快讯：Rate/Bonds/NewHouseStarts/...

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0 V5 l4 D/ x% i2 i7 P8 H2010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 Bank Prime Lending Rate % D5 I& s/ z. d% W: H( ? 1 [8 I- t/ I/ J5 u7 F' | * f5 C: H$ q+ N" g0 _. C September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada   c" {* D4 ~4 T2 B % D+ x. k$ b/ u- Z: o5 r/ x 8 ~8 a* L6 m# q! W Conventional Mortgage - 5 Year Rate* - {+ r3 Y3 t- t1 p6 ?$ e% E  X 1 M; e# N4 D1 |8 \, P! R' r September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 5.44 % 1 c8 V/ W/ f& S" oSource: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate 7 f1 `9 L8 W# d! ]: R 9 o+ N5 @: I1 f0 Z US Federal Reserve Board Discount Rate 6 ~1 [8 U3 h4 I6 @ September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date Source: US Federal Reserve 6 t1 u( G2 b6 E1 V8 h! ^: ]8 ? * K! s2 t* J4 H; x8 `' q Exchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 8 ]7 t" w! }. x' a+ VSource: Bank of Canada & M3 \+ S" g6 \/ Y" \  }+ q2 D: lGovernment of Canada Bonds 3 f& X- Z  h0 ~; W* D( ^ ' B' z9 y# H! N% ?* ~ Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1.21% - {2 C' g) B2 B, }! k. ^ 1.27% 1.39% 3 year Benchmark 1 N  _) ~3 b, Z! s3 ?Bond Yield 1.59% 1.73% 1.94% 5 year Benchmark Bond Yield 2.06% 2.20% 2.48% 10 year Benchmark % V2 N& `( X/ ~& E9 ~  lBond Yield 2.89% 2.98% 3.19% Source: Bank of Canada 0 Z  }; N7 d& ]5 c ( ]* [+ h" v+ }- X Total New Housing Starts (Seasonally adjusted and annualized) & \% S3 g; j4 t7 Z. l- m1 g Province August 2010 August 2009 September # J2 r5 s- `7 q3 p- v2010 3 F& W# I2 b0 j; U( I; S& t# U September / k9 D: v9 C* Y0 x# H2 {# U( _2009 3 c% d% H, C' K; X October % j9 O) V6 |- v5 Q: L! @2010 * x% l, r  ]' i6 Z+ ^ October 2009 Newfoundland/Labrador / s, `; F0 `; k9 S5 ^9 J: m8 X 3,500 + I4 R; H5 [; M  k7 C  X 2,400 3 T' P( d% B* W 3,100 2,800 3,400 $ |4 [$ Z9 S; k1 D3 ~4 r 2,900 PEI + o, z! j" {2 X6 P! t 1,000 2 K: G/ G: d* D3 C8 |7 l6 W 1,000 500 + b2 W0 n) }* k6 _% Y: v 700 ; i5 L; B% @' U; R* y" ^) S3 ~( v 400 & l% c( l1 F( r) Z2 D) z6 e 1,200 9 K! h0 w; i- d% Z Nova Scotia + ]% R/ e, h7 N/ w, \2 e, o 3,200 9 }8 k8 u4 A, j: L8 E  w 4,200 + a) U1 F* @* d; W7 x& E# C5 r) j! u 4,100 $ X. ?/ M- r  ?7 l1 z  ] 4,500 4,700 8 H: m% |8 `) O5 _' b 4,000 New Brunswick 5,100 & z3 j. r/ C- d4 M8 s  x  \+ N 3,700 2 D( m$ I  t- W3 D3 u3 b) N 2,400 2,900 4,900 3,600 ) i& V' g$ S0 b8 h Quebec ! h+ l4 y- ]! K8 h 48,300 47,300 50,700 41,300 48,600 37,200 * i) Q1 ?6 m8 e# b1 } Ontario 9 N/ l. T/ b2 ^/ }  t3 H5 s, k& d" @ 64,800 4 |" `/ |6 \8 T+ Z9 }/ l 44,200 ; d3 j  c* z& W& i" A" b  U! _ 58,000   p" Q4 }- x# f% U$ V 50,200 * c  j* U2 N1 X 44,700 57,600 3 a0 ?. \6 i3 T; Q& C/ G Manitoba 8 F* s  w6 a4 x; R 6,100   |3 ?1 C; Q' u 5,000 / n. m5 z" Y/ ?$ `, s. e1 J7 S! T 4,000 4,400 4 I, U) Y. L2 s' m4 I 3,800 4,200 Saskatchewan $ N/ X  _4 |" _7 r/ U8 Y 7,700 5,100 5,400 . N8 D1 x3 c( `( Z 3,700 4,700 ! r  Z0 t( s: a& C 3,600 Alberta 23,500 ! h5 p# _9 @' \ 18,400 1 y$ z" W' @; W 27,100 22,600 25,200 , ?" ]2 N3 G2 c$ s; G# o- K8 ^$ ? 25,000 # S! p3 f& _6 R0 E+ ^, ?  e) M6 s British Columbia 5 E1 ^. ^8 `+ B5 f  {0 t1 e6 |+ {; S 27,800 ( {# B( Q, c3 n 19,200 29,700 16,200 27,500 5 ^/ l: Q4 z6 U5 Q3 q 18,200 CANADA + c' n8 Z0 [) h1 ~( A9 a 191,000 * Q' ~8 P. s/ ~: C- y9 p 150,500 185,000 " ]- _, H5 J$ F( l9 q' p" l 149,300 167,900 157,400 * |( e! C9 S/ p: v) W% a, dSource: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year. " P+ `% c! g) y) p % h6 [3 v1 F4 P! h- E * S0 f5 t# I1 x) j& E6 o+ QAverage MLS® Resale Price for Local Markets ! e8 A" L4 r( U5 l: Q 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 : d7 w8 v, b9 e+ \ 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 - ~3 B% N2 \& n' z- _ 2 h* F+ ]" P# @- s; B* j& @( z $ @' {: O1 x$ IQuarterly Housing Affordability Index / p% t  n; Y& f: T$ r0 B5 j Standard Two-Storey ! q. z; r4 x" c3 r) p: [. [5 P Average Price . c; J& m; X$ \ RBC Housing Affordability Measure 0 m! ?/ Z! y7 t) x6 x Region . N7 {" w, d. y: a. |1 r Q3 2010 5 {: [& N, M# B0 R- e($) Y/Y ( V8 m4 l8 k5 E, C- B- v' K% ch. Qualifying # F2 V4 a0 n3 W$ M8 F/ w; BIncome ($) Q3 2010 Q3 2010 ! @2 Q/ ?! V1 _& C2 X5 d5 s7 ^4 d- X(%) Q/Q ( f. ]4 C/ F  x# D; r6 }! JPpt. Ch. * p' d: G+ p  j3 c" r  k Y/Y , V6 r" P% ~0 |& z2 p5 ?Ppt. Ch. 2 K+ O$ B- a- P" t Avg. since '85 (%) ! m0 K: `: m) n! G Canada 370,700 8 K3 c5 g+ f: e1 m$ l9 a/ s) J" i1 j 6.3 83,100 , `8 l- j* p# Z4 u2 v 46.3 -2.5 . \, G9 ?; A1 F+ W 0.3 1 ?9 L* a9 a% }( M2 b3 W5 B$ T 43.3 ( w) L2 O2 Y0 S% ~# c4 ` British Columbia ; i2 l" p; E) p" {: \6 N 624,800 8 T* J" R8 x+ y4 s 8.0 124,500 & G4 a" R3 C4 }; ~1 t( F  h7 J 67.5 -3.9 1.4 54.1 & n7 j6 K/ @0 b* h8 G+ I& A Alberta & t6 t) F# q( \/ R 365,600 6 P$ [# E1 ^/ Y0 x9 ~ 0.1 $ P( x5 T3 G, p6 J- G1 F 81,400 35.6 / }- u: W$ y3 [' y) o -1.8 & B$ N! d) ^$ ~5 T -2.0 38.6 Saskatchewan 7 L# I9 B2 G) j  n 315,300 : y: Y/ e2 b1 m" J2 H 5.1 , u# ~# k6 w: T' E 74,100 40.8 -2.2 " _* q0 U3 u7 ? -1.1 ) K3 H& l, e) t. Z) e1 b8 W 38.0 Manitoba 269,700 3 W$ @" E) c  h2 F 7.8 ) e$ j. v* ~, E# G" H5 j 65,000 37.1 ; O# O: H1 |) V9 q& J& _7 u -2.3 * o- @: b( S8 b- l 0.8 37.7 # z3 @; A: d  P, N8 g Ontario # _2 r, y! c$ g$ N 388,200 ' t# Z1 R8 H2 _ 6.2 89,800 44.9 -2.4 - R% c2 J  Q9 t- a6 w# s% O 0.4 43.7 3 @6 S9 g' J& }! Z5 f, X Quebec ! S: N5 m, J+ w1 h* n# m  I% l 262,100 + O5 [" r, i$ Z% J 8.6 6 [% K4 w- i, ?- q! q 61,700 1 u+ n+ N* {# j. m* G 41.7 -1.8 1 e8 j: d% u8 L5 J8 X  l$ h: M 1.3 38.8 Atlantic 222,100 8 \+ w1 @# r% G9 H. ` 4.3 55,900 : s5 K, |( n3 r 36.5 -1.4 0.1 38.0 ) b# n' q5 v9 Q% e/ ] Toronto 554,700 5.6 + `5 g  S/ t6 N9 {# Y2 P0 \ 120,400 * W; @- _& o# l6 ? 56.2 ! d) {. k: g# V$ d! }# F -3.8 0.1 1 V3 J7 }( c7 I) i1 Q 53.4 Montreal 335,300 8.9 75,800 51.3 -1.7 1.7 5 ?( ]  Q* P. d* ?; i4 p 41.7 Vancouver 1 o+ C. ]5 [$ M1 ~' Y; ^6 G- P 766,300 8.4 149,400 1 k0 e' @+ W2 |7 w* a 78.1 * I. }7 X: ?$ c -4.7 2.0 62.6 Ottawa 4 t. r) O) z/ G' w. U: L4 m' K 350,600 / F! X5 r6 t7 I% o$ E; _) E6 I$ Q( ^* H 4.8 % Y: [- y3 f- p 86,600 $ ]# k. I2 [7 b7 z) B' \+ z. L9 X 40.5 -2.5 & u" f: y+ y2 C) [2 f, Z 0.0 39.1 / D6 l! [% x6 A% |3 x9 N& |/ w Calgary 410,500 -1.0 , Y! A- s) c) i& @# j# a* o 86,700 37.9 -2.3 -2.6 % l  R! M# ^, T% q 40.3 : N7 n8 b7 @! n* ?# T3 ? Edmonton 362,500 1.2 82,500 37.0 ; z( ?& b, i, I) W -1.9 -1.6 . ?) Y) H0 ?* ~7 }& S2 n! L 37.0 0 e* l- b* ?1 N. m* u5 P Detached Bungalow Average Price 5 g, A' z0 E% P0 ]. {9 A% ?0 T0 [; D RBC Housing Affordability Measure Region 9 F5 u. T+ U$ U7 ~ Q3 2010 ($) ' t+ J7 F- D7 C% Y/ z Y/Y % ch. Qualifying Income ($) ; _8 P, v6 }4 y/ KQ3 2010 & R& ]8 v7 G7 |6 F+ R! C Q3 2010 (%) Q/Q % Q  p: y2 @% z6 ^2 B' O- L& GPpt. Ch. 7 L: l  D) }; e Y/Y Ppt. Ch. Avg. since '85 (%) * j5 Q6 C- m8 [$ o, b& g  T( G Canada ; ^+ j. }/ \$ k: {# U/ c 325,300 ' |2 a, ?( }  m8 B6 o 6.8   B: `( p. ?+ M; G, { 72,500 0 G" k" @8 x+ s 40.4 -2.4 0.3 39.0 British Columbia ( i$ X2 Q# B2 X+ ^ 544,700 6 t/ }( D1 T/ N* Y 8.5 108,800 , P# P( O& Y, a* O/ y7 B( U% a 59.0 , c6 M  W0 ~; U0 J& l7 q -5.0 1.5 48.9 4 c) K2 w8 t& @ Alberta 340,500 2.9 74,400 4 X& [# @  I( l, p  c4 E% S 32.5 -1.8 -1.2 36.1 Saskatchewan 312,400 & m7 _7 |% l0 H 6.3 * U8 ^) ~# \- T# }  \1 i 70,900 : }- {* q) ]! _  T& K. Q! X 39.0 -1.9 -0.8 8 S0 c1 k: a# C3 h/ O) y* f  k 36.6 Manitoba 251,000 9.2 , S3 x* Q* E( r5 T9 y0 h5 j 60,800 0 j; n' o7 ?* h3 k- V* ^. u# O, D+ E 34.7 ) l. P- a% Q! e: { -1.4 - d/ H2 ]* I$ H$ k" A* v 1.1 & H' N/ F) q9 s9 G1 B& k: |. A( X 36.8 * p0 L4 z9 i2 J$ K! M! v Ontario 337,400 / F+ \5 L/ p. A4 N 6.1 ; k6 x  V( Q1 B8 ?8 R- x 77,900 0 D8 D6 j6 `9 [- k: T6 }. o; C7 Z 38.9 ) H: v8 d" s+ c+ f7 A -2.2 0.2 5 k3 X8 I6 k" r* k# ^5 H 40.1 - v# `, a! ]. }) y) v& m+ i Quebec 9 V; W" b1 d' ]4 y' Y6 d) J4 [1 }, v 221,600 3 ^+ [/ H0 [5 V6 ] 9.3 # v' v  R* m3 V; s# A+ Y' p 51,700 7 Q: P8 C8 Q$ a6 D  m* i7 w+ i 35.0 -1.4 1.2 ( y* R& \) `* a 32.9 0 J1 A, H0 d, _  j( a* L) @: j# n Atlantic 196,600 2.3 3 E" O8 S2 y  K; n3 F% h 48,200 8 q& m$ Z/ O6 F 31.4 3 X; j) b( P+ U1 M% A -1.0 -0.4 " k- x1 D' A% h, C& Y3 u 31.6 - |. [- [  s  s5 ?3 c9 A4 f. ^ Toronto 466,600 . p1 d0 o4 }. a+ V5 P+ u7 ? 5.0 101,100 47.2 -3.0 & t: K/ p  O" [3 O' D- r -0.1 48.2 ! ~% k9 u9 [2 s Montreal " x2 o6 \* F1 x: a 271,100 11.8 " V3 C) A. S4 _0 ~ 61,600 * _2 ~  }) z5 i, v. F* ]5 F 41.7 4 e& b$ w; ?( f4 ] -1.3 ) F/ `! f6 p! _8 l5 B; p. G 2.2 4 N! L1 K: P( a4 c$ T7 x 36.9 Vancouver 672,500 5 ?% c5 J! H5 z) u4 p 9.7 131,600 68.8 -5.4 ' K2 z( Z  q) [- N# v' E- L 2.4 # Z: t, E5 W) g8 F% S 57.3 + S! R, A1 N- O5 t& v/ j/ k Ottawa 340,800 % u* e( g- V, ~. g* j, k 3.4 ' p+ ?- b) A# Q. ] 81,800 38.2 7 R, J- r$ d+ n  R& [2 h -2.9 -0.5 $ h! A. B. d+ Q4 n8 _: h 36.6 2 \. N* W( {) J. x3 v Calgary 412,700 # h2 @3 ?" T* `' S$ d% K: i6 t6 R 2.7 2 H2 g, a! x1 w2 A 85,00 8 B' k$ ^6 E% Z7 B" R0 m, X 37.1 -2.0 -1.5 39.9 2 f, w' U, A  g- d6 v9 M Edmonton % @2 |/ ?" H& I. p 322,900 5.4 ' T- I! t* `( C1 d 72,900 9 K* E! A4 e" b! F. @( M# [; o 32.7 -2.0 -0.5 33.9 + |& G- B3 R6 Z3 k0 s 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.

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年轻的心

; @4 b# o, ?# V; X9 W+ Y快讯： Federal Government's Mortgage Insurance Changes
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2 z2 L1 C6 S  W6 v. LThis morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     

These measures include:

" {: F1 x# A, J1 P- C! @/ \+ ^Amortization period capped at 30 years
Reduction of government backing for home equity lines of credit
7 P/ Z1 {, @5 e) D0 X+ IMaximum refinancing reduced to 85% from 90% LTV
There are no changes to down payment requirements as CAAMP recommended.

CAAMP 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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