jesseps Posté(e) 16 février 2010 Partager Posté(e) 16 février 2010 OTTAWA - A new study on Canadian family finances says the average household debt climbed to $96,000 last year. That puts the debt-to-income ratio at 145 per cent - the highest level ever recorded by the annual study, now in its 11th year. The study conducted for the Vanier Institute of the Family also found there was a dramatic increase in late debt payments. The number of mortgage payments that were at least 90 days late was up 50 per cent compared with 2008. There was also a 40 per cent increase in the number of credit card holders who were at least three months behind in their payments. (Courtesy of The Canadian Press via. Canadian Business) Citer Lien vers le commentaire Partager sur d’autres sites More sharing options...
JCC-Fromthere Posté(e) 16 février 2010 Partager Posté(e) 16 février 2010 (Courtesy of The Canadian Press via. Canadian Business) Il semble que le 'net woth' est aussi relativement eleve. Le rapport se trouve ici: http://www.vifamily.ca/library/cft/famfin09.pdf Citer Lien vers le commentaire Partager sur d’autres sites More sharing options...
GDS Posté(e) 16 février 2010 Partager Posté(e) 16 février 2010 Since mortgages are included - its not that high Citer Lien vers le commentaire Partager sur d’autres sites More sharing options...
Malek Posté(e) 16 février 2010 Partager Posté(e) 16 février 2010 Mortgages are included?? wow I'm way above that lol Citer Lien vers le commentaire Partager sur d’autres sites More sharing options...
GDS Posté(e) 16 février 2010 Partager Posté(e) 16 février 2010 Mortgages are included?? wow I'm way above that lol That's normal - you bought a house in the last few years. I am almost double the average. Citer Lien vers le commentaire Partager sur d’autres sites More sharing options...
Habsfan Posté(e) 16 février 2010 Partager Posté(e) 16 février 2010 Since mortgages are included - its not that high Are you sure about that? Cause if it's the case, then I'd say 96,000$ is not much! I'm at twice that amount! Citer Lien vers le commentaire Partager sur d’autres sites More sharing options...
GDS Posté(e) 16 février 2010 Partager Posté(e) 16 février 2010 Are you sure about that? Cause if it's the case, then I'd say 96,000$ is not much! I'm at twice that amount! Ya - ofcourse I'm sure. I read the report. 96,080 (total debt) = 27,250 (consumer credit) + 59,920 (mortgage) + 8,910 (other) Other includes mortgages on non-residential buildings, small business lines of credit, etc. Citer Lien vers le commentaire Partager sur d’autres sites More sharing options...
MTLskyline Posté(e) 16 février 2010 Partager Posté(e) 16 février 2010 I don't look forward to going into debt when I buy my first house or condo in a few years... I absolutely hate the thought of owing people a large amount of money. If only there were another way... Citer Lien vers le commentaire Partager sur d’autres sites More sharing options...
Habsfan Posté(e) 16 février 2010 Partager Posté(e) 16 février 2010 (modifié) I don't look forward to going into debt when I buy my first house or condo in a few years... I absolutely hate the thought of owing people a large amount of money. If only there were another way... Yeah, but you have to make sure that the debt you have is on things that will retain their value or even increase in Value (ie: House, Condo, Appartement building, Chalet) and not on everyday expenses like the groceries, credit cards, clothes etc. You might have a 170,000$ mortgage on your home, but if your house is worth 185,000$ then you are golden!!! Modifié 16 février 2010 par Habsfan Citer Lien vers le commentaire Partager sur d’autres sites More sharing options...
helios_the_powerful Posté(e) 16 février 2010 Partager Posté(e) 16 février 2010 You could also live in an appartment for a reasonnable price to pile up some money during 15 years and then buy something cash. Unless you plan to sell your house when you retire or use it as a guarantee to get more credit, both will eventually cost you about the same. You get your house later though... Citer Lien vers le commentaire Partager sur d’autres sites More sharing options...
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