Indebtedness and financial vulnerability among families of immigrants and Canadian-born people / by Jianwei Zhong, Stéphane Arabackyj, Max Stick, Feng Hou and Christoph Schimmele. : CS36-28-0001/2026-10-1E-PDF

"Family indebtedness in Canada has risen over the past decade, while immigration has become the principal driver of population and labour force growth. Although previous research has examined wealth accumulation among immigrants, less is known about their indebtedness and financial vulnerability in the post-2016 period. … The study uses data from the 2016, 2019 and 2023 Survey of Financial Security. It compares indebtedness among recent immigrant families, established immigrant families and Canadian-born families at comparable stages of the life cycle. Measures include total debt and its components, the debt-to-income and debt-to-asset ratios, indebtedness excluding mortgage debt, short-term credit behaviour, and the prevalence of having no financial wealth. …"--Abstract, page 1.

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