| 1 | A | B | C | D |
| --- | --- | --- | --- | --- |
| 2 | predicted probability to have skipped or delayed a payment, or to have used a payday loan, by category of debt-to-asset ratio and other characteristics, 2016 |  |  |  |
| 3 |  | non-mortgage payment skipped or delayed in the past year | mortgage payment skipped or delayed in the past year | payday loan used in past three years |
| 4 |  | predicted probability |  |  |
| 5 | debt-to-asset ratio category |  |  |  |
| 6 | up to 0.25 | 0.080 | 0.016 | 0.027 |
| 7 | above 0.25 and up to 0.50 | 0.122 | 0.042 | 0.031 |
| 8 | above 0.50 | 0.128 | 0.073 | 0.060 |
| 9 | age group of main income earner |  |  |  |
| 10 | 15 to 34 years | 0.114 | 0.020 | 0.034 |
| 11 | 35 to 44 years | 0.105 | 0.039 | 0.037 |
| 12 | 45 to 54 years | 0.125 | 0.042 | 0.047 |
| 13 | 55 to 64 years | 0.099 | 0.081 | 0.042 |
| 14 | over 64 years | 0.062 | 0.041 | 0.040 |
| 15 | family type |  |  |  |
| 16 | unattached | 0.110 | 0.045 | 0.024 |
| 17 | couple with no children | 0.083 | 0.024 | 0.035 |
| 18 | couple with children | 0.106 | 0.040 | 0.041 |
| 19 | lone parent | 0.121 | 0.094 | 0.084 |
| 20 | "other" family types | 0.116 | 0.045 | 0.063 |
| 21 | education of main income earner |  |  |  |
| 22 | less than high school | 0.112 | 0.054 | 0.075 |
| 23 | high school | 0.117 | 0.038 | 0.048 |
| 24 | some postsecondary | 0.121 | 0.046 | 0.041 |
| 25 | university diploma or degree | 0.079 | 0.033 | 0.016 |
| 26 | income group |  |  |  |
| 27 | first quintile | 0.128 | 0.068 | 0.037 |
| 28 | second quintile | 0.134 | 0.038 | 0.046 |
| 29 | third quintile | 0.097 | 0.048 | 0.038 |
| 30 | fourth quintile | 0.095 | 0.041 | 0.038 |
| 31 | fifth quintile | 0.051 | 0.022 | 0.033 |
| 32 | region |  |  |  |
| 33 | atlantic | 0.073 | 0.043 | 0.038 |
| 34 | quebec | 0.136 | 0.034 | 0.014 |
| 35 | ontario | 0.096 | 0.032 | 0.046 |
| 36 | prairies | 0.106 | 0.068 | 0.056 |
| 37 | british columbia | 0.091 | 0.039 | 0.044 |
| 38 | sex of main income earner |  |  |  |
| 39 | male | 0.107 | 0.042 | 0.040 |
| 40 | female | 0.103 | 0.038 | 0.037 |
| 41 | home ownership status |  |  |  |
| 42 | own without mortgage | 0.078 | .. | 0.017 |
| 43 | own with mortgage | 0.085 | .. | 0.019 |
| 44 | do not own | 0.140 | .. | 0.082 |

Question: by what percentage would families with a debt-to-asset ratio above 0.5 miss a non-mortagage payment?
Answer: 0.128

Question: by what percentage would families with a debt-to-asset ratio above 0.25 and up to 0.50 miss a non-mortagage payment?
Answer: 0.122

Question: by what percentage would families with a debt-to-asset ratio equal to or below 0.25 miss a non-mortagage payment?
Answer: 0.08

Question: by what percentage would families owned their principal residence without mortgage miss a non-mortgage payment?
Answer: 0.078

Question: by what percentage would families who did not own their principal residence miss a non-mortgage payment?
Answer: 0.14

Question: by what percentage would families in the lowest income quintile skip or delay a non-mortgage payment?
Answer: 0.128

Question: by what percentage would families in the fourth income quintile skip or delay a non-mortgage payment?
Answer: 0.095

Question: by what percentage would families in the fifth income quintile skip or delay a non-mortgage payment?
Answer: 0.051

Question: by what percentage would families where the major income earner was aged 65 or over miss non-mortgage payment?
Answer: 0.062

Question: by what percentage would families where the major income earner was aged 45 to 54 miss non-mortgage payment?
Answer: 0.125

Question: which kind of income earner were less likely to miss non-mortgage payments, university degree holders or high school diploma holders?
Answer: university diploma or degree

Question: by what percentage would families in quebec skip or delay non-mortgage payment?
Answer: 0.136

Question: by what percentage would families in ontario skip or delay non-mortgage payment?
Answer: 0.096

Question: by what percentage would those in the lowest debt-to-asset ratio skip or delay a mortgage payment?
Answer: 0.016

Question: by what percentage would those with debt-to-asset ratios above 0.50 skip or delay a mortgage payment?
Answer: 0.073

Question: which family type had a higher probability of missing a mortgage payment, lone-parent families or couples without children?
Answer: lone parent

Question: among all age groups of main income earner, which group was most likely to miss a mortgage payment?
Answer: 55 to 64 years

Question: which age group of main income earner was less likely to miss a mortgage payment, families where the major income earner was 15 to 34 years old or families where the major income earner was 45 to 54 years old?
Answer: 15 to 34 years

Question: which income group had a lower probability of missing a mortgage payment, families in the top income quintile (the fifth) or families in the bottom income quintile(the first)?
Answer: fifth quintile

Question: regionally, which group of families were more likely to miss mortgage payment, families in the prairies or families in ontario?
Answer: prairies