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The following chart shows average non mortgage debt per borrower

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canadian goose jacket The other is a West Coast city largely known for its laid back nature, whose waterfronts are lined with shiny condo buildings and which hosts a major annual event known largely for a haze of pot smoke.But there is one trait that they share: they are the two major cities in which Canadians have accrued, on average, the highest levels of non mortgage consumer debt.They neck and neck for the title, and one has quickly caught up to the other in the past few quarters, according to a report released Thursday.The following chart shows average non mortgage debt per borrower, by Canadian city, according canada goose outlet store uk to TransUnion:Calgarians held an average non mortgage debt balance of $28,646 in the third quarter, said an Insights report by consumer credit reporting agency TransUnion.Vancouverites were close to that number with an average non mortgage debt balance of $28,618 in the same quarter.Both figures cheap canada goose uk were the highest they been in two years; average debt balances kept growing in almost every canada goose outlet las vegas quarter during that time frame.But there are different reasons to explain the run up of debt in each city, Matt Fabian, TransUnion director of research and industry analysis, told Global News.High debt levels in Calgary are a symptom of a city that still recovering from low oil prices, he said.debt and delinquency rates, they tend to lag those economic events, Fabian said.you see the economy go down because of the oil crisis, and now Alberta recovering quite nicely from that and getting back to sort of old levels, but it takes a while for people to kind of pull themselves out.I think you still seeing a bit of lag effect in Alberta.though we looking at non mortgage debt, there still a mortgage effect to it in the sense that you only have a certain amount of disposable income, he said.lot more of your disposable income is going to cover that debt, or pay off that debt, and so there less for other things. And so you may be borrowing elsewhere to compensate for that. MORE: Canada accumulating private debt faster than any other advanced economyFabian raised the prospect of an individual who makes $100,000 per year, and who was paying 20 per cent of their income toward a mortgage.If this person were to buy a new home, it might end up taking a 28 to 30 per cent share of that income.That kind of a share would leave for anything else, so I might creep into debt canada goose outlet uk sale for that. canadian goose jacket

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