CMHC秋季报告：加拿大安大略省房贷拖欠率升至0.32%，预计2027年6月达0.44%
加拿大安大略省多伦多地区，加拿大按揭与住房公司（CMHC）10月27日发布《2026年秋季住宅按揭行业报告》。报告显示，安大略省逾期90天以上的房贷拖欠率在2026年第二季度升至0.32%，高于一年前的0.21%，也远高于2021至2022年0.06%的低点。
其他省份方面，卑诗省的拖欠率为0.26%，阿尔伯塔省为0.27%，魁北克省为0.19%。多伦多地区的拖欠率为0.33%，高于一年前的0.24%，压力主要集中在大多伦多—哈密尔顿地区和安大略省西南部。
CMHC预计，安大略省的拖欠率将从2026年6月的0.33%继续升至2027年6月的0.44%，涨幅为全国各省中最大。与此同时，大多伦多—哈密尔顿地区私人放贷机构的贷款余额中，逾期90天以上的比例在2026年初升至11.1%，而2023年末仅为3.0%；私人放贷约占当地房贷余额的1.8%。
这里的拖欠率指还款逾期90天以上的房贷所占比例。
CMHC Fall Report: Ontario Mortgage Arrears Rise to 0.32% and Are Forecast to Reach 0.44% by June 2027
Toronto area, Ontario, Canada. Canada Mortgage and Housing Corporation (CMHC) released its Fall 2026 Residential Mortgage Industry Report on October 27. The report shows Ontario's mortgage arrears rate, loans 90 or more days past due, rose to 0.32% in the second quarter of 2026, up from 0.21% a year earlier and well above the 0.06% low of 2021-22.
Elsewhere, the arrears rate was 0.26% in British Columbia, 0.27% in Alberta and 0.19% in Quebec. The Toronto-area rate was 0.33%, up from 0.24% a year earlier, with pressure concentrated in the Greater Toronto-Hamilton Area and southwestern Ontario.
CMHC forecasts Ontario's arrears rate will keep rising, from 0.33% in June 2026 to 0.44% by June 2027, the largest increase of any province. In the Greater Toronto-Hamilton Area, 11.1% of private-lender mortgage balances were 90 or more days past due in early 2026, up from 3.0% in late 2023; private lenders account for about 1.8% of balances in the area.
The arrears rate measures the share of mortgages with payments 90 or more days past due.
来源：加拿大按揭与住房公司
发布：GSM·美国（发布链接）
图片来源：图：安大略省 Markham 郊区住宅区航拍（资料图）。IDuke 摄，CC BY-SA 2.5，取自 Wikimedia Commons。 / Photo: An aerial view of a suburban neighbourhood in Markham, Ontario (file photo). By IDuke, CC BY-SA 2.5, via Wikimedia Commons.
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