North American Product Classification System (NAPCS) Canada 2017 Version 1.0

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North American Product Classification System (NAPCS) Canada 2017 Version 1.0
Introduction
Hierarchical structure

761 - Financial services (except insurance)

This group comprises financial system regulatory services; account and cash management products; loans and other credit financing products; investment products; financial planning services and trust products for individuals, businesses, institutions (except unincorporated) and governments; and products supporting financial services.

76131 - Loans

This class comprises loans that represent the direct lending of funds under legal contract, either unsecured or secured by the assets being financed or by other assets, but without the exchange or the use of securities as collateral.

761313 - Loans to households

This subclass comprises loans to households.

7613131 - Residential mortgage loans

Mortgage loans provided to owner-occupiers, secured by residential real property.

  • Illustrative example(s)

    • first residential mortgage loans
    • second or junior residential mortgage loans

    All examples

7613132 - Home equity loans

Loans and lines of credit secured by the equity of a borrower's residence.

  • Illustrative example(s)

    • home equity line of credit

    All examples

7613133 - Secured home loans (except residential mortgage and home equity loans) to households

Secured or guaranteed home loans to households, except residential mortgage and home equity loans.

All examples

7613134 - Vehicle loans to households

Loans to households for purchasing automobiles and other vehicles, secured by the vehicle.

  • Illustrative example(s)

    • automobile or car loans to households for non-business purposes
    • light truck loans to households for non-business purposes
    • loans to consumers to purchase boats, secured by the boat
    • motorcycle loans to households

    All examples

7613135 - Other secured consumer loans to households, n.e.c.

Other secured loans to households, n.e.c.

  • Illustrative example(s)

    • government-guaranteed student loans
    • insurance premium financing of personal insurance policies

    All examples

7613136 - Unsecured loans to households

Loans and lines of credit, not secured by collateral, for personal uses.

  • Illustrative example(s)

    • overdraft protection services to individuals
    • payday loans
    • personal unsecured line of credit loans
    • unsecured home improvement loans

    All examples

  • Exclusion(s)

    • credit provided by credit cards to consumers (See 7614112 Credit card cardholder products to consumers)
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