Borrowing in Notre-Dame-de-Ham, Quebec

With 414 residents counted in the 2021 Census, Notre-Dame-de-Ham sits inside Quebec's provincial lending framework.

The Quebec rules that apply

Provincial or territorial law decides who may lend in Quebec, and the Financial Consumer Agency of Canada publishes the list that names the regulator responsible.

The federal Payday Lending Regulations (SOR/2024-114) are explicit that Quebec does not license payday lending, which changes which rules a short-term advance falls under.

The lowest band groups villages, rural municipalities and small towns, all read against the same provincial rulebook.

How borrowing works locally

A mortgage is registered against the property, which is what gives the lender its claim.

A payday advance is repaid on a pay date, while an instalment loan is repaid over a set number of payments. A provincial regulator publishes licensing requirements, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

The census figures for Notre-Dame-de-Ham

The 2021 Census counted 414 residents in Notre-Dame-de-Ham. The community covers 31.1 square kilometres of land.

The calculated density is 13.3 people per square kilometre.

Its provincial population rank is 980 within this data set.

The place record for Notre-Dame-de-Ham covers 31.1 square kilometres and 414 residents, a density of 13.3 people per square kilometre.

Products compared here

The site describes 20 products in total; the two below are representative of the range.

• Home equity loans: Converting property equity into credit, and the difference between a lump sum and a revolving limit.
• Payday loans: Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit.

Notre-Dame-de-Ham appears in the census record with 414 residents, and the density of 13.3 people per square kilometre follows from it.

For Notre-Dame-de-Ham, the two census fields above are the only local statistics used anywhere on the page.

Notre-Dame-de-Ham sits at rank 980 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

The Notre-Dame-de-Ham page follows the same structure as every other place page, with population, land area, density and rank.

At 414 residents in the 2021 Census, Notre-Dame-de-Ham is listed alongside the other covered places in Quebec.

The density figure for Notre-Dame-de-Ham, 13.3 people per square kilometre, is calculated from the population and land area above.

Nothing on the Notre-Dame-de-Ham page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

Where a figure for Notre-Dame-de-Ham could not be verified, the page names the publisher instead of printing a number.

The land area recorded for Notre-Dame-de-Ham is 31.1 square kilometres, and the population is 414 residents in the 2021 Census.

Notre-Dame-de-Ham is one of 1150 covered Quebec places, counted at 414 residents with a land area of 31.1 square kilometres.

Readers comparing Notre-Dame-de-Ham with another community can use the same four census fields.

Notre-Dame-de-Ham ranks 980 by 2021 Census population among the covered places in Quebec.

loanmoose.ca is not a lender and does not make credit decisions. The lowest rates are only available to the most qualified applicants.

Population and land area figures come from Statistics Canada's 2021 Census of Population; regulatory statements are attributed to the federal Payday Lending Regulations (SOR/2024-114).

The provincial rules apply wherever a borrower is in Quebec; a municipal boundary does not change them.