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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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, e$ i* r/ e7 i+ x# aTuesday, November 25, 2008
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8 J& m) X5 p+ X, d 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. 5 ~- E7 p& S* @1 l# e- r
29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months.
9 V7 E5 E( p8 j' M# l' q; i5 v( p86%: The percentage of people renewing or refinancing that stayed with their existing lender.
9 w( @# e; ^8 q8 m. Y Y$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average.
, d! T2 J6 R7 W7 E! d0 C22%: The percentage of mortgagors who took equity out of their homes in the past 12 months. People are spending more because last year it was 17%. " |9 Y6 B$ V8 J0 s3 K
$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. ( A) [4 Y* {8 _1 x: ]( e5 L4 l
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. 6 a. S7 d0 [" o8 \* B
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
" s* L* Y' J5 j! G' F) c7 n6 v0 P0.40%: The average interest rate improvement realized by people who refinanced in the past year.
1 H$ c& f( k. o8 Z/ [, G1.59%: The average discount off of bank-posted rates. * a! C8 ~# ]) {
1.96: The average number of quotes people get when shopping for a mortgage. : y1 H& r' Z8 k( z, C# y8 s
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. : `* k3 O- P1 c4 P
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009.
$ f' X2 x% k$ ~0 g: a36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
& W9 D `; Y8 ^8 dPeoples' favourite mortgage terms:
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1-3 years: 29% of borrowers # P; G. K0 b$ z* F* w
4-5 year: 61% of borrowers
, Z& M3 q1 n8 G# U, VOver 5 years: 10% of borrowers
+ k. ~6 i* j2 v! i, m1 _CAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.
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9 w6 y' l( l$ cThere'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., C* ~: I7 L0 w( f( X
4 K& T7 s. o1 ZWhere did people get their new mortgages this year?; ~5 L* @1 b5 {# K* a" u
( t' T& K+ o$ v8 m' ` qMajor banks: 47%
. y5 \8 d/ b Y7 C) UMortgage brokers: 35% # p! w6 A* m! n3 m/ b# |3 ]; C
Credit Unions: 11% 3 \# Y+ {( [( U) L& u
Other: 6%
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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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