快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

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2010年12月
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Bank of Canada Interest Rate ) ~4 t$ c' C" S! j0 o6 { September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada / L7 Y/ v' F* I7 o% p" R, VBank Prime Lending Rate & S, U* K; A" P5 p4 w% ~# v- n ' q& w3 N, W/ H2 t; V/ ]- \1 X* L( ~* f September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date . w2 A2 d. u$ ?( ISource: Bank of Canada $ |! x' w9 s& L8 q: C5 j ; C% a5 N7 F$ { 7 F( g0 j0 ^- D7 J# O9 a3 d8 } - |7 q0 S: X& k6 Q) W5 \Conventional Mortgage - 5 Year Rate* , h7 [2 t! H" c. r) G- r) C September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 ( i; r4 F- O4 |2 G9 \ 5.44 % Source: Bank of Canada 4 [0 t$ m- X% {& t- x0 b*Determinant for high ratio mortgage variable qualifying rate % H! \3 x% X( o! E! W5 b. ^6 ?: | US Federal Reserve Board Discount Rate ' `% m* N0 Y  S6 x September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date ' E; S) Q2 X3 y" d/ l( R  SSource: US Federal Reserve " N0 }+ P7 }+ g5 R' q8 a . @4 t) H( b5 U2 ]2 x, g' A % O7 F- k5 k( H1 m  x8 c+ l+ S8 b: f . x# t: O. O' O! F& @% C7 ~ Exchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada 5 s8 b4 m# S' j9 }9 x; r- @ 7 a$ V. S( Y9 w1 }4 ?# W* h# S' y 4 N6 @3 g2 m$ c0 t- g7 o; G5 z0 AGovernment of Canada Bonds 0 N* ~! ^8 c- f4 y( h, U! L. ? $ G" Z0 O2 D) C% r& {3 n Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 6 d  d3 s4 ^& M- C; | 1.21% 1.27% 1.39% 3 year Benchmark % N8 ^' f+ E) z# D* W- F) k1 PBond Yield 1.59% 1.73% 1.94% 5 year Benchmark Bond Yield 2.06% 2.20% 2.48% 10 year Benchmark 2 H9 O. {7 \+ Y2 U- t$ I" M% f* wBond Yield 2.89% 2.98% 3.19% & M; I$ z# c9 ~( g7 M" oSource: Bank of Canada 8 _7 Z  A" k: g8 g3 C) I4 Y' i( i( w $ K4 j$ N: h: [0 z! c& e2 S : d5 w; M, J# f! Q* @: F" H4 v - r5 R4 }1 u& rTotal New Housing Starts (Seasonally adjusted and annualized) Province ' ]/ f0 }& e* |2 ?* F August 2010 August . {' _* v! `$ S! S& w) |. L2009 September ( s2 E3 p8 e. b7 C4 [$ }4 P. k- ]2010 ) Y, O9 R" k* ^# P, S2 M. e2 T, d# ? September 2009 ' }& v& }' m: O7 q October 2010 + L/ e6 b1 q* o. x) R( `. ^9 S October 9 q' ^' M3 z: C  Y  b: T2009 Newfoundland/Labrador , X8 I+ |9 `; B+ g8 C6 A  B; o# p 3,500 2,400 8 W2 r+ m( }1 p- ^8 {0 V  H 3,100 ' R: r8 W) `1 B% z1 ~9 Q6 p 2,800 + k2 l' m$ b% H) } 3,400 2,900 PEI 1,000 1,000 / ~# Y5 U' \  n! O4 C 500 # i6 M. r) G# l1 V 700 ) P2 \0 c$ v; w, I7 H0 o 400 5 o6 Z% M- [' O! ?' D1 c2 G6 U 1,200 : S; F1 B# k3 C, l" ?4 n Nova Scotia 1 F7 @! M$ U1 i3 v5 X8 P 3,200 - q2 p  q/ H% G2 r! d 4,200 & u) g) W6 j! Q6 r$ J, ~& i: Z  x/ Y 4,100 ( t5 X- n) L  } 4,500 4,700 " A" |/ }# r) z- G2 U" b) v% ^ 4,000 : o+ b/ |: C, A; @" A) P1 ]5 s( C New Brunswick : Y4 g1 i5 I. o6 L# j 5,100 , B, ^4 a9 b' I& a' K 3,700 : ?9 d* e3 A1 ]( @# T  F 2,400 : a: X% b" L: n8 M7 F 2,900 4,900 . l0 H  A) T; d6 u# @) A 3,600 Quebec 48,300   J+ y6 t! K. t% j: l( N4 r 47,300 50,700 / d, f9 j+ v( l/ N: | 41,300 48,600 37,200   y" h' c% I" C Ontario 1 N) L! K2 _4 d- t0 ^* Q1 N 64,800 44,200 0 w0 I& f( j. }7 \6 H  d: N( d: l( h 58,000 : J  z; h$ S; t, e6 |5 o 50,200 44,700 ( j% N1 W8 s& Y  F 57,600 Manitoba ) G  \( a+ o( P0 L8 ~% H 6,100 5,000 6 |2 m' I8 v. w1 C6 o- p) ~ 4,000 4,400 5 W- Q4 J2 u  |) { 3,800 / [' @( M, b7 N 4,200 Saskatchewan " v- M; P/ i3 @) t 7,700 + m6 o# S6 \0 O+ Z% W7 p" g 5,100 5,400 3,700 2 T- \' H1 P; @- u6 j 4,700 3,600   S* R4 J  h. |' X- ~6 _ Alberta 9 d* ]; ^! s# c& ^ 23,500 ) e7 `) t* c7 U( q! k! V 18,400 4 l+ @9 H/ W4 F7 }, G, a 27,100 - r* i/ c  u7 A% k5 `0 B 22,600 1 D, P$ a0 S* d# T# |* r 25,200 & l9 |' z: K! P! ^- T 25,000 + B. V$ S, W% u9 {1 g British Columbia & n6 M  X0 |4 V 27,800 * x& _: W3 k* e( l 19,200 29,700 / ~' O3 ]7 c5 l1 [6 p. ?1 o 16,200 0 q* g9 \- P' e# J  q2 ] 27,500 2 ~1 E, n8 t( f1 B 18,200 CANADA 191,000 # H6 T; q) A- Q" T" g! S 150,500 185,000 149,300 167,900 8 d3 t5 t9 ]% c 157,400 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. 8 D" p' k5 R1 n7 } ; i7 C2 _9 I/ ?4 l Average MLS® Resale Price for Local Markets 8 k) D' W7 |% Y: h' | 3 m# m& [; t' C: w City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 3 H' I& K! z6 ]8 ~% d3 _ $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 ' z* z7 D1 m; h3 o! n& z9 P5 \+ [Source: Canadian Real Estate Association & g5 G, m7 G. R0 n ) H! U. V4 o! Y1 o3 d' l+ m  Y" L 9 u$ q9 d* p: ~9 ] - c. Y& Z$ Y+ i$ C: n/ X 8 T$ E' B  Z4 }8 h6 B' C Quarterly Housing Affordability Index . R( ?( h7 G( W6 ]7 k Standard Two-Storey Average Price # g: E5 \1 X! [- E1 j6 l6 K: v* N+ j RBC Housing Affordability Measure Region Q3 2010 ($) Y/Y % ch. 2 h. h$ |* ]- ^1 w' u$ }" C Qualifying Income ($) Q3 2010 Q3 2010 (%) Q/Q Ppt. Ch. 8 }0 Y" k0 d. ~# \7 X4 U Y/Y & G& [; _: N* Y& [- f6 |+ @3 F) x8 @Ppt. Ch. Avg. since ! u  P  F4 E* N'85 (%) Canada 4 f  t1 f. e6 s) G- {( q 370,700 6.3 83,100 2 x7 e/ e  u1 ~1 j& f 46.3 -2.5 - e+ \. u3 o' E 0.3 4 h( l& [/ _" j5 x: r 43.3 British Columbia 624,800 # Y" i# r) c( f/ R1 G3 T" m5 A1 [ 8.0 % K0 k2 j( [! b  h% | 124,500 ' `- Y9 f* }) B0 ^) o1 Y, N5 [ 67.5 7 I5 `! o; [  t" J -3.9 2 V% ]! R8 M: @ 1.4 6 x& N9 H2 {: B+ ^3 B 54.1 Alberta % g+ m4 X" I: P( t 365,600 . l: `5 d1 U& l1 g 0.1 # ]8 Q. i4 [. y& O 81,400 35.6 -1.8 -2.0 2 h/ ?, ]" d# r1 Z; i 38.6 + C% k3 m/ @" }  [: g! b Saskatchewan 5 P. X" L& G  W- s" `( b 315,300 5.1 74,100 2 B& M) w2 V+ L, h: A 40.8 -2.2 ) E# E4 a+ n2 Y, X% V+ S6 P -1.1 38.0 Manitoba 8 a7 W/ w* R1 _) ^# G) ]4 h 269,700 # Z  N" k, h, d1 T5 D2 s" ] 7.8 65,000 37.1 -2.3 0.8 37.7 + a, o* J# ]. }: t0 j Ontario 388,200 6.2 7 i* R' [+ q  s& v9 ]  k 89,800 44.9 . B: S) `( Z5 [# S: X -2.4 0.4 43.7 Quebec 7 r; x" e% s* S7 t( A" A/ u. M 262,100 8.6 61,700   d. M$ b1 P1 U+ o+ w% I 41.7 0 [" V0 C, J( w6 p" v, V  ]/ f: m -1.8 ( |: h) ~9 M5 N 1.3 38.8 Atlantic 222,100 4.3 55,900 ' V+ B' \- H/ z, [* i 36.5 -1.4 7 U8 j" ?0 v+ z( F 0.1 0 K$ ^0 E* n$ c- a3 ~ 38.0 Toronto 554,700 5.6 6 N  X  o3 G: e5 U; F4 I. w) c 120,400 0 a; A, B$ M" | 56.2 * k* r6 @8 x  f+ q$ y2 R5 l -3.8 0.1 53.4 3 V: O+ X5 q# Q5 m2 K, U; | Montreal ( A/ P- Q. r7 [% T5 y 335,300 8.9 75,800 51.3 # D; }3 [$ L- e# E- H -1.7 $ o: p& J. X/ _- I& n3 \" O 1.7 0 |# ^0 n1 `* O, t$ W7 k4 g 41.7 8 P# h& w" G) v& W& E Vancouver 766,300 . d& R$ Z- k7 ^) r1 z/ X4 \9 J 8.4 149,400 78.1 -4.7 + |1 F; U) D" Q 2.0 5 F# `3 |, ~! B1 i2 k 62.6 9 A) N2 t  ?$ M$ z, S% Q; o Ottawa 350,600 , o* L' l/ ^0 f( ?; }9 ? 4.8 86,600 40.5 -2.5 * N7 g* z( T+ k' @( z+ ], q 0.0 2 Q% g8 [0 p5 v& v' R3 E+ f 39.1 ( `8 r) D  A, C( w6 X Calgary 410,500 -1.0 86,700 % a. R6 W5 D, S- X' { 37.9 -2.3 " r$ @: ?' p& \, \: q# U( Z -2.6 6 [  |8 h" `' Y% [. f, q 40.3 Edmonton 362,500 1.2   P2 J5 [4 s4 U. n7 E1 I& g! ?, f( [ 82,500 2 Y+ N5 T+ ^* l3 _& j) v% a2 ? 37.0 -1.9 -1.6 0 j2 S. @% i+ l/ Y7 ~4 z- g 37.0 + M- b- q& b! X3 m& t 0 h; L! ]0 p: p" G Detached Bungalow ' {3 f% o, I7 {* I Average Price , |! w1 z2 L' b6 m; \- J  s: v& D & Q" R5 s, h  r2 y RBC Housing Affordability Measure / C, ?% P& X3 ^) W6 d# Y Region Q3 2010 8 H8 L7 z7 s% Y* k7 U2 p& v($) Y/Y 7 Q4 m9 U& R- d8 l% ch. Qualifying " z6 L* Y6 d" ?: `: x( n7 X7 P" |Income ($) 6 w4 ^, A- Z& B. c% q) w9 b  JQ3 2010 4 _  b4 Q; H0 O, Q5 q Q3 2010 3 b, D, e# e# _2 D3 o. G# j(%) Q/Q 5 B  G- I& D8 c6 c% }5 uPpt. Ch. # p1 M+ P5 w/ ~5 ?, _ Y/Y % z, o# R- S) v; I/ H# S5 ]Ppt. Ch. Avg. since '85 (%) % K4 v9 [" m* b; a* S Canada 325,300 6.8 % l: z; a, W" e  I+ K" [( ^1 G8 u+ ^ 72,500 40.4 1 J2 }% M; W5 J+ w* `' e& ` -2.4 ; V" L( D; ~+ Y) ?1 [ 0.3 + @5 t( p" K( @; w 39.0 British Columbia 7 m9 [2 y  C( _7 G* H8 R 544,700 & S  z, z5 ]3 U; `) i1 v' H3 D' J 8.5 0 S6 R# m5 M+ O' H* ]- w4 ~" B& p! [ 108,800 59.0 -5.0 ' [; N' z/ l1 K& H1 k% F) u# b 1.5 48.9 / O1 j2 m1 s4 y5 b Alberta 340,500 2.9 / Z& R) Z7 C1 s5 y 74,400 32.5 , F* `9 ~6 {4 w  V. O -1.8 -1.2 36.1 - y, [3 T# d( L$ m Saskatchewan 312,400 9 \1 {6 k: q9 s4 @ 6.3 , Q; o3 p! W2 N9 w" Y- q- s) ] 70,900 39.0 $ ^# R9 [; z9 ?4 @1 h- x% K, X -1.9 -0.8 36.6 Manitoba 251,000 $ ~0 ^1 d' `$ f% K) c 9.2 " c/ l' O. B5 p: m 60,800 34.7 -1.4 2 v6 O% O3 t( B6 `; H* D 1.1 36.8 ! k+ A2 j7 y* i- D Ontario   t" p# a7 s1 b# v. v 337,400 , v8 ^& I5 D9 `8 z: S 6.1 " h* T1 A8 Z+ {, v" @ 77,900 38.9 ( j+ N2 `% l. f" z: ~  ]* T. L -2.2 + ?- {7 b+ X( s8 U5 X4 J0 {5 f2 a 0.2 40.1 Quebec 7 j  ?' X6 s! u0 R 221,600 ' c; Y/ t2 ^8 q$ C$ W8 g) t- o 9.3 51,700 35.0 -1.4 7 R5 X5 \! @& l2 M 1.2 ! K" w' k* e0 f1 c( v2 g1 `; b' W 32.9 ) ]4 C2 K5 s* F0 y/ f7 h7 w, s" [ Atlantic 196,600 2.3 48,200 31.4 -1.0 ) ^( A0 R" g8 `6 b& f -0.4 31.6 Toronto 2 t% A- O! ~' T8 e! b* B 466,600 5.0 101,100 5 s6 O/ G0 ^( Q+ ?8 R 47.2 -3.0 -0.1 48.2 Montreal 271,100 11.8 61,600 41.7 4 \- [: j9 O% c0 e% Z" b$ K1 N5 H -1.3 0 R4 p4 B" a  ~ 2.2 2 J$ M9 E* h7 T 36.9 6 \) ?8 T- D& }/ N3 Y Vancouver 672,500 5 y1 X2 p% N7 h: B( h 9.7 131,600 68.8 -5.4 2.4 57.3 Ottawa . N8 o; q" X7 M* A. q( N  P 340,800 % q" Q& d3 h% g" J& q! Y 3.4 81,800 38.2 # U5 I. L- h% v+ B2 b& L( B& I9 ] -2.9 -0.5 3 Q9 k1 d" P' w" q! I. H# _" c 36.6 Calgary 7 r' ?' k6 F' c/ i( m! I4 C( p 412,700 2.7 / Z% `& e# N) Q) r& I3 G5 {- y 85,00 0 x2 ]. C. b) a) I7 }5 v 37.1 -2.0 -1.5 ) |; `& \1 V! G 39.9 1 ^9 F7 A! }4 ]3 w8 C( }# k Edmonton * R& T# t  r' b/ i' | 322,900 ) R  V, Y& x+ f' ~9 A 5.4 72,900 32.7 ' G5 }- E3 @/ l. J& } -2.0 -0.5 33.9 . j' M5 o0 S& K 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. / a6 b& H- w# S* Z; ` , x/ G8 q; g7 _) S- k8 z+ H

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9 u  D( V6 R& R* C6 K, h1 R/ w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.     

3 n  \" e4 {( M+ G% D, ~9 j4 ZThese measures include:
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Amortization period capped at 30 years
0 n6 @3 ^. k( G/ |1 ?6 AReduction of government backing for home equity lines of credit
* L) D* f; R2 \# i6 p; X' _/ oMaximum refinancing reduced to 85% from 90% LTV
There are no changes to down payment requirements as CAAMP recommended.

CAAMP will continue to update members on any new developments.

/ O  G' s3 B" ?7 bFor additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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