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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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Tuesday, November 25, 2008 & V0 Y; e% \( t6 y4 X
: j" A" c) y" v! g! w: g( p CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones:
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5,250,000: The number of Canadian home owners with mortgages.
8 z9 ` H( P, j+ W( ^29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months.
7 t, Q9 A) R: |86%: The percentage of people renewing or refinancing that stayed with their existing lender.
8 V6 ~. T5 g+ X3 j1 Y$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average. 6 J* i8 {( _, O9 j, b
22%: 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%.
2 M7 c. o6 @* f7 W9 e$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. 6 y, j1 y, Q4 J, q# s+ g
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. ; R3 z) H1 l' `% P8 `4 {: S% k
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%. 9 E+ o/ F6 G! D" V( f
0.40%: The average interest rate improvement realized by people who refinanced in the past year.
+ I6 b) _8 p5 I" U6 G" p6 R1.59%: The average discount off of bank-posted rates. 2 E0 K0 Q0 c, Z0 w" z* f" M0 G/ C+ R
1.96: The average number of quotes people get when shopping for a mortgage.
6 r# ~! N* m, ]6 r9 I1 ^: e0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year. ' l3 U9 }: `4 M6 i8 n& i
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009.
`+ W8 d9 K5 W0 ~6 R$ ]0 D36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
: x* b9 s7 D! hPeoples' favourite mortgage terms:* y4 }% ]- B2 s9 {0 d- j4 d
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1-3 years: 29% of borrowers
" m5 Y+ ?1 I$ R; n) _( B4-5 year: 61% of borrowers
* T, m0 d8 J. z8 Y, uOver 5 years: 10% of borrowers
) m& `" S% a9 C, M+ s: GCAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.1 l6 L- g! b. _- z! @! a- }4 i( x
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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.
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" L$ s: u' l% v- V3 c4 cWhere did people get their new mortgages this year?* L/ W. p7 u+ e8 E" j
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Major banks: 47% ' r0 c1 w5 [' [
Mortgage brokers: 35% 1 E. p$ M9 o' H4 b
Credit Unions: 11%
& X3 P, x' c% q4 ZOther: 6%! K6 m- z7 n9 l+ Y
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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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