Borrowing in Saint-Raphaël, Quebec

This page covers borrowing in Saint-Raphaël, Quebec: the census facts, the provincial rules, and the products people compare.

How borrowing works locally

Joint applications combine two incomes and two sets of obligations in the same assessment.

A prepayment privilege allows a borrower to pay more than the scheduled amount, sometimes with a charge attached. A mortgage is registered against the property, which is what gives the lender its claim.

Products compared here

These are two of the 20 products described on the site, and each has a national page as well as the provincial rules.

• Mortgage loans: Borrowing against residential property, including how a federally regulated lender tests the file.
• Debt relief programs: The formal and informal routes out of unmanageable debt in Canada, and who is licensed to run them.

The census figures for Saint-Raphaël

Statistics Canada's 2021 Census gives Saint-Raphaël a population of 2,458. Statistics Canada lists 121.7 square kilometres of land for the community.

That gives a density of 20.2 people per square kilometre, rounded to one decimal place.

The community is the 341st largest place in the province within this census set.

Compared with the other 1150 covered Quebec places, Saint-Raphaël ranks 341 by population.

The Quebec rules that apply

Licensing for consumer credit in Quebec sits with the province or territory, and the Financial Consumer Agency of Canada maintains the public list of provincial and territorial regulators.

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.

At the small end of the census range, the community still borrows inside the province's licensing system.

Saint-Raphaël sits at rank 341 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

The Saint-Raphaël page follows the same structure as every other place page, with population, land area, density and rank.

Saint-Raphaël ranks 341 by 2021 Census population among the covered places in Quebec.

Saint-Raphaël is one of 1150 covered Quebec places, counted at 2,458 residents with a land area of 121.7 square kilometres.

At 2,458 residents in the 2021 Census, Saint-Raphaël is listed alongside the other covered places in Quebec.

Saint-Raphaël appears in the census record with 2,458 residents, and the density of 20.2 people per square kilometre follows from it.

For Saint-Raphaël, the two census fields above are the only local statistics used anywhere on the page.

The density figure for Saint-Raphaël, 20.2 people per square kilometre, is calculated from the population and land area above.

The land area recorded for Saint-Raphaël is 121.7 square kilometres, and the population is 2,458 residents in the 2021 Census.

Readers comparing Saint-Raphaël with another community can use the same four census fields.

Where a figure for Saint-Raphaël could not be verified, the page names the publisher instead of printing a number.

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).

Lending rules change, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position is confirmed.