 鲜花( 65)  鸡蛋( 0)
|
楼主 |
发表于 2008-11-25 15:19
|
显示全部楼层
Canada's Mortgage Market - CAAMP Report
Canada's Mortgage Market - CAAMP Report L1 g% d4 m- C0 ^# k; c2 W
& R) h6 T3 }$ L) h3 bTuesday, November 25, 2008 " q% R5 r3 y* |9 n6 X, z h6 A
\4 a w3 c; O8 m CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones:
8 O. B( }( A$ [
" v0 L! I$ |" o" u \5,250,000: The number of Canadian home owners with mortgages.
8 ]6 s$ Z3 w$ P4 Q% f! r* ]% K# m1 l7 _29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. 7 o; J3 W; z' t4 L, ~7 M/ o' a$ Z
86%: The percentage of people renewing or refinancing that stayed with their existing lender.
4 j* V1 n( ?- Z: x M2 c$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average. / L, ]* |% n' ?3 }9 s4 L. I3 u
22%: The percentage of mortgagors who took equity out of their homes in the past 12 months. People are spending more because last year it was 17%.
7 R* |) f; j! |$ L$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation.
: M* e7 P4 A, n# M% m% g7 A m% i50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. ' y" R, ?- I: M* u' S
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%. ; g* W" C- U1 [7 N. Z) D
0.40%: The average interest rate improvement realized by people who refinanced in the past year.
% T" }- _6 Y8 L! ~; P$ a1.59%: The average discount off of bank-posted rates. 5 Z# d6 T/ b- n8 i* z
1.96: The average number of quotes people get when shopping for a mortgage.
5 @: ?4 T* Q7 {# B0 X! ^. u3 X0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year.
$ Q$ N, A/ x* j! h5 V+ i10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. 2 C3 Q' r) A- J/ w1 d& w
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared. / L o% v' h7 m8 g
Peoples' favourite mortgage terms:, A, Z" }7 A! Y0 A
6 I' b- l4 [& ^& O0 ~; Q: W+ G1-3 years: 29% of borrowers " v6 ?+ S5 y2 ~) j
4-5 year: 61% of borrowers
, L, u6 x) x2 D) v$ _9 VOver 5 years: 10% of borrowers
% I% y; ~" \9 y! o, \5 xCAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.6 {6 m* W" X5 H
; Y2 W2 V% T9 [; y' {. l9 { K9 AThere'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.
( v- B$ h; m( D3 `
/ ^2 _' \) ?0 V7 ~Where did people get their new mortgages this year?$ C& m* y; f. T, y1 b
9 O. {( V7 R3 H% l
Major banks: 47%
) O; z, D5 U3 WMortgage brokers: 35%
& P2 C) U* D' W1 t, kCredit Unions: 11%
+ n! Q) k5 G" t+ S. UOther: 6%8 \+ V/ `# A" \! n$ P7 U% G7 S
|
|
楼主: 郭森房贷
狗仔卡
发表于 2008-11-16 20:47
显身卡
