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 September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada 2 b4 Z7 w* U( M& D) cBank Prime Lending Rate 4 S! f# u- d/ B * b( t+ k. P# c) Z9 K, A September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date 4 D' C9 T& [/ a$ f2 M, NSource: Bank of Canada ) U8 X5 U& B5 Q; @ 8 h& k- J8 y" u5 x Conventional Mortgage - 5 Year Rate* 4 _4 U+ b% E8 B* }- X! M September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 2 j3 q& d" g6 b) q! r 5.44 % Source: Bank of Canada " Y1 ^- y% R1 p# G7 j*Determinant for high ratio mortgage variable qualifying rate 6 L% i- M$ \( j& z ' U) p/ g& l/ u' ?. u : \# _' o+ |$ S# V  ^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 ) y: f6 s6 x" ^6 H6 FSource: US Federal Reserve ) t1 X# ^! S/ Y& L' c ' p2 i2 b( @3 A5 ^$ q % Y% i* F9 Q5 n  f0 u ; E1 A# U, O4 F4 ?5 A Exchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada 1 ~& W4 h1 t/ t4 C9 z7 |5 F 1 x9 j9 A% W& N9 W' P# mGovernment of Canada Bonds ! t0 d0 ?; S7 P6 K9 {# H Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1 @: E6 V8 s/ e) k% i1 | 1.21% 1.27% 1.39% 3 year Benchmark Bond Yield 1.59% 1.73% 1.94% 5 year Benchmark ; g0 ^7 W7 A* k$ aBond Yield 2.06% 2.20% 2.48% 10 year Benchmark Bond Yield 2.89% 2.98% 3.19% 4 ^6 x  }! H  C0 T1 X1 h$ @+ lSource: Bank of Canada 7 h# F: l+ n  K5 n: E+ v, J : X0 P) x2 Z, K! P: U, y & O9 q# D7 f* o0 n9 w" o0 e# G" i$ u : n  i* F( S- g. }) ?7 r- t Total New Housing Starts (Seasonally adjusted and annualized) 1 a0 k3 p2 N6 a; Z. T4 a; M  V Province August 2010 August 2009 September * V! r3 p: q. b) N( V9 x1 @5 o; ?2010 September + ^, t) o4 l6 W( ?. I2009 October : \# c% u4 s6 L6 Y2010 : O' o4 G$ \9 N$ t% g8 H/ w' l4 a October " l" h; C/ y. M% D2009 5 j9 X, D1 B( k/ |8 e6 W0 ~7 P3 P Newfoundland/Labrador * N9 I0 L8 H4 i- f4 ^& t 3,500 2,400 3,100 ; R5 J; {) p- _6 c 2,800 3,400 + G: C& Q4 t0 e9 Q2 K( S* t 2,900 PEI " ^) @! n4 f) S8 Q+ A 1,000 1,000 500 700 400 ! I0 c" \4 Q% F: b9 d4 J$ Y 1,200 3 G" u. g% w" E! g Nova Scotia 3,200 4,200 4,100 3 i& T& v; i( f$ S. D! ~9 r& Z8 t 4,500 4,700 1 u5 S0 z: t: V6 z, n 4,000 6 K- O- c4 s. A; O New Brunswick 5,100 3,700 & L3 ^9 _: j' J" E 2,400 2,900 " h& g4 ?; q6 U$ {% F 4,900 % m5 R' W/ q# L( Q9 C 3,600 ' J9 J/ W3 S  H+ p- A8 } Quebec * o, k: A9 J3 ?  ?. V! e4 @, l 48,300 . k; ?: |' }- l" h" s. g2 T 47,300 : ~0 F1 k$ ~* b 50,700 * k; n1 G0 j# ]! z  Y) M7 e 41,300 4 J! a# p# w0 @* \5 H' | 48,600 37,200 Ontario 64,800 44,200 58,000 50,200 7 q0 k+ q1 M; H 44,700 ; m+ o3 k' _6 B: \" W* p6 v: ?! x8 e 57,600 Manitoba ( S" a3 H% s) L9 N 6,100 & C5 R' F) H6 G2 {) k 5,000 5 c* @$ D8 U% Y4 ^" [" x' [ 4,000 4,400 3 {* d$ j7 f7 d5 b4 \4 A$ j 3,800 4,200 Saskatchewan & H. A1 ^( H/ B  _  Q5 l4 L( q 7,700 1 E$ t8 ]+ B" Y 5,100 5,400 3,700 3 A0 u7 [- n/ d! ?! k8 F" J+ j 4,700 3,600   j- ^* H: t- m/ C/ l! a+ s Alberta 23,500 18,400 27,100 . J. d% u1 f+ F$ l0 n3 h/ L$ ]! D5 j( A 22,600 25,200 # `0 O+ h  J) B/ v; o 25,000 British Columbia " n: J8 L, R& @- K 27,800 19,200 $ C) M+ `; P. |+ S  u 29,700 1 @/ D: ?- p" {2 y 16,200 27,500 18,200 CANADA 191,000 150,500 * e% q: p, z" Q& Y7 ^: C 185,000 $ e3 K; y5 ~. V6 M: G# v! D* w6 N 149,300 + S, L4 ^& A+ K2 J 167,900 157,400 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. ) u+ f) D3 p. H8 F7 b Average MLS® Resale Price for Local Markets City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 4 H, A! i  j& K2 @; k $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 $343,747   j* }: R) _/ G( S/ `/ X- RSource: Canadian Real Estate Association " M, J5 y1 }' {5 o 3 d7 m2 P$ p. }* D" K- M # i4 X  j7 V  \2 |1 l 2 y4 Y9 x% R! T9 I3 w Quarterly Housing Affordability Index   Y$ N% Q3 F. |% g6 E6 C+ w Standard Two-Storey 9 k4 Y: d! B. C 4 |) p& [' B2 b' y, I: o0 ^ Average Price & s  W! L; |4 @5 m; i RBC Housing Affordability Measure 8 @' z' S! z9 d, ?& _9 X Region 1 y) ~# E) `5 b Q3 2010 , U1 j- |5 B/ U/ O1 S3 G9 G($) Y/Y # G; L. v9 p( _; h' s7 |% ch. . `# X% c8 f$ g9 N& H Qualifying Income ($) Q3 2010 Q3 2010 (%) Q/Q - E& @, R3 @+ WPpt. Ch. Y/Y 0 l; X' Q, V- ^6 `& IPpt. Ch. 4 N5 c# Q4 l8 n, q Avg. since 8 @. U5 A4 g/ t% K. v3 w'85 (%) Canada 6 b1 p; K0 |" C& L3 k, c8 y- ~8 }- `, z 370,700 ' ]8 c- [) Q/ X 6.3 * B  G. w7 N8 t4 r" g 83,100 6 Z& [& Z5 D% b, d6 S- r$ \ 46.3 -2.5 0.3 43.3 / |6 b; `+ A" `( w British Columbia ; A+ z: T2 G, [6 {) R  n6 [4 n$ l 624,800 8.0   r1 c* ~% b6 o 124,500 : ~+ w  v- E  O8 |, J1 \" P 67.5 * m2 [" z) M, Q4 P" P0 S -3.9 1.4 54.1 6 U: h8 Y. e) D8 P$ G Alberta 365,600 * m, p3 P* [1 M$ y4 K 0.1 + @+ g0 `! a  a# E6 }+ W( }, o, t 81,400 % N5 P8 Z) k, M" G 35.6 -1.8 9 P" c$ T9 [- d7 \ -2.0 6 d0 X+ Z# z- W, n9 g: g6 O4 X 38.6 ; N' T& b6 E% V. ] Saskatchewan 315,300 " L- |: g9 _# s9 L1 `2 Z8 A 5.1 74,100 40.8 -2.2 -1.1 38.0 4 X! Q  }) h# M' s2 d Manitoba 269,700 7.8 65,000 37.1 : X4 ?/ P! s+ {# I4 D/ c -2.3 0.8 37.7 ( L+ ^. f) d- m9 ~# g) x8 K7 _$ _ Ontario % p8 c3 |9 D5 f6 O2 } 388,200 6.2 89,800 6 s4 N, i7 L  ^$ |' `1 S, y# X 44.9 -2.4 0.4 - p5 R3 g  y) x4 p+ _2 C 43.7 Quebec 262,100 8.6 61,700 41.7 -1.8 1.3 1 i8 m! D% w! }8 S& ~ 38.8 Atlantic 6 M5 P; D! p# |! n) l 222,100 ' D/ ~8 [! ~. y- r2 c1 P% p 4.3 55,900 ) ]3 Q* {$ L% }) J- `1 k 36.5 , U+ S$ ?( e0 O9 Q" t% ~ -1.4   o8 k% O" g& W( d* N) ?. |2 X 0.1 38.0 4 c" v8 X  ~' ]2 |7 t/ K9 T9 |8 b) h Toronto 554,700 ) z. U# k  e8 X" ?5 x1 v 5.6 , H8 @/ c  C0 u) A1 L, L6 p: a 120,400 % @+ N' H. g- ]( a6 Q: e 56.2 -3.8 / }% D( ~6 _) M- F2 J 0.1 2 z( Y/ _( I( s 53.4 * w) @3 U  l/ \9 z( j" }. O+ q Montreal ; H( G* A* E9 v" w, o# e 335,300 8.9 . m& q# R7 E0 J 75,800 51.3 & F4 Y0 J' _6 O -1.7 ; ?$ S8 |$ N  L0 ^6 F 1.7 ; {$ ?, g; h( [% v/ T/ z 41.7 Vancouver 766,300 , v( p2 x) n6 U5 ]' Y. I: `" Z2 p 8.4 ' E% o, c# B7 S+ M& O" d; { 149,400 2 r) c- a8 Y. k6 A+ s 78.1   L' r; ^3 G9 \& I -4.7 6 o6 u* ?- j$ _/ a 2.0 ! [% E$ F' r7 s7 `( u2 Q 62.6 Ottawa 350,600 $ h4 `' e5 u) T' O# g* } 4.8 86,600 ! P# i8 h1 }& t% c) F3 D 40.5 -2.5   Q% d# h8 w$ V2 C7 {' q 0.0 39.1 Calgary 8 n/ V# y8 t* d) A; s+ K' Y: h 410,500 $ [6 y9 q; l- b4 p5 ^  X) B -1.0 ' R3 n  y% C2 Q; _- h 86,700 37.9 -2.3 -2.6 6 U1 z' {( V5 H6 f; ?" r4 v 40.3 3 L0 a+ e4 x5 j0 k$ j6 p Edmonton ! [5 N" I# |. w* y  i2 G6 K1 M 362,500 1.2 82,500 : y2 J& b2 g3 m5 W 37.0 -1.9 -1.6 ; [3 W* f4 i' e 37.0 Detached Bungalow Average Price " V: O$ z. ^4 Y5 d/ J RBC Housing Affordability Measure # b% s( X' o5 e9 w Region Q3 2010 ($) Y/Y ) p' p. g( h& @( A& D! [% ch. 0 T. H6 g3 g7 @5 F0 j) R4 { Qualifying Income ($) Q3 2010 ; F# G, J8 a7 X2 |6 C Q3 2010 4 M2 q2 w; |( G4 o(%) Q/Q 3 ~% A) A0 T1 L5 P! }7 e2 JPpt. Ch. Y/Y Ppt. Ch. * W2 S* |# F' r Avg. since '85 (%) " g9 p% j6 l6 E1 Z. J Canada 5 o8 h/ k; `/ H- L4 J5 R 325,300 6.8 , O9 F( {  p& Y) R" c 72,500 & ^. J( ~* T5 R3 o! q0 u. o) L 40.4 - N1 x& W7 e9 A8 s) Y. P5 o; L -2.4 0.3 39.0 / @" X+ W2 K: i# V8 A5 f British Columbia 544,700 / }' K% W: g! L; P 8.5 7 d. P/ J3 U( j 108,800 * f6 b( }% {2 D; h; X+ E6 e 59.0 ; t7 q" P9 Y" ^! _8 `, R* \ -5.0 , B: `/ F/ l' J* }0 a5 \3 W 1.5 48.9 " y8 ]6 y  m8 \# r6 S8 C Alberta 340,500 ; W! B; T+ c( B. {  H 2.9 ' v/ W; B& s; Q% r 74,400 ! a" h6 u7 ]+ |# H 32.5 " x& k2 ~% z" ] -1.8 8 E2 u% m! V' H: G  M) Q$ h -1.2 36.1 ' ~3 f4 M4 G5 `" g- R) @* n Saskatchewan 312,400 4 O  ~7 \+ W2 H9 u4 p- h: }( w 6.3 70,900 ( w! d3 j4 r6 b6 I5 p; r0 T  k 39.0 * g2 H9 B5 y, O( A/ [ -1.9 -0.8 5 ^% |8 H5 ?1 O! G! C* _& R/ W 36.6 4 L5 ?8 z) V  [4 T$ F- f8 m8 r( l4 | Manitoba : V* F" C$ t) e# K" `! _( C6 g 251,000 9.2 60,800 34.7 -1.4 ; a; X* P7 l' o! D! ~4 p0 ?! R 1.1 . Y. w+ B7 p  V3 P1 t 36.8 Ontario ) s# C7 a8 N% {: ` 337,400 6.1 77,900 , p% I8 z: H; E! q. Q% }5 W 38.9 -2.2 # x& e9 Q% ]9 a/ a 0.2 40.1 ; Y3 \5 x8 U8 E7 a Quebec ! N2 u( @* W8 g( g 221,600 8 ~7 k4 X/ u4 I) l 9.3 51,700 35.0 -1.4 ' S2 D* Z. [/ U6 U  D) s+ P 1.2 32.9 Atlantic 196,600 2.3 48,200 % z% e0 |/ f7 y+ L7 E2 y, x6 e& Z 31.4 -1.0 , ^3 f9 P2 T2 M+ m -0.4 31.6 * f9 y6 i8 I: H' D; E Toronto 9 \7 d. N6 J- G2 E% D' Z8 W$ j 466,600 5.0 # t6 z( h9 H: D+ e 101,100 47.2 -3.0 -0.1 % ^9 S+ i% b( E& e 48.2 7 Z2 K6 f, D: e2 J Montreal ! Q$ \' w& @* C/ z0 h8 V8 q8 g 271,100 ' j: f0 R7 x& [4 B- {" W 11.8 61,600 0 `  |# Y, r2 q! V 41.7 -1.3 2.2 3 ]/ l( A! R9 O* I, Q% I 36.9 Vancouver 672,500 9.7 131,600 * t- h2 d) H' }; u5 h 68.8 -5.4 2.4 ! Y2 X3 C/ E! F9 H. P9 e* i( } 57.3 ! s7 ?0 j8 c+ K2 v* R Ottawa ) |% k' d( l  R 340,800 ( v% D* l; V9 R, } 3.4 81,800 " x9 w$ I6 i' M7 I- t 38.2 -2.9 -0.5 5 I% H5 d6 E. C 36.6 6 \8 K4 t/ s! }0 D$ k% O, E Calgary 412,700 2.7 85,00 4 K$ x* p  a, \" x3 B6 N3 { 37.1 * O& f$ S1 Q6 | -2.0 -1.5 39.9 $ \: @8 e- _$ j% t. P Edmonton 322,900 3 H  L& K( ]4 K 5.4 # O& F/ N- e/ ^ 72,900 " |1 }, k% j6 H' D 32.7 -2.0 -0.5 . S4 L" d& e- h 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. # x+ x: X  J4 U  A# j5 ^

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年轻的心

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年轻的心

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$ p6 W5 [2 C7 A& k+ `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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1 |3 [+ G' h9 ]6 X+ JThese measures include:
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( H1 u& H% [/ M- J. N& GAmortization period capped at 30 years
Reduction of government backing for home equity lines of credit
7 E8 ?" `3 P$ b& [7 ?0 O0 [0 Y; h! |- HMaximum refinancing reduced to 85% from 90% LTV
There are no changes to down payment requirements as CAAMP recommended.
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$ l. S. W5 y+ [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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