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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
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0 k: h4 F" _' U5 Y" d6 z4 e3 [' g( e 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 z# O# d n( K6 O }5,250,000: The number of Canadian home owners with mortgages.
6 q+ @) e; t1 l5 r29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months.
' V, Y8 n6 Q6 v8 [" H3 E86%: The percentage of people renewing or refinancing that stayed with their existing lender.
7 g' ~" a6 C* e$ R$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average. ( C( h2 Y; @( M* I. t5 y3 S
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%.
, a4 k9 p+ a' @/ k7 {$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. ; o5 }4 q& g& B3 K3 E
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. , O: V0 @1 R$ e& y9 x
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
4 q2 g* J @1 o4 R6 j0.40%: The average interest rate improvement realized by people who refinanced in the past year.
' z" [9 M' \7 |- H0 C3 O4 k1 `1.59%: The average discount off of bank-posted rates. , N" l M& J/ C" O
1.96: The average number of quotes people get when shopping for a mortgage. + p8 F! s7 Y1 v
0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year. 3 Q y1 M4 M9 Z$ h( b
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. - r, T# j: G4 D$ Q4 C
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
2 i% j' g7 ^' W; L9 qPeoples' favourite mortgage terms:0 Y% M8 ^* h2 }% B" n: S
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1-3 years: 29% of borrowers
% l: y4 N( Q0 u0 e( w5 q: h, b! r4-5 year: 61% of borrowers
: ^9 n( w9 H: \& [4 ~; r1 sOver 5 years: 10% of borrowers, r, q7 v8 \) B J7 ]# l
CAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.3 q0 j3 I& |, }# V$ S: ^- V8 V
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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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Where did people get their new mortgages this year?, M- f! E* g2 c% u8 h" H8 j
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Major banks: 47%
3 U+ v B( ~" ZMortgage brokers: 35% 8 I( o* M+ Z" Q
Credit Unions: 11%
7 S& [, N& | c8 [' aOther: 6%/ T! Y/ e- X- r
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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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