快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

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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 ' P; D5 Q& M. |/ ?$ X. ]- P 6 a' ]0 y* D7 ^ Bank Prime Lending Rate 9 K6 i# B- u- j. ~% x ) |' {( W& X- _+ ?: K September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada 9 P. y7 ^3 m, U! p6 \- K; F; \* O $ ^, q/ E9 I; T " \; N. L7 m; j. z4 P; _( N* F1 _ 5 M2 G$ a7 r$ M% N; N" r! F Conventional Mortgage - 5 Year Rate* September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 5.44 % ) ?# d" C: g0 ]3 v: `1 e' rSource: Bank of Canada 1 G& ?6 b  @; d, w' l. @*Determinant for high ratio mortgage variable qualifying rate + b  @6 ~. D/ W9 h 4 C. h: m. _  R% f0 a! b/ t# ^ 5 \) c+ |; d' B& K. r( b/ y" MUS Federal Reserve Board Discount Rate September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date 2 l9 j- q' z  J6 z" T+ WSource: US Federal Reserve / U' O2 P: B7 J; B1 c* I' W $ H( _5 v9 X8 I+ V" J3 |# ]% h " n; ]; [  }4 t7 u) g4 o& \ 8 D4 ^6 \  ]3 {# ? 9 a+ ?4 {% {9 tExchange Rate $CDN($US) 0 b- M) G3 n0 n2 M# v' S October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada Government of Canada Bonds . p3 m( D; U% X3 ^" t: p " p. M5 j8 s6 N( d8 k 2 w: t, I' L1 J, G3 i Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill . R- h2 p9 |. c/ f" D' m7 Z 1.21% ( S) N  u% @! c 1.27% 1.39% 3 year Benchmark Bond Yield 1.59% 1.73% 1.94% 5 year Benchmark Bond Yield 2.06% 2.20% 2.48% 10 year Benchmark Bond Yield 2.89% 2.98% 3.19% , m# ]5 Y7 _9 }8 f4 {9 i4 PSource: Bank of Canada & D+ z# f8 d3 J( T- h; ~8 f- V/ ? ) y* D$ y& \- I" U3 ^   D6 g' l8 R8 r4 Q 4 W# K) m; W7 y' J) [' b Total New Housing Starts (Seasonally adjusted and annualized) Province 9 ?' ]( `# c  {% C. R! {, M( P+ K August 2010 7 ~& W. @, Q. Q9 t# s7 n& a August 2009 September 2010 September 2009   Y$ A% @, s8 H% H( O# ? October 2010 2 n: b# w- \  K0 n' P3 k! ` October 2009 Newfoundland/Labrador 3,500 : ~2 Q. }# ?- p/ \+ [6 B 2,400 3,100 2,800 3,400 - _/ y4 e# D- x) p  g( m9 f 2,900 8 ~2 G9 V% i! {' |# e5 G+ X: l PEI 1,000 1 ^: b  \1 O7 { 1,000 500 7 m5 _& a* B% J3 d) b 700 ( t8 L( e% ]* ^6 z2 \$ k* \$ Q, s 400 " t3 c$ q3 H# Y* X. d 1,200 3 \0 Y3 I7 ?" h6 }5 b( d% P6 V Nova Scotia 3,200 . J+ S0 |4 o" V% E" R4 B6 b9 n 4,200 4,100 4,500 - K- P6 }2 N4 V2 e 4,700 # \% a/ I2 X& D6 ]; z* [ 4,000 New Brunswick : L! [2 U& X0 y9 h0 Y& J 5,100 3,700 2,400 2,900 6 v' l2 x4 S9 z 4,900 0 f7 |' N3 J0 Z$ s0 ]) k" f) S4 A 3,600   _+ {+ y6 k2 q. a Quebec . Q8 G, I3 ^3 n& z+ M% r 48,300 47,300 # G; n9 {9 a9 |9 Y 50,700 41,300 48,600 - n; t" m! F. A" f: I5 f! R 37,200 Ontario 64,800 ! {& {' }4 s& A2 O! d7 I. l8 I 44,200 7 k. I5 t! B  u" A- {" ~! R3 Q$ q0 X 58,000 50,200 . U. H  D* c" B, }8 K: I: ~" A; ^2 H 44,700 ( _  t% o( J4 I( o% R, R 57,600 - x) y" C% a7 y1 f3 z1 H Manitoba 6,100 , e! Y6 {4 F" v) i4 z  @) u 5,000 4,000 / [! _/ `2 r' \% d  H+ Y( Z! N; }, ] 4,400 3,800 7 }& A/ L: V3 Y9 l 4,200 Saskatchewan 7,700 + f$ ]# H6 ~6 N. z 5,100 5,400 . y+ g8 p0 N1 _$ q% n 3,700 4,700 ; W- t1 C/ {" b6 ]; i9 U9 ] 3,600 Alberta 23,500 18,400 ! b4 _- `* b8 z8 ?5 G0 G4 t5 X 27,100   s' j" Q8 r6 i0 c0 t: \8 v- Q 22,600 25,200 25,000 British Columbia - S6 {9 H6 B) G/ m" m 27,800 19,200 9 u5 m3 F! t+ L+ f. S3 m 29,700 5 J' @) i0 z# P! R% c' H1 W5 Q 16,200 $ ~% i/ a! K' Z+ ] 27,500 18,200 2 P- q! g" O  `2 b" d CANADA ) H7 G3 u5 s# b; c) f 191,000 150,500 185,000 149,300 $ d" h1 p3 Z! X$ |: g/ A& r& y 167,900   C( Y+ R; E9 |8 T$ d; R+ e3 e 157,400 0 }2 E5 a8 K7 \3 z, 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. 6 b) n5 s% w, D$ x, N ! e* p1 Z) e0 l9 e" J  S6 V8 t/ X3 t0 F* k 1 G  _  g! j/ i$ I4 f Average MLS® Resale Price for Local Markets " a2 g2 q: T. }( b$ ~0 E) F - o3 M. u, G' r. K 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 * z% T( w  h* e- g( ?: } 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 $343,747 Source: Canadian Real Estate Association # U/ u! d$ n9 v6 w! Z% v . V$ [1 q0 L+ w) G, P( w+ U7 S 3 u( O8 K- P4 P' @" `1 A1 Z+ f7 t   ^' a/ _$ H. h1 p) M, IQuarterly Housing Affordability Index - l/ v+ n/ _0 W7 [" ]3 |+ v Standard Two-Storey Average Price * p# c$ B( d; k/ i$ R4 M5 s RBC Housing Affordability Measure ; H) z% g2 }  {9 m( U, S7 C Region ) n9 f* p2 f* X, ]- l Q3 2010 ($) 3 B) v$ Y2 L3 i5 p# o# h- y Y/Y % ch. Qualifying Income ($) : O( h7 [/ v; O: a8 p3 U; wQ3 2010 " D3 V4 t9 ?4 b4 E Q3 2010 (%)   [$ b1 H9 w5 u5 M0 @& ? Q/Q 9 a" W3 k# @. p9 M9 J8 I# pPpt. Ch. 5 N* ]/ `& U' F0 X, J5 b2 K1 W5 r Y/Y $ b* w; w/ B! ?& i0 X" K% zPpt. Ch. : s" A) E) T4 M2 g% \" W8 a Avg. since '85 (%) 2 M! O& H  J* O3 T; o$ V( K Canada / S1 H! C5 a* h% _& ~ 370,700 6.3 + @) u8 A1 }, b( h 83,100 46.3 -2.5 ) Z7 L5 ]$ W; P5 J 0.3 43.3 British Columbia 624,800 8.0 4 [4 X) w' f' D; Y% _7 S8 ] 124,500 1 x0 R# |% b  |. X! d+ i" J$ E4 p 67.5 -3.9 ! n0 I9 M0 I: W* G7 R9 J 1.4 0 D* e0 Z0 K5 t2 ?/ y 54.1 Alberta 365,600 0.1 81,400 ) j" ~' z- s# k% g7 ?: e7 v 35.6 9 B7 d0 u8 i- g: j' g2 o: ~ -1.8 -2.0 38.6 4 T% ?! O7 F+ k) x9 N# P$ s, G Saskatchewan 9 p, q; L+ _! p 315,300 ; I, R  Q" {) v 5.1 74,100 5 q3 e( z- O! ~. x! S" m+ i 40.8 " s) I  k8 }0 b. J- M$ F2 O& _6 @ -2.2   \& ?5 ^$ |+ v/ U -1.1 5 N$ H& {7 u& Y& P 38.0 Manitoba " h9 U6 ^% m& x! K, E* F 269,700 7.8 65,000 37.1 -2.3 & d3 n7 v/ T* @& t! } 0.8 37.7 Ontario 6 v! A. y" O6 [8 f7 t8 G1 ~ 388,200 9 Y# X4 G8 Y% T+ ?, } 6.2 89,800 44.9 -2.4 0.4 43.7 Quebec 262,100 ' B* N( E4 d. F5 ~ 8.6 9 B9 |( [5 W; `' u: M+ o+ v 61,700 $ j5 ~* p" |% v. a4 W; T( f0 K0 n 41.7 -1.8 1.3 38.8 2 B, {5 G! W! ], j% v Atlantic 222,100 4.3 , }2 ^2 A" W% h5 j6 w8 M 55,900 36.5 + J  ]* m+ }* o& Y1 w  [& A0 K- H -1.4 0.1 ( @+ |" \* {  j 38.0 Toronto 554,700 " H( B# Z6 q9 D; i3 I# A+ s4 ~ 5.6 ' K1 ]0 S( L! p$ g2 a1 c 120,400 56.2 ' R  ], U2 L* p0 D. f: |3 q -3.8 0.1 53.4 # @0 r& {0 Y1 W" V% @; |8 h3 w Montreal 335,300 0 u) j. f. c+ k6 N, ] 8.9 75,800 6 l4 H) q+ T6 }+ o* B- K 51.3 4 }/ U: i1 F! o* a: k -1.7 1.7 ' e  N9 V- f& m$ p$ f4 J3 p 41.7 9 v3 F( M3 T" l( s6 ~ Vancouver 766,300 8.4 % G# U9 R* O1 }, d8 x, M 149,400 78.1 -4.7 3 r  K) y! U3 O' j" j 2.0   d7 e- m9 W+ K) j2 O 62.6 # |7 ?3 R) X" n# Y2 Z* P5 j7 I& U Ottawa 350,600 4.8 86,600 40.5 ( p* e, S: L7 m, U -2.5 + d9 v  ?& e8 A2 K7 E 0.0 " y' L; h+ u, Y6 N 39.1 8 A( o. r6 k3 Q1 v9 M" X Calgary 410,500 -1.0 86,700 3 O9 o4 [) ~0 m+ {# n  E 37.9   i9 c* c( ~, s* M8 M -2.3 ( a$ ~8 `& h) Y( s6 T -2.6 . V# C, A4 z- x. ]8 U6 h 40.3 + z: D7 B0 Z' E; y  G% N' [ Edmonton 362,500 : W: O+ P* ~$ ~* p0 d 1.2 82,500 37.0 0 {7 `4 T: t! h) D7 C  p -1.9 # \2 d$ [. S" ^ -1.6 8 w; X. G- S, b9 I4 m% Q 37.0 / ^6 g$ a8 p3 Z; _ " U7 O( H/ h* L, O  F, ? Detached Bungalow ; m5 w2 W! c! h1 f7 D# u/ a* x Average Price RBC Housing Affordability Measure Region Q3 2010 ( f( r* a) ?- w9 v2 y. t  a($) . s. a2 p" A+ z9 i! y; b Y/Y 7 v# b; T7 j6 L% ch. & o* m4 j$ D) L, z  a Qualifying Income ($) 5 W3 r7 o5 r3 f7 {6 k  cQ3 2010 # d/ N1 ^- d) M4 s: }9 b Q3 2010 (%) * M: U9 t$ k; l3 `& m: @ Q/Q : G1 R- [$ v" ?7 VPpt. Ch. ' @4 w, F& x" {! }: q) p/ S. P Y/Y 7 u; A, l( S7 ~4 F% i& {5 J" u1 `, MPpt. Ch. Avg. since 5 j- I' ~% l4 R- s2 Q  b: z0 \'85 (%) Canada 325,300 6.8 72,500 40.4 7 H1 C: J* T4 S7 Q5 B -2.4 . w1 F: j! P$ f  ?  O8 i) b/ G0 m 0.3 7 N7 T3 [. S! |+ g 39.0 British Columbia / j3 d. @1 c) C$ F, P1 [, j 544,700 8.5 4 u; m+ m; c+ ^# l* w0 ` 108,800 59.0 % m4 R$ F! K3 X0 U& V -5.0 1 o; N, C) T1 _; r2 P! g 1.5 48.9 7 a) j. Y; y* }& d0 W$ _# W Alberta ' y# L5 N' u# e( ?( g$ v 340,500 ; C; }+ b/ z! }8 d$ d 2.9 % k* U+ A1 Y% ?9 X6 @6 Q  d 74,400 ( }- P2 O* {/ b" j" K4 i 32.5 + v+ H" n! ~  e/ H+ c5 }# Y -1.8 -1.2 36.1 Saskatchewan 312,400 # K8 V; @3 q; l 6.3 # w7 J* x8 |1 C8 {$ Z  I 70,900 39.0 % p( T! w& {) {; H# j1 ~ -1.9 -0.8 36.6 ; U; d% B3 h+ M  c Manitoba . F, c5 i3 q; d/ B4 S 251,000 5 i0 t. T0 B. n# _' r 9.2 ; D- f+ W5 R4 n! N* D 60,800 34.7 -1.4 1.1 36.8 Ontario / W0 ?# O9 N& U; _8 m 337,400 6.1 77,900 38.9 ; Q( p4 n& b5 ~1 C. A" X% L; y- k5 ] -2.2 , F( p  `* q. S 0.2 40.1 Quebec 221,600 7 @9 x3 q% h; M 9.3 ( p6 Z* @9 O, i  E7 Z. U 51,700 35.0 % R0 d8 W( U3 [* Y/ b' N -1.4 1.2 32.9 4 O. l7 A; u" ? Atlantic + V! G/ ]) I; S- u# n4 w* B+ p7 r) e 196,600 % a* y' Z# R& s! Q+ K" b4 G% _9 \1 S5 M 2.3 48,200 ) W/ g6 {/ g% U6 V7 W 31.4 -1.0 -0.4 31.6 Toronto 466,600 ( t5 B1 G* w$ R, f 5.0 7 p$ C/ S8 T1 ~6 w, b- d 101,100 1 [. m* B# ^; \7 Y" | 47.2 -3.0 -0.1 7 K. p( U: s  }$ D3 t4 v9 \: b 48.2 Montreal ; s- m3 Z2 `2 r8 ? 271,100 11.8 . D) V& [5 |9 Q+ G- x, f 61,600 / F# f% b. f+ w+ W0 ^ 41.7 -1.3 + P7 ?  X* f$ n* h% j7 v# P 2.2 7 L: `& ?( R4 G0 G  R 36.9 ) m1 E4 f- l/ u7 h* H5 z Vancouver % }. z% R# c6 f/ f+ a/ B# Z3 K 672,500 - b. g3 c; x; H; {) O5 } 9.7 131,600 68.8 8 j6 I+ C; R7 N  F" [2 o -5.4 0 J( B% N( Z2 `# R 2.4 + v7 y) a; `& T. Z; U0 N 57.3 & p* {8 e  J( _6 {1 D# R Ottawa 340,800 3.4 7 \6 n) ^, v7 l5 T3 E 81,800 : x/ t6 w. A* i 38.2 0 i1 b- z4 ]( M/ k -2.9 * V- |9 j/ |) B/ h; w -0.5 36.6 5 G. x: {0 E5 l* U# @7 O" g Calgary   X( b* R  e" u- e 412,700 7 O8 m9 Z# X* l' ^" W 2.7 7 s5 s1 p! ~  T8 p9 c; x. m 85,00 37.1 % {; \& p+ \8 S+ g$ K: [  O -2.0 -1.5 ; ^, ?; E$ l: R: c  Z1 w4 |4 T) n 39.9 Edmonton 4 `: X2 C9 M8 L2 V; A5 g 322,900 0 ^/ i8 Y" n2 V6 |  b 5.4 72,900 5 n- R0 d4 S# G1 p# o1 m) S! q 32.7 -2.0 -0.5 6 x) C3 m! v; I5 h$ ? 33.9 , c/ N9 a9 r+ Q6 q' d4 g 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. & z8 b9 {! b6 L+ `  `0 F

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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

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

( {7 ^8 ~4 a& D2 {These measures include:

Amortization period capped at 30 years
Reduction of government backing for home equity lines of credit
Maximum refinancing reduced to 85% from 90% LTV
' d: _3 i7 ^5 l& ]There are no changes to down payment requirements as CAAMP recommended.
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! T  |- u/ N0 _" O7 C4 s' `/ VCAAMP will continue to update members on any new developments.

( Z" T% h* ]/ }/ SFor additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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