快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

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2010年12月
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Bank of Canada Interest Rate 5 t$ |" v' X3 B5 t( r! x4 f September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada 2 N7 q' `/ A- F/ c' G Bank Prime Lending Rate 9 ]* S8 e9 g1 Q7 ?& M/ W September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date 6 P+ M: u6 x* [2 Z$ g2 j/ w" TSource: Bank of Canada   A% I- O0 ]. {9 h 2 V1 H+ B+ G! h% Y1 C" x( U# m ! L7 x- }( |$ p/ w  B/ vConventional Mortgage - 5 Year Rate* 2 W* ?" z3 ~) m0 K' f September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 ) t: b! S( g* Z$ z3 ? 5.44 % Source: Bank of Canada ! D  [9 g9 K1 R& P7 r6 e) C' F$ N*Determinant for high ratio mortgage variable qualifying rate * ~$ ]7 ]# A8 d- v* B # ?9 _. H: c, t  R3 i$ } US Federal Reserve Board Discount Rate September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date 6 p! C$ I, j( d) FSource: US Federal Reserve 1 c; c$ z9 v  A8 N) S  Q- n- ~9 N- T9 b 4 O5 V8 n- F# H+ e  v( r! e7 u ) \! J6 t9 R5 F$ k# X+ Z( c+ k/ cExchange Rate $CDN($US) 6 j  F, K% r4 x" b% p8 | October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada $ b3 [8 C3 L" L0 y+ E   r* v6 R* P+ x' L4 w   m1 Q; S& i1 _. F& WGovernment of Canada Bonds ) V/ v2 {! N- z8 Q8 R3 P 1 M6 V& V4 }9 ^ Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1.21% 1.27% 1.39% 3 year Benchmark 2 H; b* L. ?/ O- ]/ c* @Bond Yield 1.59% 1.73% 1.94% 5 year Benchmark 5 Y5 Y3 A; m& WBond Yield 2.06% 2.20% 2.48% 10 year Benchmark Bond Yield 2.89% 2.98% 3.19% ! J6 m% i6 o& g# X% ]$ _: GSource: Bank of Canada 5 P. z2 {% a% o- ?0 { 9 I! w7 s7 L# m5 U* v4 g 4 I8 t. \" i% ` & Z5 }$ R% |1 y, S7 G4 z3 g1 C& V5 F - y6 f# P+ e% c2 XTotal New Housing Starts (Seasonally adjusted and annualized) Province . P+ S( J6 V5 P5 Q. o4 \' V August 2010 August 2009 September ' i0 o' w3 l. M" O2010 September ; \1 K& n  K6 M9 s( @# R$ B2009 ) u. A5 N4 x/ s8 P  j# A4 l October 2010 October - i1 H$ G* d4 X' x0 ?2 _/ @2009 Newfoundland/Labrador 3,500 & t& N; R& X+ s, N 2,400 3,100 7 `  }" z* J0 W, O- ~8 L 2,800 : e0 T: t% e3 X1 ]4 ], I 3,400 2,900 PEI 1,000 1,000 ( m; j8 I! x  D/ F* J# Q 500 700 400 1,200 Nova Scotia 3,200 / u6 Z& Q. u9 T; U' d6 a6 r 4,200 4,100 4,500 4,700 4,000 New Brunswick - J' v& n3 z! E$ R4 Z, q0 f: E 5,100 3,700 2,400 : j( U% S/ z2 Z# ^ 2,900 4,900 & Y2 _3 l8 p  n( S. M5 V 3,600 Quebec 9 [( g6 D. f# Y/ z 48,300 + S' A, C" r; o. d. [1 o+ \ 47,300 ( B3 a$ f/ R7 u3 H. P" { 50,700 . x, c: _5 c" ~ 41,300 ! B3 n7 T1 G! U8 O 48,600 ; ]. U( S8 M' a 37,200 Ontario ( a+ ?- a- u. ]6 M 64,800 44,200 58,000 50,200 4 Z' k  W8 x$ `/ A& L5 R 44,700 1 p' z5 d: M4 R# _8 H8 w  F' n 57,600 Manitoba ' V/ W' A: B: a# E  v& _ 6,100 , z( P% {  g2 g6 _1 ?& Q1 j+ s- x5 o 5,000 ! z" v' h( D7 C6 C' F' B 4,000 . H, Y4 e" k8 T! L" J/ t7 o; S7 t 4,400 3,800 ) j  j; b+ E: [4 O 4,200 3 X; }, t7 a- a" D1 ^3 ?7 i Saskatchewan 4 r0 S/ v. Z% i" `  A, v+ h 7,700 " p7 j: E1 a' x% t/ v/ {9 q, F8 q 5,100 . `9 a5 A" Y9 ? 5,400 - G0 K# M% z: O5 l1 M* g  I 3,700 4,700 3,600 Alberta 23,500 : u$ l; n: z1 Z. ]& Y3 I 18,400 5 L6 {: R4 {0 u/ ]! \ 27,100 9 p: }# {6 \$ h 22,600 ' ]5 z' a0 Y5 f( E9 `+ W! f 25,200 25,000 British Columbia 27,800 19,200 29,700 16,200 27,500 9 Q  x- E. A9 C% x5 ?# \ 18,200 2 N' a$ r6 B- a4 A( _+ |& `1 |. W CANADA 191,000 2 O2 X; u( q( H- r  d3 t9 m 150,500 185,000 149,300   m: t/ q4 G0 H! I 167,900 157,400 . y+ f3 `& ^9 F7 B1 i) x4 n . p: R& a% f9 t; `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. 7 E- I8 d4 ]! z% @- Q$ [# M4 | Average MLS® Resale Price for Local Markets 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 $343,747 Source: Canadian Real Estate Association 6 o, Q' f/ i$ r; n' F. L; o ! H$ i4 g9 L! R 5 q3 C  V9 g  ]$ v/ t Quarterly Housing Affordability Index Standard Two-Storey Average Price - u) R' i- |1 s2 k RBC Housing Affordability Measure Region 3 J; B9 ~6 c3 l0 h  u9 N& O- y Q3 2010 & w) }# {6 R4 W5 S# p* `0 t* B($) 1 M7 V4 j. V2 e$ @: f& \: L Y/Y 5 X% [8 P8 V3 }; }5 L% ch. Qualifying Income ($) 4 Y  f5 P" s9 e& J- wQ3 2010 ) O7 v9 b+ _( i' G4 |3 T4 _" O& P Q3 2010 (%) Q/Q Ppt. Ch. + k9 V- L, b- a. m' h- k+ S Y/Y - @# F8 f5 M+ jPpt. Ch. Avg. since & `8 ^  }% ?5 c6 |'85 (%) Canada 370,700 - t3 v8 |6 s/ }$ F! K8 r7 E 6.3 % {) z0 l' H4 }# _+ f 83,100 ; x5 {$ Z$ S; }! I) U* P 46.3 -2.5 0.3 43.3 $ L, m3 E+ n! X& Q British Columbia 2 t6 f" d% o/ D( j 624,800 4 h' [2 p. c6 {1 q 8.0 124,500 4 ?4 l$ S1 l% M7 A; ?- U 67.5 -3.9 " t2 L) E- K; X8 m& p 1.4 $ L3 p  r- s- B 54.1 ' q0 Y! Q, M, r7 e+ l/ {% {9 ? Alberta 365,600 0.1 81,400 5 @" G- @5 v; o0 W3 K0 M 35.6 -1.8 3 }, W' N+ B6 T/ o0 d, r5 K2 D! k -2.0 38.6 . y, D( z' P' M3 g) [7 m Saskatchewan 315,300 * ]3 @( ]) {; E# K2 l4 T) Y1 _: G 5.1 74,100 40.8 -2.2 $ D; j* a6 O* o  Z$ \1 ` -1.1 38.0 4 p+ V$ x4 }: `8 r$ H8 I7 Z Manitoba 269,700 # x: [  p0 n- W) n3 r 7.8 ' b# L' n& j* S# z 65,000 37.1 1 F( h+ j1 R8 H0 q# u5 ~" y' Y  z -2.3 0.8 37.7 Ontario 388,200 # ]* }. c- o1 H; n: n 6.2 ; e! `) n3 x1 l7 L) V/ D6 M' F2 f 89,800 44.9 - y* ~- N8 d/ H' v/ y -2.4 0.4 43.7 3 N- e; L( I: X& U8 l Quebec 262,100 8.6 4 S) d& V! n2 c1 ]+ Z 61,700 4 m; e+ e7 @( @* f" q& e 41.7 -1.8 ; S4 A  p6 I8 h* w 1.3 0 a9 z8 j  y) M& \ 38.8 Atlantic / E0 |3 \3 K. ?, j; _- a- I; i; G: t- a 222,100 4.3 55,900 5 A- u9 g  W9 T 36.5 1 Y& j8 X2 N/ g) I5 u$ V -1.4 0.1 38.0 Toronto 554,700 5.6 / ?# a# g/ r  E# A' | 120,400 56.2 -3.8 , V, _* f# @9 i8 s4 R: `+ e2 q 0.1 1 h6 t4 V, |1 _6 O) F, p 53.4 Montreal 2 h. x0 N% _' Q$ E2 s- ~! U 335,300 8.9 75,800 ' {& i; f+ k) A+ V 51.3 , A5 p$ Z9 T' J4 k& u# ?6 Z# b. J& M -1.7 3 F, y+ W. o1 I0 J1 L2 p 1.7 : I% W' w0 }" b8 c% u 41.7 ) P4 C$ `; n0 @$ M" s0 W Vancouver & n$ M9 }: i2 y1 X' i 766,300 8.4 ( c0 U8 c2 r$ G  i3 J 149,400 5 q+ z1 w, R+ ^0 E/ V4 J 78.1 % ?/ U$ Q7 z7 Q$ L6 N6 g9 {/ x5 b- d9 S -4.7 2.0 " c5 m5 @- U) |, j+ h) N2 ^  `- L2 q( ` 62.6 2 K$ C# C& T5 k# B  g Ottawa 1 F( H: o8 A$ p5 e6 q4 q 350,600 4.8 86,600 2 I, t" B. P  w: w: F6 Z, S( u. T 40.5 1 u$ {( }7 H! f: s# [ -2.5 0.0 39.1 Calgary 6 h1 h# y( r7 H$ R( z& x 410,500 -1.0 86,700 37.9 5 e. k" [% m  d1 C4 c9 L -2.3 5 V4 d0 J7 S3 S  x' f4 R. a -2.6 * A4 l  G  w5 i3 S. p% N2 U 40.3 Edmonton 362,500 8 p2 Z  f' J9 n$ G+ Q6 G 1.2 82,500 ' a# L4 C6 c- P" }' n 37.0 " B, F- v3 C1 C* p* M! z -1.9 -1.6 37.0   |  \, R$ t# [# r8 ]( u% t Detached Bungalow Average Price 2 ^  S  v: @; f* o  l9 c0 U$ o ! U  \' z& B( U5 M RBC Housing Affordability Measure Region 1 B$ \0 c# r* k8 R& X) w" B8 n Q3 2010 " _! |- h# [& u5 U($) ( v3 g# k% I% m# U3 G$ w Y/Y % ch. Qualifying Income ($) ' G; t  l/ H7 Z! fQ3 2010 0 g1 v, M) A6 [ Q3 2010 (%) $ y1 d; C9 A! k. s0 d) V% R: Y Q/Q Ppt. Ch. + T; U7 N# I8 P% a' `# S Y/Y Ppt. Ch. Avg. since - n+ O' Z+ ~0 I) O# P'85 (%) 0 A; t. i! W- n1 L" R1 q5 V Canada . C0 A, D+ n8 t4 H" A( \0 N7 |/ ^0 U 325,300 6.8 - }% ?0 v; h: c 72,500 40.4 ( b7 v8 i, Q5 Y  T; g1 }; f -2.4 0.3 39.0 British Columbia 544,700 8.5 108,800 ) @  C7 r+ K2 X# A/ u 59.0 / c/ w* t, ]4 e; l& N, H; W% J -5.0 1.5 # u( O& C% }& [$ R' i2 b 48.9 " w. `: U: e0 G, y1 _ Alberta . X, y% h2 m% `, [ 340,500 2.9 74,400 ! e% ?. w4 ~/ \) V/ c( A# f1 i 32.5 -1.8 -1.2 36.1 " R/ g0 X  M# `/ q Saskatchewan 312,400 6.3 8 [2 w! t$ `( U# d$ |- ] 70,900 39.0 % q; S8 j9 z, l. O. O+ i -1.9 & j$ p7 O$ H. K8 A -0.8 0 ~, U5 n2 e8 w  r; D; b$ f 36.6 Manitoba 9 g. q" u$ D+ T" f7 n6 R 251,000 # _8 z" d  a# P* B 9.2 60,800 34.7 * o. k4 N9 U" h- E7 d( H3 S& ]5 f -1.4 1.1 " T! t4 x2 Q9 l/ X3 z# ` 36.8 1 p2 I1 |) Z+ H( i7 G, `) N Ontario 337,400 # W2 Q' _9 M' g 6.1 / e4 R& K: M7 K' g; p! b8 w 77,900 38.9 7 x2 K& w( a0 }' o# }) J -2.2 0.2 1 k4 j% f' w! m+ v8 {% i, W4 ]& ` 40.1 5 Z4 _, m7 Y+ }* F Quebec 221,600 " I% L% ?: R6 q! X; B" r 9.3 % N2 V1 V2 E. g/ O1 y 51,700 35.0 " g! ^1 ]( W' M! Q4 x& ~ -1.4 1.2 32.9 Atlantic - L1 H7 f7 M0 h& [& K 196,600 % D, k# W  @0 P6 e5 N/ \$ Y 2.3   ~5 G1 }4 L6 \; U) M 48,200 ! L- O- X- ?/ `- {9 z+ U 31.4 -1.0 & p* n9 K9 K9 A/ e) F4 f  ] -0.4 31.6 - E2 t$ |8 _7 k2 J Toronto : K6 u$ p) A/ P" r7 W) u  u 466,600 5.0 101,100 & U# \, Z5 z) B( W+ o! B 47.2 -3.0 . Y$ e: {5 b: A/ r( v -0.1 48.2 Montreal 271,100 11.8 6 u2 w2 R1 X5 W9 O" p: V# X 61,600 41.7 -1.3 2 i. M& Q1 t0 {4 |2 B7 a 2.2 36.9 Vancouver " V6 ?- j2 r) U- U! Z 672,500 5 U5 a  U; k4 V  J" {3 X, m0 A 9.7 & S0 v2 p. n$ R7 I$ Z4 a4 Z- C 131,600 ' {7 p4 T. c" J2 n! z 68.8 ; X4 b$ D: q8 V6 j$ h9 g# } -5.4 2.4 8 h$ N4 e2 O) F5 F. m 57.3 & \& R/ E% h: r( f$ g/ Z2 O3 k/ I Ottawa 340,800 % v6 `! }2 h' }( z, T 3.4 81,800 38.2 4 J. ~4 C# u5 m3 ~# L$ ?! {( [6 I -2.9 " F& }( P! u& @0 b' W* S  X -0.5 4 e% d8 s( c# O2 o 36.6 ( T$ X& t: H, ], P" U, q Calgary 412,700 $ ^7 d9 R/ v% f, G5 d+ d) A 2.7 + [6 M0 r% r  z: R 85,00 : c$ {' r5 {3 U& K 37.1 -2.0 -1.5 39.9 Edmonton 322,900 ( f- g  J# c; \5 g: ~7 j, r2 Q" H 5.4 - V5 @' B' W$ K 72,900 32.7 -2.0 -0.5 6 U/ p9 N7 h% h( H/ c6 ^1 Q 33.9 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

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) r) `: U" B' z' r/ ^$ X9 A8 z快讯： Federal Government's Mortgage Insurance Changes

3 q$ J' a2 R( i! QThis 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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These measures include:

Amortization period capped at 30 years
Reduction of government backing for home equity lines of credit
7 M  k! r3 \& hMaximum refinancing reduced to 85% from 90% LTV
There are no changes to down payment requirements as CAAMP recommended.
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9 N1 L: Y0 F9 H9 ZCAAMP will continue to update members on any new developments.
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% X/ O5 g1 _7 W1 t' jFor additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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