快讯：Rate/Bonds/NewHouseStarts/...

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2010年12月
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Bank of Canada Interest Rate September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada , K1 V5 H+ W& {& |+ D( k) D, R! _) n : D! V- W* V3 ?2 h4 K4 h. n, dBank Prime Lending Rate 8 X/ Z1 o) v  d September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada $ ]9 v9 Y, _. A& E 1 y( ^* K- T/ ?8 b$ M5 ~* ?0 Y9 lConventional Mortgage - 5 Year Rate* ! K  M& q! X8 l( s( I- j2 _# M 5 Q) r# J7 ]; }- }. @ September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 2 ?! Q( ^) `% _ 5.44 % . U/ p! q$ T0 B9 n: l% ~& G% C8 ISource: Bank of Canada % Y8 c2 I) B1 S1 }0 f5 d0 u, h; i+ |% J*Determinant for high ratio mortgage variable qualifying rate ( }5 w/ K9 S8 V: {- K * m3 _/ h& N) p$ e / E' c+ y% p. Q* K6 K2 w$ t9 _US Federal Reserve Board Discount Rate : g: X% S0 e8 d4 |: u September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date . L% B7 ]+ h3 }Source: US Federal Reserve ) c8 ~5 A1 N% ^* ?. D( D- m Exchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804   q$ \# h$ j. m/ B3 wSource: Bank of Canada 0 [- a. m: O& H6 ^( W 7 F; k2 y2 O% P   [" i& s5 c1 C" R5 W, E* FGovernment of Canada Bonds $ `2 v4 X7 Y1 n* ` Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1.21% 1.27% 1.39% 3 year Benchmark Bond Yield 1.59% 1.73% 1.94% 5 year Benchmark . l# \* ?0 u) R! TBond Yield 2.06% 2.20% 2.48% 10 year Benchmark Bond Yield 2.89% 2.98% 3.19% . m! ], v( q& e# R' t; wSource: Bank of Canada , B- @9 l) D  [1 z; r$ H ( A- h$ }0 J& A; k9 l , g! ~1 H) B  G; }8 z; @$ } Total New Housing Starts (Seasonally adjusted and annualized) Province August 6 e$ j/ {# j- ?4 K2010 7 V" }1 L% w2 z$ l& _ August 2009 September & U8 E; q; {' ]2010 September 2009 9 e+ j# L, h( i& t% c October " T3 e" c" s, F5 E2010 * T+ o3 I& D. l3 w* {4 ~ October 9 Q7 N# u/ v- m, M% m/ z+ g  n/ q# o2009 Newfoundland/Labrador % d. G# P$ G3 J 3,500   F+ ]3 B, A  C1 V 2,400 3,100 , |/ o+ _" X7 f+ z% W$ W 2,800 3,400 2,900 PEI 1,000 1,000 , a6 l6 p9 a, M3 c; R: e 500 700 * v9 V9 x9 @! q  e 400 / u1 {9 g  e; a 1,200 Nova Scotia 3,200 ( X1 J3 [. A- D- @. }4 c, k 4,200 + z! Y' r# z' `. w( \ 4,100 4,500 ! }0 m: l+ e4 ?% b 4,700 4,000 New Brunswick 9 Z* b% t, m$ t3 Y* f 5,100 3,700 2,400 4 @2 h5 S" m3 }' G4 @; O, y, E/ | 2,900 5 \* M9 e4 Q4 w; S  K* |. d 4,900 . c( c7 v0 W, c8 A 3,600 Quebec 0 N+ C& K# A" ^ 48,300 47,300 50,700 41,300 48,600 . C' Y" C/ \" i7 ^ 37,200 Ontario 64,800 44,200 ! w$ a. A5 T( Y" i2 h3 a  ?) A 58,000 & L% q. k2 m5 M! E 50,200 44,700 57,600 Manitoba 8 Q: p1 U6 F+ j! Y. {$ k  p 6,100 5,000 ) G! g# ^5 m$ j" b# J$ o. q6 T 4,000 4 P4 J. O5 H! w 4,400 3,800 . |" r1 {% l  b# g& n: t 4,200 Saskatchewan ( }5 j+ |# x( m8 _  c 7,700 5,100 5,400 3,700 4,700 3,600 Alberta : }  Y7 c6 x# a/ Z  w; j, e 23,500 18,400 8 d4 p% ~% H  H+ s+ v2 q; p0 E( X 27,100 6 A+ K) V& G) w' F7 c 22,600 25,200 : \1 W4 F! S  f$ W& A8 m 25,000 British Columbia 27,800 / y) a$ H+ K/ z3 m( s- Y* g" Q 19,200 ; u: R# S2 W- I3 N) V+ q 29,700 % j6 C& X/ b. J" ^' \. |8 F+ O7 |- Y 16,200 2 V* Z$ n/ Z; q& [, Z5 e8 o 27,500 18,200 CANADA 191,000 150,500 185,000 6 t/ r. s" z' r& e 149,300 6 |6 |2 h+ E5 i: w' @' P 167,900 ' o! q# o) a% r& q% l7 Y 157,400 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. . W4 P- t$ [' m/ Y, p ) L1 Z, J, u: ]5 ], f 0 O  r0 s9 t7 `1 C* K8 R: ]2 e Average MLS® Resale Price for Local Markets & e9 }1 K) u- G' A . ~! F$ U! s6 b City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 $165,032 Quebec $219,440 $246,918 Montreal $285,100 $309,638 Ottawa $320,561 $305,872 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 4 x: @" c2 f" S# ?2 Y. i0 eSource: Canadian Real Estate Association / Y! c9 b: I( W: z* p* J% m Quarterly Housing Affordability Index Standard Two-Storey 4 W2 r) N8 c2 Z5 t Average Price $ U4 C/ S' U; J( z. T 2 i6 }, ^( e3 L' { RBC Housing Affordability Measure Region Q3 2010 : I8 z0 ^9 j% g: C($) ( X, A: q2 s) H8 |0 ^ Y/Y % ch. Qualifying Income ($) Q3 2010 Q3 2010 (%) 5 g3 D* L" t9 g  S5 o Q/Q , c: L# N6 I5 qPpt. Ch. ( r1 P3 s1 t8 p# \ Y/Y Ppt. Ch. - q% p2 p# Q5 p7 s* ~ Avg. since 6 ]/ J& [/ w8 y& |% |'85 (%) Canada 370,700 . ~7 r$ T" n' N$ Z 6.3 83,100 * u6 ~4 L7 l2 g: ~! G 46.3 1 D6 k% T5 Y( v/ Q% z8 k0 K -2.5 ! O$ s4 n/ @2 q7 g! F1 I# w- v! Y) K4 H 0.3 8 c/ ]- ?5 g3 T/ ]- L7 W4 Z) M/ D 43.3 British Columbia ' c& D5 }/ E: C  g* Z1 O# T 624,800 8.0 $ H0 `& Y7 C0 }7 r' Y! D 124,500 67.5 - A8 q( \! G: X  N; N0 j' w -3.9 " `$ M+ ?, L  {. L7 u8 C% B 1.4 ) N% e: `' K* G2 u 54.1 - n0 B- D4 \7 M; E% ? Alberta 2 |( }5 C3 X* W$ T& [# C+ K; ?: S) \ 365,600 0 D# V" E( ^0 a' M! s, u, e 0.1 ( w. S. y8 ^' [7 O# k 81,400 35.6 -1.8 -2.0 4 W) g  n1 v) n3 G: \- W" J, T; G 38.6 Saskatchewan & E4 g; G1 s7 A5 I7 |' \, T 315,300 5.1 74,100 40.8 -2.2 5 k- t0 D" \& Z% v! i% T, ^ -1.1 38.0 Manitoba   i7 s1 a6 @! G 269,700 7.8 ( w5 f3 D1 [  C+ d6 O( ] 65,000 37.1 4 M* e2 R6 ?9 d7 _& {$ P- B! v -2.3   w; o0 H" S" N9 q9 P8 f 0.8 - v; {$ n" {) b5 J 37.7 Ontario 8 N# |1 G4 K3 o4 f 388,200 3 j5 q6 T6 W- l8 U+ Y+ T0 F$ R 6.2 89,800 44.9 -2.4 0.4 . d! {$ E( g2 n+ ]. t 43.7 Quebec 262,100 , H  M2 \3 e0 u5 [' Q* A4 o 8.6 8 R& b6 M4 ~1 M: z4 z 61,700 % y3 [& C7 G6 M* ] 41.7 -1.8 % ?7 B  A3 [0 N* Q* }+ r 1.3 ( c  {* Q3 i$ D 38.8 5 x+ W1 H9 N- F1 Z3 M9 O+ \3 ? Atlantic 222,100 ) v1 a* r( r' L: s 4.3 5 U+ I8 J7 M7 `3 l7 ~- f 55,900 4 F- A4 _4 z5 N! P+ D/ V; ?: o 36.5 : O2 B& O$ o7 d9 }, _+ ?, n# y8 f -1.4 0.1   H. l& C9 ~$ ]9 s 38.0 Toronto 554,700 5.6 / R9 m% s, J! h! v5 j 120,400 56.2 " F$ R5 w3 |! j5 G; v1 A -3.8 8 p" ^* j6 U* M1 D( y. Y 0.1 ' o9 E! w3 P% D  @1 l' J' d6 u 53.4 Montreal 335,300 " _, x( z& ?6 T% ? 8.9 * Q- d4 ]- V3 J* P) y, r 75,800 $ W3 U% ^4 Z6 D$ r1 W: c 51.3 -1.7 7 Q3 g  Z6 P( _% N6 I! U5 l 1.7 + }( R, T0 f( a4 z+ R" S8 {, K 41.7 4 o  ~1 m3 A; b4 H" U Vancouver $ f1 E0 ?* @, [+ e3 f  q9 e* c8 B 766,300 9 L4 n1 D% e& K  J+ h. f& B 8.4 149,400 78.1 -4.7 - j2 ]4 ~+ @, A6 {' G0 p. W; d5 k 2.0 3 I! G5 o" ^7 {6 ~ 62.6 ( a: ]+ P- f$ Z) p Ottawa 350,600 4 o- q/ j' K  z! [, m. C! @ 4.8 2 T5 v+ R8 u6 e" F0 [) e6 ] 86,600 . x" X# N; Y3 ~! l* P 40.5 ( E" v6 i" n8 U% O- b1 J -2.5 # M7 k0 Y- u, c* J 0.0 % c7 N9 z" H5 _( Y; Z 39.1 # d+ R  w3 J% F Calgary   l+ t  {$ Q# J0 z# I 410,500 -1.0 86,700 / U1 K! C) s% T 37.9 -2.3 , `3 d0 @7 L/ k' r! U; R- ?3 a -2.6 40.3 4 K5 _! T  E$ E# \" Q Edmonton & X- Z% G) J! T  S# _6 B/ ^* i. x9 b0 O 362,500 1.2 82,500 37.0 1 x) q1 g+ D7 A1 L3 [0 z -1.9 -1.6 " q5 q  J  _& K! R2 [, [) V! ` 37.0 Detached Bungalow ! I( x! \  h- H9 J% u- H Average Price ( I' O. K* v( p- j0 l% v% q1 } RBC Housing Affordability Measure Region Q3 2010 , D  q  b& I; Y! `& P  z7 Y9 b($) , W8 [9 h5 D- s) R  i3 I$ E. z Y/Y % ch. * N6 o7 c5 k) O3 l6 L* {- O Qualifying 1 H5 `8 Y. L# ]: W, ~( NIncome ($) $ F0 O& h9 e5 ]& F$ o2 e9 vQ3 2010 $ J+ d& v" D; \% i Q3 2010 (%) Q/Q * \- X3 |7 W% d. ~  ~Ppt. Ch. ; f; D$ ]( J* o/ Z3 N Y/Y ( Q) _5 J$ v& X* S- JPpt. Ch. 6 B2 A( G) d; Q) f# H+ y Avg. since # @% {  ]* j+ _'85 (%) ! p8 m8 s, [' z Canada , Y$ x. F3 ^: }) m9 G+ j 325,300 6.8 72,500 40.4 4 y) i4 ^$ I9 Q1 Z1 y -2.4 ' K3 b& R! y  V9 a, a 0.3 # f0 i, J( t2 q 39.0 British Columbia + K( y" V5 N3 x/ f1 M* u9 |# W 544,700 8.5 108,800 59.0 ( x- n" W9 t4 p, ?6 V0 b9 I -5.0 1.5 + P: f. D! f% \ 48.9 . ^) v( R* f5 f" q1 _3 O4 U; R Alberta 340,500 2.9 0 ^/ N: ]+ B9 Z0 o9 G$ Y 74,400 32.5 / d- b3 _1 p* w7 L4 a9 ^% Q+ r -1.8 2 b5 X, {% [7 g  C* o' ?! \; N9 K -1.2 36.1 2 v) y+ x+ ]! Q Saskatchewan 312,400 $ b& _) ]8 W5 k1 C1 l& w. o 6.3 70,900 - ]% l* b- J" e) E8 v 39.0 -1.9 2 L! r1 C8 \! z" A1 |9 q1 S0 v6 r -0.8 3 Q% L8 F3 _: C4 `5 t 36.6 ( J. W( B& K. V" G' p Manitoba 1 k( w/ B$ _. {2 z 251,000 9.2 60,800 34.7 ) g2 S( X# \, O! e -1.4 1.1 & w! Y! u' u' U$ e* F 36.8 $ |2 E7 b* _% `. f Ontario 337,400 6.1 77,900 # F+ N1 G' p# h1 r6 | 38.9 -2.2 0.2 0 {# B0 q& x: A# b5 y1 y 40.1 . z+ ~# H% @: ]- T+ W9 Z' |& S9 ~ Quebec 221,600 ! v6 G5 k1 N- L. k+ h9 _ 9.3 51,700 7 y' C7 D" `# |, v# u 35.0 % S: v8 ]( C- A( ~1 @& F! N' A -1.4 1.2 $ Q; o- V" W5 B4 t& ^ 32.9 Atlantic 196,600 7 j  ~) Q  d* E; J, K1 S$ q; o 2.3 / \2 r0 r5 v- @9 N 48,200 31.4 -1.0 -0.4 ' m! [# e/ w: i( i" Z9 b- u 31.6 ( }: G( G/ z9 C7 g7 j Toronto 466,600 5.0 ) O2 j9 }7 P8 Z8 C/ U( | 101,100 47.2 -3.0 -0.1 48.2 . w( k+ }0 M. u' ^3 k& x5 y% U Montreal * q! g: ~* e5 F7 _6 t3 u 271,100 & K8 b' f! Z8 v8 I; M3 B9 {* j 11.8 / q% s: T$ @+ \ 61,600 + o( r3 |  d) M4 y3 E; j- i 41.7 -1.3 & h, [4 x* S$ C 2.2 36.9 Vancouver - Y* v! j) {2 g# F9 z9 p 672,500 . z. i  H# a7 n 9.7 131,600 68.8 - X6 p% M0 C1 q4 ]# X -5.4 2.4 57.3 Ottawa 340,800 ' s5 D: K* z! I: H& j! K 3.4 81,800 # I9 ~' s1 U! d6 y; | 38.2 1 c4 L2 D. d0 l/ m& Z; F -2.9 -0.5 36.6 Calgary / z& ~8 L# n4 A# z; a8 F: t# Z- ` 412,700 / D& P/ d9 P0 z+ t+ z$ f% {: x 2.7 2 s5 M& k0 r1 x% O 85,00 37.1 -2.0 -1.5 ' a  E! U0 F6 R2 O" y; Z 39.9 ; ?" C' ?: {* L1 R# X" C Edmonton 322,900 # h6 \- J6 O  S7 z- j* A 5.4 72,900 ' G: L- F6 Y/ r9 W0 L 32.7 ( j0 q1 o7 n) f8 H, b -2.0 -0.5 * _; V( e  F- }+ \4 [% v 33.9 , B+ ]4 Y, y9 \7 K  y$ tSource: 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. ( T) ^* {* M( u( O( H( `8 r

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快讯： Federal Government's Mortgage Insurance Changes

0 ~5 h9 Z% X$ G  v4 ~, E1 j$ WThis morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     

4 y. M0 D" _# j7 c# S8 k1 z+ d8 zThese measures include:

- X7 B5 \& O4 h/ ^4 L' [Amortization period capped at 30 years
0 ~$ F3 l. l& k6 w& cReduction of government backing for home equity lines of credit
Maximum refinancing reduced to 85% from 90% LTV
" S+ O4 `5 K2 K' o; zThere are no changes to down payment requirements as CAAMP recommended.

' z9 R# b9 q' l7 n  NCAAMP 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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