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发表于 2008-11-25 15:19
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Canada's Mortgage Market - CAAMP Report
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; u0 s6 U0 C, d/ p' p+ nTuesday, November 25, 2008 5 X3 P7 T* Z, ~3 F Y! w& m* Q
+ G2 N2 u; E$ n+ p2 J2 [ 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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4 Z% v5 R4 p7 Y O" N" ~2 Z; ?' p5,250,000: The number of Canadian home owners with mortgages. , ` B. \* D3 y8 z
29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months.
2 A, w; Y' l3 Y% G& K, D' R86%: The percentage of people renewing or refinancing that stayed with their existing lender. 0 L- s0 Z3 m4 j% d
$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average.
8 O0 Q' i1 [0 \: w3 F: h( H22%: 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%.
; b3 h# w+ P; B2 w$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation.
' a/ u) d% G. X" Y1 h50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years.
& c- }9 v& v* j5 @# I; o2 Q5.41%: The average Canadian's mortgage rate. Last year it was 5.56%. 9 e/ z, N; h$ n& ?
0.40%: The average interest rate improvement realized by people who refinanced in the past year. : a: H" ~, C$ H. g) W* M
1.59%: The average discount off of bank-posted rates.
( _( Q+ f/ K: k6 e; |8 \1.96: The average number of quotes people get when shopping for a mortgage.
$ ]( O% Q* r- N0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year.
3 ?. u* n# B" o7 n; i10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009.
/ H; U7 E9 J# ~* y1 K36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared. $ a$ S& q( O* \+ t
Peoples' favourite mortgage terms:0 D9 t0 q$ \1 M# i
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1-3 years: 29% of borrowers
* d% V$ N0 |5 W& \+ h3 x4-5 year: 61% of borrowers
) t4 C' R$ c# \Over 5 years: 10% of borrowers
2 D( O% E* g# [) _: c4 RCAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year. M* Q* |3 ]+ V( _( q5 B
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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.2 ?$ c- r0 Q) |) c0 C' z
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Where did people get their new mortgages this year?$ _1 \" @% d- x
+ D) Y+ G' y7 `( G, @9 @" pMajor banks: 47%
4 C1 f9 b( \8 y) P7 N* JMortgage brokers: 35% 2 i7 c1 J( m% V# t, x% o$ ^; P
Credit Unions: 11% 5 D3 k/ B. {" E G5 E; P
Other: 6%
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