快讯：Rate/Bonds/NewHouseStarts/...

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Bank of Canada Interest Rate : D9 q, O4 d. A: E) T. d6 x September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada " P$ g% S- [" G6 T& B Bank Prime Lending Rate 7 ~" D  g6 W( [1 H, r( ^ September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada 3 j# r( q6 R/ \% u* V9 l$ i 7 e$ Q7 J/ c6 R: T  L/ o1 j - E( z7 y$ }7 T: a 8 t! E( ~7 H; B. b/ g9 }6 EConventional Mortgage - 5 Year Rate* : @8 `) y3 B" x; t6 C 7 Y2 e" S: E3 n5 w4 | September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 5.44 % Source: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate & K( C8 p" }, L6 W& ^0 Y* x. c' U& E " L; ?, N: }5 G- b. I  g0 D- [ 7 K% M  t9 b/ F) B- u US Federal Reserve Board Discount Rate 0 I! M0 x8 N8 j% B September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date 8 S# _2 ?, i- h& y+ V7 r9 y3 @! oSource: US Federal Reserve / U" ~6 e; J& |8 \" O, i 5 n' V( a: [, Z : y2 O' k0 E; d* \; x6 } Exchange Rate $CDN($US) 1 i! U9 [+ B% |7 Z+ } October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 4 E: y4 ?2 k1 A$ k0 WSource: Bank of Canada / _1 K7 D" P, Z , T" @( x" y) {: J . p% c8 |# T$ ] % X# E, [7 ]6 q* ~ Government of Canada Bonds : J: [1 K' [8 X2 W Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 3 b8 S' `; z$ f6 C3 M" S 1.21% 6 I% \* E: p8 J$ Y5 p- B6 z) K 1.27% 1.39% 3 year Benchmark Bond Yield 1.59% 1.73% 1.94% 5 year Benchmark , T  _# T7 S& I+ i' s/ zBond Yield 2.06% 2.20% 2.48% 10 year Benchmark Bond Yield 2.89% 2.98% 3.19% 0 A7 W7 [; r+ L, j! M+ X: vSource: Bank of Canada ! C7 x7 f* c6 G / m5 {3 ~3 V9 V2 j 0 a$ t0 x; Y/ Q/ u2 T1 m9 u Total New Housing Starts (Seasonally adjusted and annualized) Province August 2010 August 2009 3 [( e1 [8 D6 S- _3 m9 P* T September 2010 September 2009 ( ]- \4 @& P$ y6 j$ {, t October 7 j. ^" M1 H7 j1 Z( h2010 ! x+ d- Q; [5 D October 9 S5 c% y; K" q0 @& g2009 , q0 J9 p! s5 W3 o9 \4 M  |  B Newfoundland/Labrador 9 [. d- P& _9 J/ M% r* Z 3,500 2,400 3,100 : i; t7 Y& A' g( d) Z& c/ P# z 2,800 7 A7 e2 q- h# S) g 3,400 $ H2 a6 x* X! z 2,900 PEI 1,000 2 L9 V0 x( I; S 1,000 500 5 B9 Q; x1 T/ b8 d% Q' j& Y  } 700 400 1,200 Nova Scotia : F/ U' M" b+ e) m9 j* ` 3,200 1 V0 i% w+ E9 q% y$ d1 ] 4,200 7 R4 |; ]. K) g8 }8 r7 T, G 4,100 7 P% O/ J* g$ H! l' @/ {4 D) T$ U3 s4 _ 4,500 4,700 4,000 2 N8 @4 `" v8 g( b New Brunswick 5,100 ' }  o8 D/ v$ L% z- ?$ F- m 3,700 4 W: }/ V& y) Q- s  m, p$ p 2,400 2,900 4,900 3,600 ) p5 F- l0 \3 a Quebec ; L7 h8 x7 F$ ^- T 48,300 : P' \+ F$ o5 W8 K% s" P& d- K 47,300 50,700 41,300 9 l$ r- {) Y. P0 y; x 48,600 37,200 Ontario 64,800 44,200 58,000 . ?$ M% |6 v8 Q! ]# D$ g 50,200 44,700 57,600 2 Q& y7 f7 S7 ~! b4 k9 a1 m Manitoba 6,100 7 _! h  b: ~) i3 ^6 S. N 5,000 " G7 K9 p: W! `* j* }9 p 4,000 4,400 3,800 # p9 R; D/ \% F' H7 O4 k- J$ {0 F 4,200 - ~- ~4 ^" j4 v& |, ?9 T" P  b$ d  g/ L2 c Saskatchewan ! O6 g) g9 W6 j6 D" \& v/ K3 K 7,700 5,100 5,400 3,700 4,700 3,600 Alberta ! [( c4 m! P% n( _$ S" u" \4 ?% z& Y 23,500 3 ^" A+ C9 l8 b- z: m7 o0 B1 \ 18,400 ; H- [6 x- k$ Y+ l 27,100 / Y" x# ^) i; p2 b4 u 22,600 * p# O) }! R- m8 k8 }( I 25,200 - D. m5 f7 [7 j  q( U/ D 25,000 British Columbia 8 N. s$ M0 L8 g! X4 y% U 27,800 ' E4 a8 U7 s- C' [) V 19,200 2 W) ^* N8 ~* d! T3 D3 m 29,700 16,200 27,500 ( A$ A& P. d5 C. G; H  K 18,200 ' F6 `; K2 M- W$ @  E( Q8 u* M CANADA 8 A4 W# P9 N8 J+ |* d" ?4 K: w 191,000 " f7 g2 i. o  y- D7 @. J0 b 150,500 185,000 149,300 167,900 157,400 * j; \/ b1 r1 |) w: FSource: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year. 8 r6 t8 @! p8 u4 U/ p/ e* j6 G 5 x& l! ^8 Q% E 7 M3 \( A4 S) l  W  @. ?) n4 CAverage MLS® Resale Price for Local Markets # y! Y/ k4 H$ N City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 6 {% ]& E9 `) U/ Y! |1 b% } $165,032 Quebec $219,440 $246,918 Montreal $285,100 $309,638 Ottawa $320,561 $305,872 Toronto $423,507 $443,633 Hamilton/Burlington $296,253 $305,872 Winnipeg $210,618 $229,467 Saskatoon $274,759 $293,929 Calgary $393,574 $399,679 Edmonton $351,768 $317,096 Vancouver $638,948 $707,207 Victoria $481,500 $343,747 Source: Canadian Real Estate Association ; N/ U; L5 n1 D" @  ]3 C7 ?/ i5 N * q; u6 |; |5 `4 M ' o, ]6 T6 G+ [/ h! O8 cQuarterly Housing Affordability Index - ^+ Z) c  r2 Q2 r Standard Two-Storey / N8 h4 u5 I  h  k Average Price RBC Housing Affordability Measure Region Q3 2010 ; [0 s+ N9 }: S8 j3 e; B($) Y/Y % ch. Qualifying 2 K& R0 H$ v9 x( P, C2 G* iIncome ($) ' @1 d1 c. Y9 r* ]' |% c* @Q3 2010 Q3 2010 : \2 y1 J* F, E5 f8 u% r(%) ( s3 M+ R6 A: ]/ _, o+ P& p Q/Q Ppt. Ch. : b2 k# q9 f( {9 h$ M! q- A Y/Y Ppt. Ch. Avg. since '85 (%) Canada   J/ ~: u! F3 W9 B7 l- I# v 370,700 6.3 83,100 ! C6 Z" N$ d* a' P 46.3 -2.5 # {: s% B  d8 a6 Q8 f9 F6 a. L! w3 w1 N 0.3 43.3 British Columbia - O/ N0 h1 g  _0 z7 [7 h! o* u 624,800 8.0 ; ?" X. i' v4 { 124,500 4 R. d; u7 H( p& T$ z/ V# L( U5 Z 67.5 ( X" c8 ]  w3 ]: y2 c) g; }9 c -3.9 0 W; h$ I2 R9 s0 z$ m2 Z% A 1.4   M- ~$ h' R9 w  c' `5 k' j* f4 F* H 54.1 Alberta 1 i; ^- n6 {: H 365,600 0.1 2 R4 X) c$ ^6 D( y7 r 81,400 3 ^; G, Z. j0 I 35.6 -1.8 ) D5 a3 B* D1 B, T. W% p4 T; _( E -2.0 $ A, F2 d5 \8 t. I4 q# g- L 38.6 Saskatchewan - y, F- o( @" p2 o. H 315,300 2 U3 d% m! \) |% i$ t  W4 m% F 5.1 74,100 # B2 \. d  T8 D0 }4 K% s 40.8 -2.2 + ]: d% w  {) g -1.1 38.0 ( D/ x6 o7 ?! \ Manitoba 269,700 7.8 8 K7 @( X1 U* b* G9 N 65,000 , q5 N# [& z" c9 b, c0 y 37.1 -2.3 6 N1 |  P6 k  A4 x5 W7 } 0.8 $ S6 m5 e8 F7 e 37.7 Ontario 388,200 ; j, r' f* i: b1 [' @7 Z 6.2 9 K  w$ z" H% ]+ v3 N 89,800 3 d7 T5 P) e* W1 u 44.9 -2.4 0.4 43.7 0 h, c; Q% |7 P5 z: K7 b  X; k Quebec 262,100 & C) Z! s1 G# J8 L 8.6 % `( w- A/ `. m7 Y! h 61,700 41.7 -1.8 5 C, ^/ c9 \2 ~7 `8 ~. b3 M$ _ 1.3 38.8 Atlantic 222,100 4.3 ! X8 \8 j& E9 s. ^3 g& e! n# Q 55,900 4 y# h; A- J' U1 _ 36.5 ' D! S, |) Z, K0 } -1.4 ; r7 i9 v! P) I4 b 0.1 38.0 + t2 f& V: R( T1 e/ X' J- b1 [ Toronto 554,700 ' L5 u( Q9 {& u: G, Y- Z 5.6 120,400 ( ?8 \3 }$ V( F# q+ J 56.2 -3.8 0.1 53.4 / m! q# d* ?2 Q' W0 G Montreal 335,300 - B+ D( z* }' |0 i& I 8.9 * L# W" P3 X) V0 `+ V6 g( x 75,800 51.3 ( o  C* f  {. v, d -1.7 6 f: B! Y; v  C- S5 h6 _' w& A 1.7 2 `* C. }, N9 ]# v" |# u# R( e 41.7 Vancouver 9 g1 H. f/ H, _ 766,300 8.4 149,400 78.1 3 c# d5 s8 W  i: a7 \: Q$ _ -4.7 # k. ?" I. [: A9 e7 _8 x+ P* x2 R6 j 2.0 3 F( X7 C$ S4 W, O 62.6 Ottawa ) x: Y% X: ?' n7 w0 C 350,600 4.8 86,600 - d% k5 ^; F5 ~, m- k 40.5 " W* F' Z5 }/ h4 O -2.5 0.0 ' ]9 K# P4 T. K. l9 t, ~7 Z5 d 39.1 7 r: l- `2 \3 {/ F Calgary 0 |- L4 h  m7 ]$ e: F1 {! ^ 410,500 ' q& D- X* ~. S -1.0 ' m  Z/ C0 ~8 ? 86,700 37.9 -2.3 -2.6 : n6 s4 e4 y8 U/ n5 ^ 40.3 Edmonton 2 _6 p$ u7 n, Z 362,500 + R7 F& k# k7 L1 s; W* c- G, v2 Q 1.2 82,500 37.0 -1.9 7 E+ P9 i6 s+ L) S/ O0 I -1.6 37.0 . A! |/ O/ f1 _8 @: X Detached Bungalow ' L- b: K+ E& C$ }& | Average Price + z  f# w, P7 W8 o RBC Housing Affordability Measure 4 o2 O) z9 v: Z" C$ \4 [5 ]( V; | Region Q3 2010 $ U" d, b+ h# C3 H! R+ Z: |($) 0 c7 h  U9 C$ J% D& {- m9 M" E3 \- ~ Y/Y % ch. Qualifying Income ($) $ O# s( k2 ~0 k! a4 HQ3 2010 Q3 2010 & D+ v3 ]. r' w( ]7 b! o3 K2 i! w) f(%) Q/Q 9 g  u0 e: f. r, l9 uPpt. Ch. Y/Y * X6 S0 J# Z4 c4 e' h/ \7 EPpt. Ch. ; o# r" ^; e; D7 U- [/ J7 Z, G Avg. since '85 (%) Canada / Z0 Z0 ]& M7 D7 D. p1 N1 w5 O 325,300 ( A3 T, V( O/ k/ y) E1 p 6.8 72,500 7 R/ g- h; T1 x; t( @ 40.4 -2.4 2 b1 {) |! s: y7 O# q 0.3 39.0 . W; }. X2 r4 U; n* O3 W% o1 C% o British Columbia 6 K+ `# [/ I+ [" p0 K8 } 544,700 8.5 ) Q) c  J/ E/ F) h 108,800 ' f4 \# A; }, s: O4 l& E/ p 59.0 -5.0 1.5 - M9 `+ W) o8 i, p# A( V 48.9 Alberta " [( `$ f: o! Z+ g8 i 340,500 2.9 2 g. ?7 ~$ ]* d& o, Z1 X 74,400   {  f, L  B( Q 32.5 -1.8 -1.2 36.1 Saskatchewan 312,400 4 P8 T7 |4 H7 y# C 6.3 70,900 9 e' q9 q; ^0 e' U+ ?7 q8 C 39.0 . I: _. y/ ]! E* d5 Y4 V -1.9 -0.8 + Z+ U" Y; p; M, z/ ]) h/ a 36.6 + c) J2 ~! _% q5 j: e Manitoba 251,000 9.2 60,800 34.7 3 j8 x# O6 ~* v1 J -1.4 1.1 - z  U) N& L. S% ?" r' G- i0 l 36.8 ; ~: H. o' h1 H( S; C/ y" \ Ontario 337,400 6.1 - q! J' C/ m" ?8 R 77,900 38.9 -2.2 ; J" j2 a. i: ?1 _# q3 e, F 0.2 40.1 8 F0 Q& y$ @/ L& O Quebec , l% w. s7 u9 t9 f; Y* S2 V! S 221,600 9 H2 {6 h# O! p) j2 d8 S. b& n- n 9.3 51,700 35.0 3 F: W! s- y3 C( g8 N1 y* P -1.4 1.2 ) |' ^. F% e) b" g$ d' | 32.9 Atlantic 3 K, Z! C! Q* z$ y$ L/ k" w 196,600 2.3 48,200 31.4 -1.0 , B0 |4 W% l" e) Z# l4 v! R -0.4 . x7 y7 O  i* v# D  g8 S) C/ h- M5 g6 h 31.6 Toronto $ |; L1 L( q4 t 466,600 : n' o6 w, B) E# l. _5 g! ]2 K. _ 5.0 ! E! B$ |& ^2 X/ _3 g 101,100 ! t1 E1 Z/ Z0 f 47.2 ( W" g, c' n& l$ Y/ D3 w -3.0 " H3 K, a# q( w; a8 y -0.1 3 x  K) W4 F& h 48.2 ; t$ N$ e# H2 |5 b% n) d: R: | Montreal 271,100 11.8 ' J# m2 M6 r4 s% ~/ s 61,600 + Y" s! E9 ]5 K; W( N; y1 d9 D$ y 41.7 7 U# J- c3 y8 B, m7 o -1.3 2.2 36.9 Vancouver 672,500 9.7 131,600 , R* z' j. a5 M$ K0 }# H4 k9 m 68.8 -5.4 2.4 57.3 Ottawa 340,800 3.4 4 ^/ l& F3 @3 q( P 81,800 % j% Y& q% I% r& V( X: F/ [ 38.2 -2.9 -0.5 0 L) J( |$ a# j3 s4 C, f 36.6 # z' f' m3 U9 _* v Calgary 2 L+ W/ `6 x- J+ I4 t, \3 ^ 412,700 2.7 ' O' x; T/ p" s* e& Z! [, c- Q 85,00 37.1 -2.0 -1.5 1 R, }& `, j" v: r$ R 39.9 " M" X: f! @. [* T; U Edmonton ( R# @& t- F! S. k! S 322,900 # e  `  z6 c# @* l 5.4 - q* V, B- U$ d  R" {4 U 72,900 32.7 . T/ E' V$ R6 m: p -2.0 % m$ r1 B3 M1 p; a/ } -0.5 ; `' x' V# O9 ^- ^/ y 33.9 . g7 l6 w- T- ]( I ! h4 ^  b$ F7 ]" Z4 ?* D/ xSource: RBC November 2010. The measures are based on a 25% down payment, a 25-year mortgage loan at a five-year fixed rate and are estimated on a quarterly basis for each province and for Montreal, Toronto, Ottawa, Calgary, Edmonton and Vancouver-metropolitan areas. The measures use household income rather than family income to account for the growing number of unattached individuals in the housing market. The higher the measure, the more difficult it is to afford a house.

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快讯： Federal Government's Mortgage Insurance Changes
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This morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     
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These measures include:

8 F* S$ m( t6 ^+ VAmortization period capped at 30 years
Reduction of government backing for home equity lines of credit
! V# K% Y/ m* KMaximum refinancing reduced to 85% from 90% LTV
( ?( p0 p: {" [There are no changes to down payment requirements as CAAMP recommended.

CAAMP will continue to update members on any new developments.
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For additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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