快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

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2010年12月

Bank of Canada Interest Rate September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada 5 w' \7 }/ o5 P$ t 9 R/ d+ m$ v% n6 Z+ _0 P% n Bank Prime Lending Rate ) T7 Y  Y; ~) o& H , r$ }1 a) ]' Q! X   X1 q( q9 x4 e+ n; S' ^  N5 X September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date ) p9 Y" y& j+ j6 R4 y3 t2 `Source: Bank of Canada ) |" Z1 r  ?8 F+ T9 x, X - s$ Q. q( G5 U' H) |5 N7 ] 9 `: p2 T) C8 p  \9 O Conventional Mortgage - 5 Year Rate* - m, x: ~$ I# _+ w) N$ e1 T 1 g+ r! Y1 _3 @7 s4 A; { 0 }8 V; V& _& r1 m0 x September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 5.44 % Source: Bank of Canada 5 d/ N8 f3 I# _$ g8 S: i6 T1 y  p& R*Determinant for high ratio mortgage variable qualifying rate * D4 `% N$ @6 T* S! u( ^9 }: PUS Federal Reserve Board Discount Rate ! O- J: c$ O  a  o* N3 V! i , z3 J2 n- h$ l5 b2 u7 G0 Q3 ]' Q ; Y' S( T2 C' k. d  p" @+ k September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date Source: US Federal Reserve - `9 r6 r( h  a8 n$ p ' W; h& v* H) f' w 3 `  a+ V) F  ZExchange Rate $CDN($US) ' d) d* j1 t' c; B7 N October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 % I5 O& J% `, w0 J+ k' v  r( y: [Source: Bank of Canada 7 k' ?; z1 o2 b8 B # j! |3 ?$ G6 x: O! e7 E 8 P* u5 R2 I5 o/ q# B; UGovernment of Canada Bonds Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1.21% 1.27% 1.39% 3 year Benchmark Bond Yield 1.59% 1.73% 1.94% 5 year Benchmark 3 i2 H  p5 A+ l2 V$ U( O2 m4 [7 nBond Yield 2.06% 2.20% 2.48% 10 year Benchmark Bond Yield 2.89% 2.98% 3.19% $ b2 @) x+ F3 J" B/ GSource: Bank of Canada ! Q* e  j% ^4 d$ c! S - ]; n0 }- f: d 0 h3 J7 e5 U0 Z8 c- MTotal New Housing Starts (Seasonally adjusted and annualized) Province August 2010 ) b3 ^, L9 z# a( k4 V August , u, n! U! M: D$ l2 B, S2009 September % ?3 H" S% D" b/ B0 {2010 ) X1 T1 a8 e% [4 i September 2009 0 \3 t; ]; z  h5 u5 Z, V$ K6 H October 2010 * L0 @! P4 Q$ f, ?$ h* }& U October 2009 " c* O: I" O# W3 O Newfoundland/Labrador , ]# \( D7 b( u7 ~+ B 3,500 2,400 , m: t6 E5 c, J 3,100 2,800 3,400 0 B: _5 g! d. r  P$ V 2,900 ! T- p4 O2 c" I; Y  G# ] PEI 1 I, i" P: L  e1 w7 A8 o, w! T 1,000 - R% u+ X9 `2 [- `- ~. f6 I  ^' D 1,000 500 / ?& {- o* r2 J' P 700 & H' v! D# Q# d2 W+ E( [8 _ 400 1,200 0 ?: S$ D, y: Z* [4 j+ ^; A/ ]+ c Nova Scotia 4 L9 Z) d: @# X& q9 G 3,200 4,200 - \6 E; k( T& U 4,100 / C  y) q# N# D# X. y8 \ 4,500 4,700 3 \# J3 R" I5 o+ Y1 n4 z1 x 4,000 3 O3 N8 e* I7 Y$ Z& Q0 T2 I New Brunswick 5,100 + s4 w9 B$ A' Z$ N4 T! I 3,700 ) F9 ]6 g$ Y4 l0 @7 ?, H 2,400 0 c2 M( k, v) @) M% x6 o 2,900 4,900 + t! J: ]9 B2 L 3,600 4 M+ f' {" v# d! b% m6 S" R0 e$ ^: W Quebec 48,300 47,300 50,700 41,300 % ^; m$ T& z- K" Y 48,600 37,200 7 r# k' H- F4 c2 w" f Ontario 64,800 44,200 / `  h8 Y( G# \+ T! i! I 58,000 50,200 44,700 57,600 Manitoba 6,100 5,000 " B8 |* ]- E. ]) S; Q% n 4,000 4,400 0 `6 w6 r  l7 I& H* q  J& U 3,800 4,200 Saskatchewan 7,700 5,100 8 }1 X# `$ h4 n 5,400 ' i& Z8 J' J. x) }; M0 J! `; Y 3,700 4,700 $ I$ m* a7 i( v 3,600 " j, D4 U+ o2 p* I7 {& l5 l* I Alberta 23,500 18,400 27,100 22,600 ' C# D% ?  }) c: K 25,200 9 P+ V+ i% X8 O  e( F 25,000 British Columbia 5 N, _, o1 Q" U) ?6 v 27,800 19,200 * I1 {1 }, U1 W  Z8 X9 t 29,700 0 K3 R' x& ]3 f' `+ z 16,200 , `- I; _7 v; k 27,500 18,200 7 {8 p& S' k; Y5 Z, \# B CANADA 3 Y3 S: M2 l5 }% [( D 191,000 150,500 " X9 K' x) R$ H' [ 185,000 149,300 167,900 , N( T9 s4 X- L) { 157,400 7 q+ Q" N* Y+ [ ' _9 \2 N& ]- d2 W- ~Source: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year. ! U2 Q: Q; F$ B% y. O . a% v1 j9 E+ E1 k+ x9 W3 B5 _ 2 k' M4 m& ?# u4 t- n- gAverage MLS® Resale Price for Local Markets City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 $165,032 Quebec $219,440 $246,918 Montreal $285,100 $309,638 Ottawa $320,561 $305,872 3 C/ H2 d/ i2 G. k) V 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 ' d" V+ Y; E+ w! Y" E- u1 ?7 L: DSource: Canadian Real Estate Association : ^' |4 c8 k; Z; P3 h / H0 J$ _- W$ C( Z6 e* R/ b% \* E Quarterly Housing Affordability Index , N0 I- b4 ~2 e& P9 q# B3 L. d Standard Two-Storey 9 \: a7 y7 t# e! u) x Average Price 4 J. I9 ?( ]! _$ W5 @4 { RBC Housing Affordability Measure Region . D- o* H. K# \ Q3 2010 2 @8 i6 Q5 ]) \& ?  }($) Y/Y / P: I1 Y5 X8 b- C8 J% ch. Qualifying Income ($) Q3 2010 8 @3 g7 G4 \; }5 ~& Q Q3 2010 2 j; z. d$ V+ @! O0 M( S(%) * o; C- [, Z, O, Q/ Y Q/Q # C; j3 |6 R2 W+ T; `Ppt. Ch. * H) s+ X! T- T5 _ Y/Y Ppt. Ch. Avg. since 3 H6 i2 ]  s# d, N'85 (%) Canada % O% M2 A: ], v" Y8 r. G: a* R 370,700 6.3 2 U# W( o  c+ o( m, @ 83,100 46.3 -2.5 0.3 # T# J# z/ ]& W3 l9 L0 d! W! d 43.3 . k$ }/ e0 ]& ]( h. i+ z$ P British Columbia . p6 I2 W9 Y3 M 624,800 8.0 / `; F5 ?9 [. T% I+ Z# j' y: t' Y 124,500 7 V# f" r" S* U6 z" @ 67.5 9 r: u% J7 ~! w$ c -3.9 1.4 54.1 Alberta 365,600 + }4 j+ P0 J6 Y; h% H4 w# O( W 0.1 81,400 35.6 -1.8 ; ~, ^0 l( o, `7 | -2.0 , a4 f0 z' F. r 38.6 ( L, x7 ?# f' c' ]) p Saskatchewan , j  j3 @9 P# y5 ~5 x2 |5 ^ 315,300 5.1 1 }! j. `" G+ O 74,100 ; M8 H9 w% {% e+ l0 J% I) }8 x1 }' a 40.8 -2.2 % ^( C1 D$ ~% J* ~3 ]0 r7 T -1.1 - K4 E5 W. ~7 k3 _; |2 C 38.0 . z6 C4 @: P- h* u$ d Manitoba 3 j  p' N: r: v/ q7 e 269,700 7.8 * ]9 a; @  L  @0 w" Y( B8 u$ E1 [ 65,000 " y! y# d+ ~5 o2 r/ k 37.1 -2.3 0.8 / v- @* f: m; e) G/ P/ x+ P. ~ 37.7 Ontario 388,200 9 J4 Y2 x9 q; B" a9 ? 6.2 89,800 % }/ ]& g# u5 s/ T 44.9 -2.4 0.4 43.7 Quebec 262,100 & a( Y7 {8 ?( R" D% D5 @! ^5 G 8.6 61,700 41.7 -1.8 - z& v5 E4 `  E" ]* S 1.3 8 i9 N, Z9 v: n$ a( U 38.8 Atlantic : {% o. G5 L& m! t& Y& o 222,100 4.3 55,900 0 H- r. b7 c9 u' O7 W 36.5 & o* B3 Y7 H5 m+ O' m/ b/ g! v -1.4 ! k6 O- T; t; p: \6 @ 0.1 38.0 Toronto 554,700 $ M/ b( `" H7 s  \4 {# }/ J0 V4 p 5.6 . ~) m5 g; B. _2 l  ^ 120,400 56.2 " y* _! @) W6 k  x) y/ A' { -3.8 6 l1 i0 {8 i% P/ Z 0.1 53.4 Montreal 335,300 8.9 4 w# k) Q5 v3 i3 r 75,800 51.3 -1.7 - D9 b9 e: c$ M/ v" Q* i; H 1.7 2 J; _( A% N; ^$ G0 P, s 41.7 Vancouver , b" N$ ~; ?, F! v$ r7 m3 |( t# W5 I 766,300 8.4 4 ?" g" Q( T$ g& V1 @& D# V 149,400 # j, W6 g1 L* V9 @2 B. l 78.1 -4.7 2.0 - J) ^6 S/ @  ~, ~" r+ C; Z6 O/ s 62.6 Ottawa 350,600 4.8   @( r* N+ R7 _& l 86,600 40.5 -2.5 0.0 39.1 Calgary + W  I4 s& ?! b5 z* y 410,500 -1.0 86,700 3 b( T  ]9 J: D% C4 u7 d 37.9 -2.3 * l" _& X5 e" Z2 J. s -2.6 ! [: X* q8 `8 `3 x& v& ~+ u 40.3 Edmonton 1 I* y$ p0 F( A 362,500 / a7 n# e' f2 B9 v 1.2 82,500 37.0 -1.9 -1.6 37.0 ( R% P  t- m/ o8 [5 C& a1 F" V3 ^ Detached Bungalow Average Price - S, u6 ^, B: w7 w& C$ y RBC Housing Affordability Measure Region % W' x& [" _+ K3 g Q3 2010 4 }! g$ c' X1 X6 z($) $ R, k/ \/ e5 t5 T Y/Y # y) S- o5 _3 z; g- M8 ?0 _% ch. Qualifying ! U: o& [! i4 o9 O# l  n$ sIncome ($) Q3 2010 " n: @' O5 P  }7 p Q3 2010 (%) 3 X! F; G/ W0 t3 U, G7 @ Q/Q * B% W, @& J) p; f) @) APpt. Ch. ! k1 y1 j  ^/ |% Y Y/Y Ppt. Ch. Avg. since '85 (%) Canada 325,300 , v1 V) k9 V1 ]7 E 6.8 - o' I/ z, e2 n1 o) u! A1 p/ W8 U 72,500 40.4 " R" h; ~' ^0 ]5 Q0 f% [ -2.4 8 d, w4 ]8 C9 b3 |! d 0.3 # U/ [  K" j$ ]( B, f6 x/ o# K2 r 39.0 1 f9 A" O5 N: M3 v British Columbia 544,700 1 c% ?4 M2 U! L1 J 8.5 + G! A! H# ~9 Q+ a; o3 k5 K 108,800 - J& S6 }- O' I4 d9 o) B' M 59.0 -5.0 1.5 7 {+ @0 Q: m2 q9 U% R 48.9 3 Q, ]7 T, u, j" I4 X, _, I Alberta + F5 y- `' I1 g* E3 w& i 340,500 . C6 i- w' ]+ ^# @! D 2.9 ( \) d- J' S. {4 g) v 74,400 32.5 -1.8 . F, ]/ ~4 V! N- E! ~ -1.2 # f4 _1 g" U6 @$ P7 B; H 36.1 0 y* g( [1 x5 O% q" { Saskatchewan 312,400 " S3 X$ t$ V+ Q! P9 M* E 6.3 70,900 39.0 -1.9 -0.8 36.6 : n- m/ A1 H, z2 g" d) ]' S Manitoba + j3 Y6 M4 r8 U, v) p& L. k 251,000 9 }% Y0 w9 z0 R5 y8 _- _ 9.2 0 M( r' _# w# n 60,800 34.7 -1.4 1.1 36.8 Ontario 337,400 6 b; U; j; r( s5 j 6.1 $ \6 G( j4 a; o3 Z+ g# ?7 I& t: ` 77,900 4 J) r: S/ A# l" ^9 w  M1 U 38.9 -2.2 , }% c! Z0 k# E8 n; N4 H2 K 0.2 6 I8 c3 Z7 p: v+ c& w# m6 j 40.1 Quebec   X/ `" ~, l( W# n% H, N: t 221,600 8 X3 _4 s5 D0 A5 B& ?( G 9.3 2 F1 C% V: v: d  }' k 51,700 3 S7 O4 B2 {5 n; S8 n  a7 P 35.0 -1.4 ) `4 ^: {% `# r! f3 D9 Z 1.2 7 @' k- [  F* z8 R 32.9 + q0 c* M. X# H: u; u' C Atlantic 8 ?; T! |% D2 K3 ~ 196,600 2.3 , s& p& q: V; G) v9 r( A- L 48,200 ! c. `+ t: K$ v; U 31.4 -1.0 -0.4 31.6 Toronto 466,600 7 [7 ~& o* @7 {2 k 5.0 101,100 + r* l* M# U( ~0 d  v 47.2 . V( o, w. e0 y, i0 n) f: M -3.0 -0.1 48.2 Montreal ! ~, S$ C6 Y3 S  a7 j 271,100 5 n  D0 e7 `3 G; o4 H+ ] 11.8 ! ?/ p# G1 c1 O, ]+ V; u 61,600 , L& X) Y  T+ \& F, I 41.7 -1.3 2.2 36.9 Vancouver $ d0 r" r- a4 @, F. T 672,500 ) Z9 h& k% d% [2 g+ y 9.7 ( q1 k% J  \# e4 \# b 131,600 2 K* Y  |$ c& M( X: b5 z 68.8 -5.4 3 i. ]. q' f. v' D6 z 2.4   H! e# D0 j. e& r, Y% J& h# H; c 57.3 $ m3 O' o5 {) }- D& f; N Ottawa ( B" r7 Q- C" H 340,800 3.4 81,800 38.2 0 L( M  g0 @/ {, d -2.9 -0.5 36.6 & K" m$ h7 b" m& i9 J6 a Calgary / R. v& B. D, n 412,700 / V7 V' o; @8 n+ _! a4 Q9 f4 g 2.7 : M$ x1 f) }( ~/ g# O3 u& E$ C6 p 85,00 1 p2 j, w8 x# ]) I 37.1 -2.0 -1.5 39.9 ! c7 y' t% t2 ~: t Edmonton 322,900 5.4 72,900 $ Q! \& m0 X4 c, S$ ^ 32.7 ! y( j3 C% I$ d0 R6 g -2.0 -0.5 33.9 Source: 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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年轻的心

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年轻的心

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快讯： Federal Government's Mortgage Insurance Changes

$ e; d+ X  m6 A  B. a0 S+ WThis 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:
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Amortization period capped at 30 years
5 I! r$ x" }3 X; j  N1 RReduction of government backing for home equity lines of credit
Maximum refinancing reduced to 85% from 90% LTV
There are no changes to down payment requirements as CAAMP recommended.

2 r; j# H2 z$ v. _# P5 ECAAMP 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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