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发表于 2008-11-25 15:19
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Canada's Mortgage Market - CAAMP Report
Canada's Mortgage Market - CAAMP Report
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$ r! Q Y! ^/ G; Q- Q+ r+ [: Z) \Tuesday, November 25, 2008 2 r, ^' D) D' D3 q y
; n" X, G, t% c CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones:; i5 ^4 S+ D0 \! [7 A: b
& b& R3 ?8 T6 _. C5 O5,250,000: The number of Canadian home owners with mortgages. 3 `! D2 v# ]- ~! ^; o; ?
29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. " V1 w" @/ Q' n9 A1 S$ Z( O) `
86%: The percentage of people renewing or refinancing that stayed with their existing lender.
1 v. |. L; C% e" c; q$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average.
; y! q$ X0 {* ~- \4 L22%: The percentage of mortgagors who took equity out of their homes in the past 12 months. People are spending more because last year it was 17%.
1 X9 m! f. v, w7 v1 o$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. / p U4 v. K g0 m9 w5 S% U ~
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. / j. I3 Q' B$ S( O- h3 ]
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
R7 _6 B( M. G! E- Q9 x0.40%: The average interest rate improvement realized by people who refinanced in the past year. 8 d8 c+ |; {4 [3 v+ V
1.59%: The average discount off of bank-posted rates. 0 R I5 {3 }1 U/ K$ N. E4 Q
1.96: The average number of quotes people get when shopping for a mortgage.
, i( L; X$ s. {+ \* J i$ N3 s0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year. ! ]+ I( Y4 s6 |1 O
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. 0 z2 k6 |6 ^, P
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
- ^1 U6 k+ w. k* M! }6 r* oPeoples' favourite mortgage terms:
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% F+ Z- W- r1 t a8 t: G1-3 years: 29% of borrowers . H) @' w4 W$ m
4-5 year: 61% of borrowers 7 q0 { q n; {' A% N8 S
Over 5 years: 10% of borrowers
w9 r8 Q1 U; B$ ]7 q8 vCAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.! E$ q/ e( { i: f" Z1 @ R8 f
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There's also a big trend towards variable rates. 40% of mortgages were variable in the past year. In CAAMP's 2007 report the number was just 21%. CAAMP says that's because "consumers may be expecting interest rate reductions." We'd also like to think they're becoming more educated about the long-term advantage of variable rates.! a0 t W& _. x) g
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Where did people get their new mortgages this year?5 h7 O& X- D+ u9 }0 u* w" f
* Q2 I* S* L- P5 ~Major banks: 47%
. H J) O8 ^8 t: S7 F, {Mortgage brokers: 35%
2 T, D, h' ~3 s2 N" ^: `% zCredit Unions: 11% . {- G. I2 x& E+ g8 |( Y
Other: 6%) ?% s# k. @5 V# v+ O7 L# n7 P
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楼主: 郭森房贷
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发表于 2008-11-16 20:47
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