快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

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Bank of Canada Interest Rate ( t# K+ O: t7 h: D' E' \7 f September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada ; b, x& i/ L! F1 Z0 |* x* jBank Prime Lending Rate 0 ^; R  A/ E" v! i  l/ j $ j/ S; ~- _8 c September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada Conventional Mortgage - 5 Year Rate* " i% Q3 |9 ~8 ?, I2 w: j September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 / r: c4 R' F# @3 \0 H, r8 [ 5.44 % 3 v7 D. Q0 ]# Z# ESource: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate , z! n' B! B& W / C+ o6 f0 [$ A, x5 |1 V4 D US Federal Reserve Board Discount Rate 3 X/ i) d9 E. ^( w/ b September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date * A$ F! U- \; E. QSource: US Federal Reserve 1 ]) k# R- T$ z! u  E" { ! x- u+ p1 W6 j. F8 D6 j9 J Exchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804   X; H* d- w% Z- F- K$ Z' Y9 `Source: Bank of Canada ! N- h1 F& b% K+ [+ n Government of Canada Bonds ( C: l8 D& U$ U3 |! ^+ j6 s . m8 p' B- t  S; x$ d! x' _+ \ Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill / K: G  c& ]: w 1.21% 1.27% 1.39% 3 year Benchmark 1 ^% f1 D9 d  xBond Yield 1.59% 1.73% 1.94% 5 year Benchmark Bond Yield 2.06% 2.20% 2.48% 10 year Benchmark % e: v! V; i1 ZBond Yield 2.89% 2.98% 3.19% 1 Z( D+ E, Q% [" DSource: Bank of Canada 4 J( E# Y- _3 e# N. Y ' B: c$ ~  ^) \3 d8 u* ^5 y2 e& t - Z% x+ I2 {) u# U# |7 C Total New Housing Starts (Seasonally adjusted and annualized) Province August & P& P# n6 o0 M1 L# i4 t  U* h* H2010 August " ~1 B7 W; o7 X. M; x% a2009 ! Q* z3 t# ~" H September 2010 September 2009 4 O3 H0 {$ s: q# F& | October ; G! D: \0 T! [0 ?& G0 _2010 October 8 v; i  k! q3 X0 U  t  v2009 ; s0 I1 g# O, F  r4 U Newfoundland/Labrador 3,500 3 Z1 s6 D% I3 A0 \8 T% b 2,400 ) p; R. o0 I& ]: h+ C% S6 s 3,100 , T" \) P- f: `, R 2,800 ; {& u0 V2 a' b) U 3,400 ) H7 e2 X/ b7 _# N. J8 T0 K 2,900 PEI 1,000 / y: i, x  x& B/ s# C- s/ K" H) u 1,000 $ I5 o5 H* n( ]9 L: R5 q8 Q 500 2 u2 C5 B% M& D- E; \; m 700 400 1,200 / k+ j" y7 A8 E5 C. S! w. y Nova Scotia 3,200 4,200 6 B! O+ |3 u) D( k8 j 4,100 4,500 + Y1 D# E# k/ r6 _( t# b$ |, h 4,700 4,000 ' S- T0 G3 a# k% W5 @+ \ New Brunswick 7 S" I0 Q3 }& Q; _0 g2 C 5,100 3,700 2,400 2,900 6 G; ]0 w; s/ C  a9 @3 w# [ 4,900 3,600 9 U1 P3 q4 A3 k/ J Quebec $ z5 a- M! A  s/ Y/ B 48,300 & |: T. w; A) n0 r0 h7 _# J 47,300 / p2 u$ A3 W  L) C; G 50,700 41,300 48,600 37,200 ! b+ K. W. Q4 f  R' O: e5 l/ s Ontario 64,800 44,200 58,000 " i8 F; m+ }/ { 50,200 44,700 57,600 Manitoba 6,100   y& s5 j$ L2 @3 z- P- ^2 S 5,000 * L. ^( V# l: }, b9 k 4,000 4,400 ( v6 g  J8 A6 a 3,800 * v( \  [6 b/ b; v# m* E 4,200 Saskatchewan 7,700 ) ~8 f- m: a9 F: \' M4 d5 y5 {% H 5,100 5,400 3,700 4,700 6 w& v, p5 T" D$ _' ^/ t, i* a6 h 3,600 Alberta 1 _7 ]% i+ L- X& K" M4 r 23,500 4 R. j8 z/ I6 j/ ~$ ` 18,400 27,100 22,600 9 y0 K: q* W" f. x 25,200 25,000 British Columbia ( ]$ n7 _0 u0 ~ 27,800 19,200 : n( L, V! E  {* J! S 29,700 6 I& c% z. ]; a0 f% N, u" y 16,200 27,500 & x% G# ?. I) l 18,200 CANADA 191,000 150,500 4 Q2 d4 K5 ^- `. W4 I: c( A4 f 185,000 149,300 : N& L* v( Q5 [# i, W4 M 167,900 157,400 ! ^6 }: t( R- D Source: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year. " s" N& V* J& J3 k3 ?' X9 p / v4 e' g4 d% p, m. L * W4 \' n  S+ h3 ` Average MLS® Resale Price for Local Markets 8 C( r$ F8 U: s. e6 \& ?: T City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 1 m0 t: N( I7 ~8 j3 b$ ^ $165,032 Quebec $219,440 $246,918 Montreal $285,100 $309,638 Ottawa $320,561 $305,872 , J& s# O7 t, J Toronto $423,507 $443,633 Hamilton/Burlington $296,253 $305,872 Winnipeg $210,618 $229,467 Saskatoon $274,759 $293,929 Calgary $393,574 $399,679 Edmonton $351,768 $317,096 Vancouver $638,948 $707,207 Victoria $481,500 $343,747 2 j( s0 L* p9 a) T) K. SSource: Canadian Real Estate Association - _2 A; S! \" u9 M5 @: c+ D 8 g8 U! d8 v& s7 r0 G 4 W0 b8 i1 L5 S5 K7 v. v/ S Quarterly Housing Affordability Index Standard Two-Storey 9 m0 s  M1 \: k6 i$ _7 D# b 7 e. z- k. j( Y; P. S Average Price RBC Housing Affordability Measure 2 Q, a4 b* V3 y Region . _4 u% u0 h4 M# H9 j Q3 2010 ($) 3 _. ^$ V. w% X% `. A8 |% y Y/Y % ch. Qualifying 6 Z" _( w" l4 X/ A( f% PIncome ($) ; l5 f( l8 Z  G) uQ3 2010 Q3 2010 7 `. O, Q1 a* N, ?( F(%) 8 L  P( a  f7 j% M: {: A Q/Q 4 I' W0 n9 \. K1 u/ U5 IPpt. Ch. Y/Y Ppt. Ch. 5 r$ c! ]& z' v* l8 A0 p Avg. since '85 (%) Canada # O% B' X2 ^9 }3 ?; T1 K1 _ 370,700 # \  q2 ]( q- @) D$ @! c 6.3 # Y( E  T( x' k- j/ {5 T/ [ 83,100 46.3 -2.5 0.3 1 o; x4 b) \  K: b, r; F; Y 43.3 ! t# ~9 ]( l. c* F British Columbia 4 }: L9 K" y2 S0 T, B 624,800 8.0 $ ^; o, D; n, z% q7 a 124,500 ' m+ A% ?6 n: O' R 67.5 -3.9 1.4 2 L. \; U1 O/ p1 P4 t/ H* z 54.1 7 P3 @' n7 J7 r# t% k) V Alberta . i) C" n( a! C 365,600 0.1 81,400 3 B3 ]6 M6 ~3 r( M 35.6   c, L) K2 J# K -1.8 -2.0 ! n% R5 F; H8 O$ K% v' A 38.6 ' R2 P6 E1 t& I2 c! V* K/ ^/ l7 `9 l0 V Saskatchewan 315,300   j' f" Q0 Q: h! x5 t0 P5 V 5.1 " M' X3 b) e. d, }. u+ l4 N 74,100 ) r$ ~* n3 @& V  q6 r 40.8 -2.2 ; E' A8 R! u/ G8 @* V -1.1 38.0 Manitoba 269,700 7.8 - j3 u7 S( n# [9 G( m 65,000 37.1 -2.3 8 b; G, _4 h% t, @) g 0.8 37.7 1 m% r5 W7 R1 j Ontario 388,200 6.2 89,800 $ h& Q2 t% K' ^9 ]" R 44.9 -2.4 ! A' I# M3 ^$ p: |) q) f 0.4 + E& y, D  d. B3 I, E# p3 n: s) D0 M% N 43.7 3 h3 {' [" _& Z% _) h  V Quebec 262,100 . B, K! W9 y0 G2 a! D; g% `% q5 C" L1 [ 8.6 61,700 . K1 P$ G6 [% O: `: a* R! E 41.7 -1.8 1.3 - r8 p& p/ M$ g 38.8 & B3 L9 K$ i/ c: j( p+ k% d2 a Atlantic 222,100 1 R& V6 z7 T2 @' s 4.3 " s) g( c3 I7 v2 f 55,900 / {( y# ~3 t6 P* M 36.5 ! v* I: y$ S% \- i -1.4 1 P. B4 d+ Z9 O, o; h- p 0.1 38.0 Toronto $ a, w% n4 j% a4 F6 d" B 554,700 $ J9 J) o, [! f$ } 5.6 - D1 o3 J, |/ S- m7 i 120,400 56.2 * W; q! M4 w5 V; a* R7 o+ Y -3.8 0.1 0 z7 l+ Z/ A4 [+ o 53.4 Montreal , Z1 _( U1 ~% M  Z, l$ y: ~  |. h 335,300 8.9 7 w4 A9 u) ~8 U7 f, u+ I 75,800 51.3 -1.7 * n/ _9 ]  S7 c- P' x, k2 C1 h! A 1.7 3 v$ |( j& K+ }. z4 K& k7 G! f 41.7 Vancouver 766,300 : h; h5 \& c/ ^5 i  a 8.4 ; L' B1 @8 B) g: | 149,400 78.1 # {$ [( }9 K* Z: B" @8 u, k -4.7 . n% O8 X. r. f 2.0 62.6 Ottawa 350,600   L/ a6 L1 K/ c. _$ r 4.8 86,600 6 D- u' h: g; `$ I# @& o 40.5 ' H% ^$ e5 Y  ~( e* O2 R& J -2.5 $ l" i% l$ L# b6 o# S4 P5 d) [ 0.0 39.1 , f- z4 @# z3 ] Calgary , v. k/ v0 s. v! ]4 P, ~/ q 410,500 1 j$ a, P0 h0 {/ x( R( L -1.0 86,700 37.9 ) n6 p2 b9 a1 e2 A* j -2.3 -2.6 40.3 ( {! e& _! q  U% G" l8 v8 t' B Edmonton 362,500 : g8 e2 |! O; Y$ z( W. t% q& W 1.2 & U" j6 Y0 s. f- k; H/ A* s# ` 82,500 ; e5 m7 o8 J8 E+ D2 Y8 k- T5 d 37.0 -1.9 -1.6 37.0 3 v' D5 I# H3 Z9 t - o; `- b. j2 o% f, R3 c Detached Bungalow - F. h, R; `& ~+ s9 w7 e: W( T Average Price , B/ u) U3 W- w" h6 q% @ 6 P2 |0 D: G% M! Q+ c RBC Housing Affordability Measure 9 p% |/ q* Q" R  N1 H% q Region 0 P% e1 b. e& N  M  X Q3 2010 ($) / F3 Y% [1 ]% T: X2 c/ |+ H Y/Y % ch. , x) a7 V! j9 \5 g; C9 }) c: U Qualifying Income ($) % {* z( t) M/ k- l( K+ ZQ3 2010 # ]& x3 z4 o2 Y Q3 2010 (%) Q/Q # R% q6 S. |( a/ b# }) aPpt. Ch. Y/Y Ppt. Ch. / G  S1 E' F# J; p Avg. since '85 (%) Canada 8 S+ j0 V0 D( G( a+ j( B 325,300 6.8 72,500 ) l" I# q6 t% l& n5 q 40.4 -2.4 0.3 7 P8 P4 \3 f: A& n# q  P 39.0 British Columbia 2 v# O% w/ Y* }, q* D; | 544,700 8.5 $ h4 w. P. X- G4 [- M 108,800 $ l7 k  W* F9 X: M$ W; T 59.0 -5.0 1.5 ' E8 M5 t) {" z 48.9 Alberta 340,500 % Y2 N- |3 C: M 2.9 74,400 32.5 % g/ Z5 S! P2 g -1.8 7 O* K% g- u3 f" f; l -1.2 36.1 2 l0 @+ G3 y, \4 H; }7 ~ Saskatchewan 3 B) j  A8 ^/ @( k$ ]+ c% j& D 312,400 , p# j8 I' z1 r2 \, i0 D5 r( c. { 6.3 70,900 # Y1 E  d6 |! `- S 39.0 -1.9 -0.8 ' w4 j$ L6 O$ V; x+ q2 w 36.6 Manitoba 251,000 ' s# }, f3 ]0 m 9.2 ) }% t5 B/ T, M! L& ` 60,800 ! Q3 R2 u+ a. G9 z" @* ~# Q 34.7 -1.4 1.1 36.8 Ontario 337,400 6.1 77,900 38.9 4 P, c/ k6 d" b$ M0 _$ e3 ?% u3 [7 j -2.2 0.2 40.1 Quebec 221,600 9.3 51,700 0 N% f- _2 a- r( N4 d* d) K 35.0 9 \# F6 }' T0 h% L; v -1.4 ' o* F+ }2 u0 d! M0 Y: n  h; l+ g 1.2 32.9 Atlantic 196,600 3 A4 s: z' \! v* k& g 2.3 * m' `; j- G; P& a# w& k 48,200 & X' K' g' |7 {0 i0 K0 K; D# l) @ 31.4 -1.0 4 B3 w/ |& u7 f' O9 o -0.4 2 o  K( R. |* s. a 31.6 9 q9 q9 T8 p. S% z2 U Toronto 6 {& ^, B, M2 g' ]* X8 ? 466,600 5.0 ; `$ `8 b# d1 s6 d3 T1 |3 g 101,100 % s6 @4 r1 u# C/ m1 t 47.2 6 Y4 }4 ]' H4 F! v -3.0 -0.1 48.2 Montreal 271,100 ' T( d( e" O$ p" `4 f7 h$ O 11.8 61,600 41.7 -1.3 & D9 z9 J5 W2 |$ ^9 q 2.2 # ~7 X- `1 C/ u# }5 ] 36.9 : W5 S4 N' ^5 x% n% }! f Vancouver 672,500 9.7 131,600 68.8 -5.4 2.4 ( Z$ Q$ r: H/ y  |' {) ?0 C4 K 57.3 Ottawa 340,800   H" a0 d( O! I( W6 I, V& j; k$ Z! m+ H 3.4 81,800 38.2 -2.9 -0.5 36.6 Calgary % ]/ m/ X' ^/ v! `# \/ o 412,700 2.7 85,00 37.1 -2.0 ( J9 N1 h/ v) k* a9 k% P1 ]3 I -1.5 / f7 k  R7 Z2 O, Z1 z' f8 P$ {2 m 39.9 Edmonton 9 p" ]6 {4 ?+ [5 S. I) P2 o 322,900 5.4 3 X5 G( e, a# {' X5 s2 Y 72,900 32.7 ! e. M: I  L. i: o -2.0 -0.5 % a: `$ q5 L. D. r 33.9 4 [. K- ~+ M) n8 P  q1 s' Y) } / n+ m+ U3 t% b Source: RBC November 2010. The measures are based on a 25% down payment, a 25-year mortgage loan at a five-year fixed rate and are estimated on a quarterly basis for each province and for Montreal, Toronto, Ottawa, Calgary, Edmonton and Vancouver-metropolitan areas. The measures use household income rather than family income to account for the growing number of unattached individuals in the housing market. The higher the measure, the more difficult it is to afford a house. 6 i7 U+ }, V, o( O2 y - D; u# i6 n9 n

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8 F' A3 P$ v6 g. ^快讯： Federal Government's Mortgage Insurance Changes

$ V4 t& l, }  X/ ZThis morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     

' {4 G8 n1 c5 N7 Z" i! U: D7 nThese measures include:

Amortization period capped at 30 years
" e4 K8 r4 l( B- R" kReduction of government backing for home equity lines of credit
2 Q6 E3 y- I- HMaximum refinancing reduced to 85% from 90% LTV
There are no changes to down payment requirements as CAAMP recommended.
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CAAMP will continue to update members on any new developments.

For additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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