14,864 14,356 13,988 13,764 14,060 15,032 15,768 16,528 16,728 17,280 17,988 17,072 18,288 18,664 19,896 21,496 22,344 22,680 23,340 22,772 21,756 20,692 19,888 19,864 20,508 21,328 21,268 20,984 22,044 22,044 21,592 21,272 21,076 20,616 22,700 22,608 22,860 23,524 25,592 26,940 28,492 29,276 30,300 31,244 31,728 32,872 33,508 33,840 33,096 32,828 29,916 31,556 31,224 31,728 32,152 32,900 32,236 17,444 16,452 14,169 12,067 12,373 14,995 14,903 14,211 16,576 18,003 21,604 22,140 20,397 21,585 21,139 22,923 27,575 31,536 33,318 31,106
Disposable income (millions of dollars)
 454,660 448,040 461,276 465,624 466,912 473,812 476,032 473,280 473,920 483,716 489,444 486,400 495,108 498,468 495,116 491,084 497,640 498,828 502,640 507,604 514,484 518,800 521,364 523,704 524,192 523,252 528,308 535,380 539,676 545,188 548,376 551,424 562,176 564,392 569,368 579,128 583,976 593,736 599,916 607,280 623,656 635,664 642,172 656,776 667,516 663,872 669,772 675,624 686,216 689,240 696,156 704,428 715,632 714,876 724,996 727,916 742,684 758,972 766,664 773,528 775,592 787,028 801,424 813,032 842,600 843,172 857,632 869,356 890,240 894,012 907,220 915,064 942,932 949,664 947,900 957,440 956,908 963,492 967,044 975,068 984,276 1,019,440 1,003,704 457,400 472,509 483,370 494,944 501,678 519,588 527,783 546,166 568,766 596,227 639,567 669,196 694,010 720,855 760,462 794,269 853,190 901,634 949,484 965,628
Mortgage debt service ratio (percent)
 5.99 6.22 6.17 6.23 6.45 6.39 6.38 6.50 6.35 6.25 6.19 6.27 5.78 5.83 5.77 5.73 5.70 5.59 5.65 5.69 5.78 5.80 5.75 5.69 5.68 5.65 5.50 5.37 5.17 5.10 5.02 4.94 4.87 4.83 4.88 4.84 4.49 4.40 4.30 4.32 4.25 4.36 4.39 4.35 4.32 4.32 4.25 4.15 4.07 3.96 3.94 3.96 3.91 3.98 3.97 3.91 3.90 3.79 3.70 3.62 3.78 3.77 3.77 3.78 3.79 3.96 4.02 4.09 4.11 4.24 4.31 4.46 4.39 4.38 4.30 4.10 4.02 3.96 4.01 3.97 3.96 3.78 3.79 6.15 6.43 6.27 5.78 5.66 5.76 5.55 5.06 4.86 4.38 4.34 4.26 3.98 3.94 3.75 3.78 3.97 4.28 4.29 3.99
Consumer debt service ratio (percent)
 3.65 3.86 3.85 3.89 3.75 3.51 3.41 3.25 3.16 2.98 2.84 2.75 2.60 2.42 2.33 2.40 2.33 2.40 2.53 2.60 2.76 2.92 2.94 2.92 2.90 2.91 2.81 2.68 2.59 2.52 2.56 2.73 2.80 2.93 2.94 2.98 3.08 2.88 3.05 3.07 3.19 3.38 3.48 3.45 3.50 3.43 3.25 3.06 2.90 2.88 2.95 3.03 2.97 2.94 3.04 3.03 2.91 2.80 2.75 2.67 2.93 2.87 2.85 2.89 3.03 3.20 3.32 3.37 3.40 3.49 3.50 3.60 3.56 3.57 3.50 3.44 3.14 3.28 3.23 3.25 3.27 3.23 3.21 3.81 3.48 2.93 2.44 2.47 2.89 2.83 2.60 2.91 3.02 3.38 3.31 2.94 3.00 2.78 2.89 3.23 3.50 3.52 3.23
Mortgage and consumer debt service ratio (percent)
 9.64 10.09 10.02 10.13 10.20 9.90 9.79 9.75 9.51 9.24 9.02 9.02 8.38 8.25 8.10 8.13 8.03 7.99 8.18 8.29 8.54 8.72 8.68 8.61 8.57 8.55 8.31 8.05 7.77 7.62 7.58 7.67 7.67 7.75 7.82 7.82 7.57 7.28 7.35 7.39 7.44 7.74 7.87 7.80 7.82 7.75 7.50 7.21 6.97 6.84 6.89 6.99 6.88 6.92 7.02 6.94 6.81 6.59 6.45 6.29 6.71 6.64 6.62 6.68 6.83 7.15 7.34 7.46 7.51 7.73 7.81 8.06 7.96 7.94 7.80 7.54 7.16 7.24 7.24 7.23 7.23 7.01 7.00 9.97 9.91 9.20 8.22 8.12 8.64 8.37 7.66 7.77 7.40 7.71 7.57 6.92 6.94 6.54 6.66 7.20 7.78 7.81 7.22
Date Modified: 2010-11-30

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