SUMMARY OUTPUT

Regression Statistics
Multiple R 0.579472069095796
R Square 0.335787878862163
Adjusted R Square 0.298887205465616
Standard Error 31257.9129921281
Observations 20

ANOVA
df SS MS F Significance F
Regression 1 8.89E+09 8.89E+09 9.099776 0.007413
Residual 18 1.76E+10 9.77E+08
Household Debt
Total
Service Ratio, by 19 2.65E+10
Region
(Interest payments Coefficients Standard Error t Stat P-value Lower 95%
as a % of household
Intercept 353892.778537492 68655.95 5.154583 6.652E-05 209652
disposable income,
adjusted for
consumer credit) -23957.0207601735 7941.773 -3.016584 0.007413 -40642.07

RESIDUAL OUTPUT PROBABILITY OUTPUT

Observation Predicted Average Houseold Income CAD Residuals

Standard Residuals Percentile
1 111687.298652138 -17225.3 -0.566171 2.5
2 131332.05567548 -34097.06 -1.120721 7.5
3 155049.506228052 -53897.51 -1.771533 12.5
4 151935.09352923 -47466.09 -1.560142 17.5
5 155049.506228052 -43985.51 -1.44574 22.5
6 148341.540415204 -30078.54 -0.988638 27.5
7 132769.476921091 -4025.477 -0.132312 32.5
8 113124.719897748 24248.28 0.797006 37.5
9 110249.877406528 31784.12 1.044698 42.5
10 131571.625883082 8910.374 0.292871 47.5
11 139477.442733939 5256.557 0.172775 52.5
12 141633.574602355 10657.43 0.350294 57.5
13 151935.09352923 6285.906 0.206609 62.5
14 157924.348719273 8356.651 0.274671 67.5
15 169184.148476555 3656.852 0.120195 72.5
16 179725.237611031 1957.762 0.064349 77.5
17 181402.229064243 5597.771 0.183991 82.5
18 180443.948233836 17821.05 0.585752 87.5
19 160080.480587689 43739.52 1.437655 92.5
20 154330.795605247 62503.2 2.05439 97.5
 Household Debt Service Ratio, by Region
(Interest payments as a % of household dispo
adjusted for consumer credit) Residual Plot
80000
60000
40000

Residuals
Significance F 20000
0
7.0 7.5 8.0 8.5 9.0 9.5
-20000
-40000
Upper 95%Lower 95.0%
Upper 95.0% -60000
498133.6 209652 498133.6
Household Debt Service Ratio, by Region
(Interest payments as a % of household disposable income, adjusted fo
-7271.976 -40642.07 -7271.976

Household Debt Service Ratio, by Region

(Interest payments as a % of household disposable income, adjusted for cons

PROBABILITY OUTPUT
250,000
Average Houseold Income CAD

Average Houseold Income CAD 200,000

94462
97235 150,000
101152
100,000
104469
111064 50,000
118263
128744 0
137373 7.0 7.5 8.0 8.5 9.0 9.5
140482 Household Debt Service Ratio, by Region
(Interest payments as a % of household disposable income, adjusted for consumer credit)
142034
144734
152291
158221 Normal Probability Plot
Average Houseold Income CAD

166281
172841 250000
200000
181683 150000
187000 100000
198265 50000
0
203820
0 20 40 60 80 100 120
216834
Sample Percentile
tio, by Region
f household disposable income,
dit) Residual Plot

8.5 9.0 9.5 10.0 10.5

ion
old disposable income, adjusted for consumer credit)

posable income, adjusted for consumer credit) Line Fit Plot

Average
Houseold
Income CAD

Predicted
Average
Houseold
Income CAD

5 9.0 9.5 10.0 10.5

posable income, adjusted for consumer credit)

lot

100 120
SUMMARY OUTPUT

Regression Statistics
Multiple R 0.892156700187
R Square 0.795943577688
Adjusted R Square 0.784607109782
Standard Error 17325.33790281
Observations 20

ANOVA
df SS MS F Significance F
Regression 1 2.11E+10 2.11E+10 70.2109 1.259E-07
Residual 18 5.4E+09 3E+08
Total 19 2.65E+10

Coefficients Standard Error t Stat P-value Lower 95%Upper 95%

Intercept -20339.00797184 20444.11 -0.994859 0.332992 -63290.49 22612.48
Mortgage interest paid (CAD Millions) 24.29795924446 2.899797 8.379194 1.259E-07 18.20571 30.39021

RESIDUAL OUTPUT PROBABILITY OUTPUT

Observation Predicted Average Houseold Income

Residuals
Standard
CAD Residuals Percentile
Average Houseold Income CAD
1 110019.5433747 -15557.54 -0.922571 2.5 94462
2 104260.9270338 -7025.927 -0.416641 7.5 97235
3 100446.1474324 705.8526 0.041857 12.5 101152
4 103580.5841749 888.4158 0.052684 17.5 104469
5 103580.5841749 7483.416 0.443771 22.5 111064
6 114854.8372644 3408.163 0.202106 27.5 118263
7 134852.0577226 -6108.058 -0.362211 32.5 128744
8 160680.7883994 -23307.79 -1.382165 37.5 137373
9 167557.1108656 -25523.11 -1.513535 42.5 140482
10 158469.6741082 -17987.67 -1.066679 47.5 142034
11 159781.7639074 -15047.76 -0.892341 52.5 144734
12 162381.6455465 -10090.65 -0.598381 57.5 152291
13 158736.9516599 -515.9517 -0.030596 62.5 158221
14 163329.2659571 2951.734 0.175039 67.5 166281
15 157230.4781867 15610.52 0.925713 72.5 172841
16 151277.4781718 30405.52 1.803065 77.5 181683
17 154970.767977 32029.23 1.899352 82.5 187000
18 168334.6455614 29930.35 1.774887 87.5 198265
19 199581.8211498 4238.179 0.251326 92.5 203820
20 223320.9273316 -6486.927 -0.384678 97.5 216834
 Mortgage interest paid (CAD Norm

Average Houseold Income CAD

Millions) Residual Plot 250000
40000 200000
150000

Residuals
20000 100000
0 50000
4,000.0
-20000 6,000.0 8,000.0 10,000.0 12,000.0 0
-40000 0
Mortgage interest paid (CAD Millions)

Mortgage interest paid (CAD Millions) Line F

Lower 95.0%
Upper 95.0%
-63290.49 22612.48 250,000
Av
18.20571 30.39021 Ho
Average Houseold Income CAD

200,000 Inc
Lin
150,000 Ho
Inc
ITY OUTPUT
100,000 Pre
Av
Houseold Income CAD Ho
Inc
50,000

0
4,000.0 5,000.0 6,000.0 7,000.0 8,000.0 9,000.0 10,000.0 11,000.0
Mortgage interest paid (CAD Millions)
 Normal Probability Plot
Average Houseold Income CAD

250000
200000
150000
100000
50000
0
0 20 40 60 80 100 120
Sample Percentile

AD Millions) Line Fit Plot

Average
Houseold
Income CAD
Linear (Average
Houseold
Income CAD)
Predicted
Average
Houseold
Income CAD

9,000.0 10,000.0 11,000.0

Millions)
Year Average Houseold Income CAD Savings rate (%) Mortgage interest paid (CAD Millions)
2000 94,462 0.9 5,365.0
2001 97,235 1.4 5,128.0
2002 101,152 1.2 4,971.0
2003 104,469 -0.6 5,100.0
2004 111,064 -1.1 5,100.0
2005 118,263 -1.5 5,564.0
2006 128,744 0.0 6,387.0
2007 137,373 -0.5 7,450.0
2008 142,034 -0.1 7,733.0
2009 140,482 -0.3 7,359.0
2010 144,734 -0.9 7,413.0
2011 152,291 -0.8 7,520.0
2012 158,221 -0.1 7,370.0
2013 166,281 1.9 7,559.0
2014 172,841 -0.1 7,308.0
2015 181,683 -0.6 7,063.0
2016 187,000 -2.1 7,215.0
2017 198,265 -1.6 7,765.0
2018 203,820 -4.2 9,051.0
2019 216,834 -1.9 10,028.0
Household Debt Service Ratio, by Region
(Interest payments as a % of household disposable income, adjusted for consumer credit)
10.1
9.3
8.3
8.4
8.3
8.6
9.2
10.1
10.2
9.3
9.0
8.9
8.4
8.2
7.7
7.3
7.2
7.2
8.1
8.3
 Household Income Vs Mortgage interest

250,000 12.0

10.0
200,000

8.0
150,000
6.0
100,000
4.0

50,000
2.0

0 0.0

Savings % Vs Mortgage Interest Paid

12.0

10.0

8.0

6.0

4.0

2.0

0.0
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
-2.0

-4.0

-6.0
 Household Debt and Savings

3.0 12.0

2.0
10.0
1.0
8.0
0.0

-1.0 6.0

-2.0
4.0
-3.0
2.0
-4.0

-5.0 0.0
 Correlation Model - Household Income Vs Interest Paid
12,000.0

10,000.0

8,000.0

6,000.0

4,000.0

2,000.0

0.0
80,000 100,000 120,000 140,000 160,000 180,000 200,000 220,000 240,000
Interest Paid

200,000 220,000 240,000