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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 2 Y4 j' o4 A+ h; h2 ]
7 e! `5 D" f8 r+ p+ l- RTuesday, November 25, 2008
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! k& I; E! v) {. {' |! w/ L CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones:& N7 j2 F: }1 i' p4 K* q9 v, }
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5,250,000: The number of Canadian home owners with mortgages. * y4 \# V0 H3 _/ w6 x. N/ y$ N7 k
29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. 2 |2 d$ S$ C- X' I( X1 V& y, P
86%: The percentage of people renewing or refinancing that stayed with their existing lender. % {; K" s1 Z ~
$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average. 6 F+ b9 z' S* x, p1 }
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%.
$ r* ^ i# t* O% A2 F% Q+ v- b8 F$ B$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. + p0 T) O/ _$ i! P+ F
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years.
, t( a; d' V, y' ^/ f5 j6 q2 w5.41%: The average Canadian's mortgage rate. Last year it was 5.56%. 1 B$ b* s$ i; b
0.40%: The average interest rate improvement realized by people who refinanced in the past year.
( |- |( A! O: f8 B! B1.59%: The average discount off of bank-posted rates.
4 a5 S$ _$ U* b) o8 d1.96: The average number of quotes people get when shopping for a mortgage. ' G" d4 c/ A) Z5 i- h" z. Y
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. ( @$ p0 _8 S* Y
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. ' N8 K8 _, Z r4 @1 R2 G
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
7 D: p7 Q D, a2 [8 K- ^Peoples' favourite mortgage terms:4 ^# f9 L5 W( T7 k! O
3 \+ k$ i4 ^: @$ h1-3 years: 29% of borrowers
( F3 ]9 s$ g& N% ]0 B% w" J) r" i4-5 year: 61% of borrowers
# |' I6 T8 [4 f, r6 ~Over 5 years: 10% of borrowers
9 M( W8 ?4 g. k- TCAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.
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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.4 W8 W' X- R+ n% d! f ^( G& r
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Where did people get their new mortgages this year?& z. e& u) h w
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Major banks: 47% - s& b$ r5 T6 A8 a, _
Mortgage brokers: 35% ' n6 e0 G+ k& ^3 W! z" y
Credit Unions: 11% ; [) i7 y* h2 z: w" B
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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