快讯：Rate/Bonds/NewHouseStarts/...

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Bank of Canada Interest Rate 2 [# o0 Y; I6 H 6 I9 v# ]+ @2 ?0 C- o9 z September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada ' s' v$ E' }0 U, p5 u+ O9 f. `+ j& Z Bank Prime Lending Rate 0 j- A5 d4 n2 [! D! `  f! B7 h; m- j8 w + x0 o; T: o4 w. Y+ h September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada ' \0 K1 B  E" [+ P Conventional Mortgage - 5 Year Rate* 8 ?+ K/ c2 W& N* i September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 5.44 % ) e% k, u) g" r) FSource: Bank of Canada $ w  T  [) R; o- w7 g5 R* g# C*Determinant for high ratio mortgage variable qualifying rate 8 k6 P; o# i: R1 b+ ?" T( l! { 5 Z4 y9 R% y* G 9 t6 u& ]0 p5 ]6 A4 M US Federal Reserve Board Discount Rate 0 T/ B* h$ @# l( [# ^3 n: _   r* ~) U$ d/ t: U3 q/ H1 q8 [ , \6 ?4 Q; t- H2 d( c& G$ s/ r September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date ' {8 f! _8 Z& ?% vSource: US Federal Reserve % [* h2 e$ \( N! D+ X6 g/ C4 _ 1 V6 W% V( Z5 c& k5 n5 [ Exchange Rate $CDN($US) : g& }$ l7 z0 c/ |# E4 z October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada 8 r: H( {2 k( y# { 0 ^* M( S$ ?& w: oGovernment of Canada Bonds 4 Y% [8 a) N' P: O3 B, f* `. I " f; a- v6 G( N" B * d/ o  V- {+ K Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1.21% ) O& H8 ]3 _6 Y- M% v# v1 v 1.27% 1.39% 3 year Benchmark 7 t5 y7 r/ m& \% E3 ]; [: a1 v; nBond Yield 1.59% 1.73% 1.94% 5 year Benchmark Bond Yield 2.06% 2.20% 2.48% 10 year Benchmark   i6 E1 c) X1 e* o! L9 W6 ^! F) @Bond Yield 2.89% 2.98% 3.19% Source: Bank of Canada   K8 z) @: M3 o. _$ N& ~ Total New Housing Starts (Seasonally adjusted and annualized) Province August 2010 " l2 r% z& e1 X2 z; ` August 8 p; i1 S% S( m$ U' _/ e; h2009 0 U9 d, {5 k5 T) Q September 2010 September ) L+ f9 D: Q& R$ F5 J' H9 u2009 October 2010 October $ I$ d: ~/ R9 Y$ m2009 ) w' ^+ F$ z' J0 {* s' u+ R  L: E Newfoundland/Labrador 0 V% p; [3 A7 v8 i+ B' ^/ X 3,500 . p3 z7 G5 j: P" {" l8 y: h 2,400 3 k$ [# l' _$ v( ~$ p7 e( h- p* C 3,100 2,800 - U& _& _0 [3 T- C* x 3,400 2,900 * N6 X% f+ J7 U& ^" k PEI 1,000 1,000 500 ; W, c  j; l; N) r* D, z 700 400 1,200 Nova Scotia 3,200 4,200 4,100 ( O8 u- I  z( p, S) o: v) s 4,500 ! l, F0 }2 c3 L4 A7 s& S 4,700 4,000 . @$ A1 o/ v0 N/ [) c New Brunswick 5,100 3,700 8 Q; @7 \1 }, V: v3 y) I; y 2,400 : J- G) ~, {/ k# ~ 2,900 5 d* I2 @- u7 p 4,900 3,600 & }& d7 O  G# ?, n, C: d5 | Quebec + v! ]  f4 a+ f# r* p' ~ 48,300 47,300 ; E; T3 p3 T7 V" O9 I+ d+ d 50,700 41,300 4 H" R! o+ z5 a; ~, }) { 48,600 37,200 2 Z" h$ c3 K  F" n4 T- t Ontario + {  m  `$ e7 x8 h9 G" G 64,800 44,200 9 W* H: D, F- F: ^- H/ p$ q2 M+ x9 I 58,000 3 f, Q' J+ k3 C5 i 50,200 4 ]: t1 `5 l! F9 x& L6 p. v 44,700 57,600 Manitoba 6,100 # F" ?( f8 K9 Q# w( e3 J0 | 5,000 7 F7 _( \, y0 R. W; K/ \/ g: [# u 4,000   z/ _' f. C" o; ?9 J! k$ M5 ^# S 4,400 $ t$ d; }3 O) Z( s3 u 3,800 4,200 ! S! B) E0 V0 k% P+ p- V( v+ J! q Saskatchewan ' }2 d- _- c+ z" G& ^: t# ` 7,700 3 x; D6 u" l3 W# G# c6 ~* s* }  q 5,100 ; y3 |5 d8 i4 N8 ~ 5,400 3,700 2 ]' J! s* ?  A9 u# [5 _) y* c 4,700 3,600 Alberta 23,500 " ]2 a7 |+ N. P+ r# g 18,400 ; q; T; k0 R$ B2 u7 } 27,100 22,600 ! T) o' G2 @7 l+ X 25,200 9 O& B) y2 q# s, w3 {; n$ r! T 25,000 British Columbia + A) H' h# {+ j% g/ N! H# Z* @3 C 27,800 19,200 . G- E. A4 B, q' a; W 29,700 1 R, b) P* r7 G4 } 16,200 27,500 $ M, g  V; E. [# h  `  x 18,200 3 Q. b7 F% o" y CANADA 191,000 150,500 185,000 # Q: c2 d& }. l- K 149,300 167,900 157,400 5 ?; i, t' V$ ~! P7 wSource: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year. ; ?( z  \( R9 T. h5 S4 q 6 o% D! N# u! \- X- U- d; r Average MLS® Resale Price for Local Markets 8 Q# M; O5 P( Y7 O % t' U/ o) ~8 M; ^1 q0 H City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 . P. }, n% {+ @* ]9 j- P7 A $165,032 Quebec $219,440 $246,918 Montreal $285,100 $309,638 Ottawa $320,561 $305,872 $ V, C* a; D  A3 m 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 $343,747 Source: Canadian Real Estate Association   H! B: Y* F# R* t( F 7 b' H8 [5 v6 `1 _ 4 H, u" N- L) a2 l: ?- S Quarterly Housing Affordability Index ; w: m& ^- A  w4 R6 {. p. A% Z Standard Two-Storey Average Price , u& C$ h* R/ k8 z; c3 {1 \ RBC Housing Affordability Measure + s; \5 W( }; [& ~: l7 I Region Q3 2010 3 d+ W# n) ]" [' i: [; \($) Y/Y % ch. " w: y: i7 \, z& J( y+ U9 t Qualifying 8 |' L0 a* A. e) oIncome ($) Q3 2010 Q3 2010 (%) 8 q) ~* i2 l; U# C. h: h- p Q/Q Ppt. Ch. Y/Y Ppt. Ch. Avg. since '85 (%) Canada 370,700 4 \9 Q( r% q2 w# H 6.3 83,100 46.3 -2.5 0.3 0 X3 Y  S- N; c9 D7 I 43.3 0 R$ E2 a- F9 d British Columbia % l" b! H  Z) H2 F$ _ 624,800 8.0 124,500 67.5 9 X. c& D- }* i2 G -3.9 1.4 ' @; B6 o8 T" C, ~6 q' q 54.1 Alberta 5 u: e  q) b! G 365,600 : M' }. L& [- k# r 0.1 81,400 35.6 5 A/ h9 u% J$ ~: {* C; Z& H3 P -1.8 . P, d9 Q. @+ a+ ]1 B# s+ e -2.0 38.6 Saskatchewan & K9 E: Z& l8 ^' [5 j 315,300 * s+ ]- i/ w) ]( P! v. V3 M 5.1 ' V. E( {8 J7 B( u1 C2 v8 L 74,100 40.8 - \$ m5 C  e* y$ a( x( z" A8 t! G -2.2 ( H9 s8 _' Y4 ^ -1.1 3 G9 j6 R7 k# y; j9 p 38.0 ! t8 w- e, Q: e, O0 E Manitoba 6 }9 k$ n# H+ s* E# { 269,700 ' l1 V/ n& ?- F( Z2 x% D( v3 g" S" y# G 7.8 3 b  o" ^7 Y* [, }" n# u0 d; ] 65,000 37.1 -2.3 4 n0 }, ~, k8 m+ P& B 0.8 37.7 Ontario 388,200 ) A' y/ E+ h2 T1 b4 v 6.2 89,800 4 S9 A4 v) p% X5 l* X 44.9 * G; x: S) U  I6 ?' F0 S4 p; k -2.4 4 p5 v' n7 _# I0 d! u 0.4 9 B4 Z  ^8 @0 n6 _ 43.7 . s$ R+ l) E$ r1 n Quebec 7 ^. S5 b- G- R+ G. B7 ~ 262,100 8.6 6 i" [' ~" E( @ 61,700 41.7 -1.8 # ~/ v& O2 T+ A" V$ W5 @ 1.3 # s1 T! e% S, L" m. V 38.8 + s. C- }7 ^7 O Atlantic 222,100 5 ?2 D7 u* c0 G, e 4.3 3 U9 V* \- [6 R 55,900 36.5 -1.4 ( f! P* }. |9 c" z 0.1 38.0 Toronto 554,700 5.6 120,400 & L) I2 q8 A& |1 D 56.2 -3.8 0.1 8 b- u% v& v6 T 53.4 ( K& w1 ?6 [# z9 M Montreal 335,300 8.9 / M/ A) h; w0 v- h$ q$ a 75,800 51.3 -1.7 6 t6 g; U5 m2 Q# V+ f/ C7 o1 I 1.7 41.7 5 N  ?5 ~" u' q* E# m4 d2 f Vancouver 766,300 * I& R! o' F8 _4 U  v 8.4 0 a  d5 g* ~7 h7 v+ I3 g, M. G 149,400 ( Z3 ]* d& E! w9 E9 Q  T3 S) m 78.1 & x) s1 g6 W" W( v+ T -4.7 2.0 % i  a# {) M4 F) K5 b 62.6 Ottawa 350,600 % L. u# a) [" B9 D( k, t 4.8 86,600 40.5 " d0 p, U2 y7 d5 g& O8 Y5 d; p, q -2.5 3 J$ R! D0 h6 h 0.0 39.1 # [' @/ t, N1 M Calgary 410,500 1 j0 K) p8 Z! `& C! w. o -1.0 86,700 37.9 -2.3 : A" E) V- J2 t! p. x -2.6 40.3 Edmonton 3 ^# k" `' D( x) U; _ 362,500 + a; ]- S) c1 V2 T) X3 O# W( X 1.2 82,500 37.0 -1.9 -1.6 37.0 % @8 W% X9 j* X% L: @4 K Detached Bungalow , F" l0 t  @( {8 G2 } Average Price RBC Housing Affordability Measure Region ; r+ z0 X1 Y. {7 S9 w. m Q3 2010 + L( A& Y& S& h% C( d; L5 w. z+ {($) Y/Y % ch. Qualifying Income ($) " ~7 k9 p7 X) v% wQ3 2010 + P9 d6 ]! V7 P; |( G" c Q3 2010 (%) 0 E9 O+ N4 L+ a- f5 u- b Q/Q Ppt. Ch. 4 G! [& e( b, D1 P2 V2 c6 g2 @- b Y/Y ( y. N/ d7 A/ jPpt. Ch. Avg. since & y, D' i8 N  I. ?5 y- g' v; V6 @'85 (%) Canada ) [9 w' d; K& B6 T* G% b 325,300 6.8 . S% b, ?+ c" z9 w# k4 f9 r, d8 o- ]# F 72,500 40.4 -2.4 0.3 39.0 British Columbia ; H) w  K7 j; S8 \, {$ s+ E 544,700 8.5 108,800   g/ u7 O% C0 r& ~7 K1 S1 ^/ r 59.0 , d2 e. |# K; d; y -5.0 8 T1 V# r: j9 a' R1 H 1.5 48.9 Alberta 340,500 2.9 . M  o% D4 f: @+ g' c 74,400 32.5 1 R7 F; r# n7 H) e( }1 V. ~ -1.8 ) d, I; S+ J$ b6 R2 M -1.2 ( G# @8 m& Q! Z( D& r 36.1 & c. S" _3 M; ~9 {7 |& b Saskatchewan 312,400 6.3 70,900 39.0 -1.9 9 M$ R" s* l# x1 o$ ]0 z4 D' F -0.8 2 g7 q; A2 t. N 36.6 Manitoba 251,000 9.2 - E. R) ?6 E. h( J  s8 Q 60,800 ! ^9 t6 x/ y* J# G 34.7 -1.4 4 y8 T9 K8 z( A4 P1 T4 O, y+ Q0 h 1.1 " r7 {% ^# G! a5 i. A9 b 36.8 , S/ Y' V8 y9 c$ g Ontario 337,400 6.1 5 p3 I; \1 x( I$ K* |5 w* d- r0 z 77,900   B( L5 K$ C& ? 38.9 8 O' |! C6 ]: p3 g, k; n- a# U: \ -2.2 ( H7 R  `! X3 h7 F9 Q1 d 0.2 40.1 1 Z/ i# I! i9 f, j9 h! G1 v Quebec 221,600 9.3 , W! ?7 w& V  {. t4 u. h 51,700 + v0 l$ E9 t9 ]9 L( W( H 35.0   d$ {$ @  r$ A2 S6 |4 J! U( g -1.4 1.2 32.9 . X6 Y+ x, y8 A  b) j5 q Atlantic 196,600 4 B4 v! ]- D4 N+ Y 2.3 48,200 31.4 1 g2 i3 ?& t* t9 |( ^. K -1.0 ( Q  n% Z1 h" W& C4 [3 [% Q5 N -0.4 31.6 Toronto 466,600 7 H% Y4 Y% W( F: R+ O 5.0 101,100 3 A, ?+ w( }' K0 y 47.2 : _7 O% n9 U& G2 i! O5 F -3.0 -0.1 ; l/ H* q& n  N! I' s 48.2 Montreal 271,100 : Y! V/ t- y) m: T) U2 J+ c  L- q 11.8 1 U* B- Q7 V. J) x4 M) A0 D. Q 61,600 % j+ ]/ d# j. Y 41.7 * y0 r$ v! O6 _/ d -1.3 2 @* N# C; p- Q% I6 b& z 2.2 & Y8 {+ b4 E, R: D1 U! ~" g; F 36.9 8 s0 e" L* S% X: [+ @9 s: B% I Vancouver + A; f0 x' A. l7 E; C9 z* b/ W* @ 672,500 ( ?+ \# ]0 ]8 i  m" q 9.7 " v- `; X. I) `5 l& v) ]4 k 131,600 * Y0 D; J, Y+ z 68.8 . H% P  L3 A0 Z* u# c+ a" l -5.4 : q$ U" e+ Z, Y, J) r% I  ]" W 2.4 57.3 ; {. e: G6 R( O# e4 M" J Ottawa 340,800 3.4 % e( }" U. t6 Q$ F" K4 T! f, z 81,800 + F6 Y0 J, m+ Q% d8 t* u$ O 38.2 -2.9 0 u6 w) |3 ~; C  B# X/ P9 i" b -0.5 36.6 Calgary 412,700 2.7 7 A+ g( |% V" \0 y7 c 85,00 1 J. u7 T9 m4 O* h3 i5 Y! C 37.1 , V- c# O$ l% ?, [ -2.0 6 r- @! }! u/ { -1.5 39.9 9 R6 G0 D/ q& B8 T0 R# y' p1 Y3 _& S Edmonton ) k* w4 G# @; A 322,900 5.4 72,900 32.7 * `) q6 Z6 ~) s3 ^5 } -2.0 1 c. W  v5 ~" z+ u6 T* o -0.5 , `- v& d6 W* h 33.9 3 o4 y* F$ P- W   t/ j& R7 @. B1 x6 q 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. ) ^$ m1 {! ~$ ?$ i/ _) k  l' d

衣食住行

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今日议息结果如何？

年轻的心

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年轻的心

快讯： Federal Government's Mortgage Insurance Changes

This morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     
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  q+ w9 b) L! _6 r) T( }' a2 @9 iThese measures include:
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- R* S" d" p& }. L( sAmortization period capped at 30 years
Reduction of government backing for home equity lines of credit
Maximum refinancing reduced to 85% from 90% LTV
There are no changes to down payment requirements as CAAMP recommended.

: s* H& r2 T0 R1 a  ]* v# KCAAMP will continue to update members on any new developments.
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For additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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