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 5 `" r: E) q4 c- N3 @, n September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada + L9 V( E8 s8 i& u1 h2 _ - Y+ t  v: A6 q' h Bank Prime Lending Rate ( t# o: X: P" y7 M . q5 x; z8 ]! p6 t ( q6 o* J/ @+ D+ x September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date " |  S# l2 D& Q: f7 d0 [  A, r4 Q, [Source: Bank of Canada 6 e# t/ B, W2 t+ o4 @5 p8 u; Z6 d$ ` ) x3 ]# O! d7 n1 @6 Z  O" ^! y 8 H6 s3 O# @. r& [+ i Conventional Mortgage - 5 Year Rate* 2 N% y: s& v- T5 {) I8 L; ]) h, R + `) `8 K5 m$ W% [# W+ k September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 5.44 % Source: Bank of Canada ( t! ]8 b) A* Q$ ~4 ^. W  H*Determinant for high ratio mortgage variable qualifying rate 7 ^  T* `6 Y" R5 { US Federal Reserve Board Discount Rate * W9 H" T, s2 O8 L8 B# V/ W 3 m6 q# }$ p6 S, n; X7 z9 g$ F  k' Q September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date 8 Q# d+ H  Y  b3 P. p6 ^Source: US Federal Reserve * l( L# _9 Y1 E # e6 l; I3 s& L$ F 6 x% @4 ]% P( d1 ?2 O9 E + X/ q1 E* ?& b 4 P7 X; X/ W# U5 g/ G8 }6 E. J; ]+ }Exchange Rate $CDN($US) / e* n6 x1 F; ?; u October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada + a# p' q5 X. ]$ \' M 4 L+ [; k$ X, @5 N  [4 L # q. \3 p6 f! q0 E5 ]& U  W' P 8 Z# b+ j+ h0 _3 g3 @Government of Canada Bonds 0 g5 l# o& c8 D7 w & C6 G. ~6 d' ]: \5 t8 Z( | " P& N; F: J* o3 u7 x Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill : T, a4 Q! R. B$ @4 ` 1.21% - Q6 V6 e8 v4 h4 G 1.27% 1.39% 3 year Benchmark Bond Yield 1.59% 1.73% 1.94% 5 year Benchmark : u% M$ F6 \. S- v+ TBond Yield 2.06% 2.20% 2.48% 10 year Benchmark Bond Yield 2.89% 2.98% 3.19% Source: Bank of Canada Total New Housing Starts (Seasonally adjusted and annualized) Province * h# t/ K; n2 R1 [ August 2010 7 }/ q, ~) \5 z# j August 2009 September & H! ^+ T4 D% i7 |( k9 }2010 September 2009 ) u. q7 V& w* v October + ]* n$ g4 D7 J( Y2010 + p' ^1 [$ t+ i+ k8 k5 D October " k) H- E3 ?" Q! x2009 Newfoundland/Labrador 3,500 2,400 $ N  \; L) _% b8 A5 ? 3,100 2,800 3,400 2,900 2 B8 V: {( q$ k% a) e# y PEI % Y/ v- ]: v% ~+ v8 N+ K 1,000 1,000 500 700 % s! U! K* o. k8 x# B 400 1,200 " o) y3 w! Y; k( {+ c  @. ] Nova Scotia , ^' i6 V3 b, S' n# x+ G8 v 3,200 ! \9 T: g3 k! ~/ c; Y# ^& r  n3 ? 4,200 4,100 4,500 % H% X$ B& u( b4 A% ] 4,700 4,000 , _* L4 N9 ^) f New Brunswick 5,100 ) D2 b) V- z- h) E  ?! K: H8 s% G1 } 3,700 8 w9 t. a, b& a) w 2,400 2,900 - d' x: s7 S" ~* E5 Z 4,900 3,600 1 a" v' w7 |* y" F3 S6 q  ~9 C Quebec $ t) |1 Z7 m. Y( a 48,300 / I( k' ~! q+ ]. b5 j  W8 ~  W 47,300 50,700 4 s& B1 R& c+ |8 F 41,300 ( d6 J, ^4 m" U0 t  u# s. Y* h 48,600 37,200 Ontario 3 v- M3 L* a8 k3 C  [+ l 64,800 9 f2 O. ]* f0 t 44,200 58,000 ( Y# O. g1 O; w  e 50,200 44,700 57,600 & |1 g8 G3 c6 D% J  p Manitoba 6,100 2 P/ E! Y8 n  m! V, ]; Z: h3 ? 5,000 4,000 % c- l$ t; c0 p* M7 F  p 4,400 6 Q; t: r2 g* q5 S, [( { 3,800   m$ f5 e, k5 e+ H 4,200 Saskatchewan 7,700 ! }& P' j" y( R; v 5,100 5,400 # S5 O* }; Y% c. F: J: b7 m 3,700 4,700 8 C* Y' X) c0 M+ N9 x 3,600 Alberta 23,500 18,400 ( x' [$ V1 |3 O4 b 27,100 " V9 n( r% }( I1 @/ Q, y 22,600 ( e8 e; W  |& E+ U# u) @ 25,200 2 V7 Q8 f  ]4 L3 X/ [ 25,000 2 r7 o0 N6 i7 `- x( s) m& ?" C British Columbia 27,800 19,200 29,700 / P1 m& M) C0 D4 N; H# } 16,200 27,500 18,200 # {4 h7 J) a; t" i% O. S. P/ O CANADA ) F0 j* m* F1 N7 e; L: l, Z' w1 H 191,000 150,500 . V. s$ T. r5 y5 [0 ~ 185,000 149,300 167,900 157,400 ' W9 `# y$ A3 VSource: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year. / j" H* K* K' F- x! y9 A# S ( f9 q# Y" C8 X7 g" F ( T/ D9 _4 q# Q " P% B/ k& Z2 V' ^  ZAverage MLS® Resale Price for Local Markets 0 l3 q; g6 h: t7 h2 P ( h4 ^4 q9 m6 G4 n3 ]/ _5 O! Y ; X) a$ Z+ s! H( \6 f 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 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 $343,747 Source: Canadian Real Estate Association 1 U; P7 I+ {7 E " }0 ^2 M& \6 h" j" [, s* Y / `9 C/ J" ~, G" WQuarterly Housing Affordability Index   Q8 U8 z+ R& n$ z  T9 p7 V Standard Two-Storey , I0 T2 h, x( h/ }+ ^7 Q Average Price RBC Housing Affordability Measure % R" Z& ]# c' T Region   y9 u$ S4 B6 s" T! a Q3 2010 : w7 J2 ^9 ]1 H3 \6 F2 W0 [& X($) ( i& K' {8 @5 R% J- f Y/Y % ch. Qualifying Income ($) % T' h+ |9 p: Z. dQ3 2010 / E7 h! u: N% f0 A" p* M0 Q/ S# ` Q3 2010 (%) & [- V& G6 d2 _/ r Q/Q 1 _% O, p+ b5 M$ E: D1 C' ZPpt. Ch. $ }: `) {4 l( ~7 R- u Y/Y Ppt. Ch. 2 t+ B9 }% L% h Avg. since 3 ]6 ~" n- B& {$ U'85 (%) Canada ! G* |) R: b" m 370,700 $ Y. e- ^3 v1 h 6.3 % x% f6 O. u% Z5 m! j7 J. k, ?0 P 83,100 $ L& A( ~8 N- J) r/ ~ 46.3 9 B: h' g* Q0 g  y( t9 z -2.5 0.3 43.3 British Columbia - I# f, f8 ~3 [( L% R2 E8 E 624,800 8.0 6 R# \2 L  V" p# z4 \& L 124,500 ! x; @" A" G& z 67.5 / L8 e8 n: Q+ F: v0 t* S$ T -3.9 ) ?3 V8 E, w$ N+ S+ [" Q 1.4 3 Q: K5 ]9 S+ I/ v 54.1 Alberta / R2 p8 e( z  h8 [9 r8 e( O* U 365,600 0.1 81,400 35.6 7 T- U$ E: Q4 v9 o3 U7 i -1.8 -2.0 38.6 Saskatchewan 315,300 7 e" t1 x# n0 F: W! F, ~6 I 5.1 74,100 40.8 -2.2   g1 `7 g0 }  o -1.1 38.0 " ~! Y) a" F4 [) s" l Manitoba . l0 R4 O8 L5 Z/ K 269,700 7.8 65,000 * e) f$ |; q5 n! u& o2 U' |3 z1 k 37.1 -2.3 0.8 + E% p' N1 A4 h) C& T2 y7 N 37.7   N: I6 P) [- t; B. |' A3 n Ontario 388,200 6.2 89,800 ; C( D1 L; M, U3 i# G2 f 44.9 -2.4 * h- b" e, q5 g) g& C 0.4 43.7 ; v3 |- ?  f0 y; Q0 f, k9 ?4 U9 p) a Quebec 3 `! O: _5 {, K! D; ` 262,100 8.6 ; A" P  k2 `9 n 61,700 ' T( q6 r$ ?) g8 T' R( @3 C" A: A 41.7 -1.8 1.3 38.8 % D7 l& a0 L6 M6 d. `  J! @ Atlantic 3 g" O% \3 ?: M9 G* T. X 222,100 4.3 55,900 ( ~5 [  ^" E$ I8 |$ p- G 36.5 -1.4 3 s6 f* V6 V5 }: S) ^) f" N 0.1 38.0 ) J& ^: f" m# y- w, E( m' T, ]/ Q' b, o Toronto 554,700 . V% G7 p9 l( S; b 5.6 120,400 56.2 -3.8 0.1 53.4 ) m3 V; x$ x/ X' _ Montreal 335,300 8.9 75,800 51.3 -1.7 7 X& q5 X, O/ `* Z* y3 O3 z; X 1.7 41.7 Vancouver 766,300 3 v$ p; o1 P% {9 W  a, y( l7 J' a 8.4 149,400 $ {5 v9 s" z( f1 F" u) } 78.1 ) r/ T' k* U2 Z/ ]; y -4.7 - R, g2 r  N  R" [+ v4 v6 Q/ w- M5 o 2.0 62.6 Ottawa 350,600 4.8 86,600 3 G: H! F, u9 M. D 40.5 / h, _. W3 q9 I -2.5 $ D) I6 s% d6 F 0.0 39.1 Calgary : L% P' W3 J; ]6 a) Z* p* U 410,500 " w0 W& ~8 B# l, ?' C -1.0 , J2 Q% z% f; P- |% I 86,700 37.9 & B0 i9 W- ~4 V) U9 W8 h5 S -2.3 -2.6 ' y" p! }; p+ C1 m 40.3 Edmonton 362,500 & g+ }+ w! ^& _% u$ r 1.2 82,500 37.0 -1.9 . o! r* q) Q) y" }: _6 v3 q! _ -1.6 2 I  W  }! G9 t) R 37.0 Detached Bungalow Average Price RBC Housing Affordability Measure 1 `* k6 Q  I4 i, g+ Z' l) y Region Q3 2010 ; P& ~5 }& e; j6 `# g($) Y/Y # V- y; C! b' H) @% ch. & r+ i/ {; l" p Qualifying Income ($) 5 l1 K+ l% A/ i; @9 rQ3 2010 Q3 2010 1 I! _. y8 E$ g(%) Q/Q Ppt. Ch. " [) V3 G/ O4 x3 I Y/Y 6 I! h6 i5 a" cPpt. Ch. Avg. since ( r" @! q2 a( l) ]/ R'85 (%) Canada 8 R, F) {0 E/ V$ t 325,300 6.8 , v- p  e( A# m* z0 E' Q9 G 72,500 40.4 -2.4 0.3 0 u% r, t: Z, N9 n3 o 39.0 British Columbia * \, Q( V" E: {4 i5 ]% v, y4 Y 544,700 2 O9 q: n5 r/ A/ S; o 8.5 108,800 4 U* n- b* p2 h, t 59.0 ; J/ P* D$ Z3 K% i9 d' i -5.0 - Q7 B+ ?: F: R; C9 O 1.5 6 H5 m' e2 \. U, ~ 48.9 . c- b+ A1 t% A) ]! P& F9 t& o: U Alberta 340,500 2.9 $ f3 Y- i9 P+ m; Z" Q7 Z* f( I0 | 74,400 , S' q8 l2 k6 K9 x7 T: q 32.5 -1.8 -1.2 36.1 Saskatchewan 9 Z* \  P, Z) ^% M& @. G& p1 O8 v 312,400 6.3 70,900 39.0 8 z0 J4 A! I" R -1.9 -0.8 . G! x9 F/ g' K/ { 36.6 % C; b4 M1 a# W0 }3 e3 N9 ] Manitoba 251,000 9.2 # f+ t" j5 |! K- M, m2 M+ I, Y 60,800 34.7 -1.4 1.1 36.8 / e6 L8 x7 ?) t Ontario 337,400 * t3 P4 g, j5 n 6.1 77,900 38.9 -2.2 0.2 ! `* \+ G1 V6 Q' x# @, [ 40.1 , n2 E" n: q. \+ \: J# j9 d Quebec 221,600 6 p2 Z' H0 C" @ 9.3 51,700 35.0 -1.4 $ ^5 C3 l2 w! f1 l. t$ m1 [ 1.2 6 U: A) j3 E  Y7 z. _& Q 32.9 Atlantic ; g# c4 g9 X. F 196,600 2.3 48,200 31.4 -1.0 4 H+ t: n' j* |! N -0.4 31.6 Toronto 9 V. i; u7 K& M) k4 ] 466,600 4 \' G4 \  n, G  d) V) h 5.0 101,100 47.2 -3.0 . U2 {3 ~7 E# p& z7 _ -0.1 48.2 Montreal # [/ o1 h1 ^; q. c 271,100 11.8 , ~7 A* v" A0 r. m% o! \3 K2 e 61,600 9 f+ d! i& I# H' a0 U3 M 41.7 % V- J& H% B1 Q) X: ?! C -1.3 2.2 % P9 n: L% y- v' X- x9 s 36.9 Vancouver 672,500 9.7 131,600 68.8 -5.4 8 O: q, R, d" {& }( y 2.4 57.3 Ottawa 340,800 7 |4 J7 \9 Z, J% B; [$ } 3.4 81,800 0 a' Z0 l, I, J2 Q( ?+ @5 J 38.2 8 G+ o- x: m% }1 ~4 q -2.9 9 W( e6 d& j0 O  p) ^! @7 A -0.5 $ l2 |& U) p( K 36.6 Calgary 6 B& [% ^4 s( a 412,700 ( I  }  z8 S1 C/ a& _- B 2.7 85,00 37.1 -2.0 -1.5   ]/ |" @* a' _/ {' D 39.9 & O% K3 Q" S4 C1 i Edmonton . M4 D7 J2 K, {2 C: E. }# j' e 322,900 5.4 72,900 32.7 -2.0 -0.5 / c) J% [( V, V9 {" e- l  q9 A 33.9 5 m9 N) {8 q# c5 x6 P ) G% \; L" ]% K$ z2 pSource: 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. 2 A) F6 f$ _) i! a0 v

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今日议息结果如何？

年轻的心

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年轻的心

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快讯： Federal Government's Mortgage Insurance Changes

This morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     

These measures include:
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7 k  c% c3 i# ]Amortization period capped at 30 years
8 C3 t. V: F& d- k' ?! _Reduction of government backing for home equity lines of credit
& e6 M! J& ^; o/ RMaximum refinancing reduced to 85% from 90% LTV
There are no changes to down payment requirements as CAAMP recommended.
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CAAMP will continue to update members on any new developments.

" Q5 C* _' b" ]0 Y! ~5 rFor additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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