State Treasury Educational Institution of Higher Education
Moscow, Moscow, Russian Federation
In the conditions of political instability and hybrid wars, maintaining a high standard of living of the population is one of the most difficult tasks of the state at the present stage. Canada, as one of the countries applying large-scale sanctions against Russia, is of interest for assessing economic growth in the country and studying the quality of life of its citizens. The purpose of the study is to analyze the average cost of real estate owned by Canadian households, as well as the costs of its maintenance, and to identify existing risks in the real estate market. When carrying out the analysis, differentiation was made by geographic location, that is, by provinces of Canada. The volume of mortgage loans in dynamics for 2000-2023 was also considered. According to the results of the study, it was revealed that the cost of real estate of citizens in Canada directly depends on the geographic location. In the northern territories, its cost is lower, and the costs of its maintenance are higher, which reflects a certain inverse relationship between them. The most popular way for the population to acquire real estate is mortgage lending, the volume of which in real prices for 2000-2023 increased more than three times, that is, a high dependence of real estate acquisition on lending was revealed. Due to the lack of mandatory mortgage insurance, only 25% of mortgages are insured, reflecting the high risk of loan default. Taken together, the high volume of mortgage lending and the low level of mortgage insurance reflect the vulnerability of the Canadian housing market and its dependence on the current economic situation.
personal income, consumer spending, real estate, mortgage lending, provinces of Canada, housing maintenance costs
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