快讯：Rate/Bonds/NewHouseStarts/...

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Bank of Canada Interest Rate # r) O  v2 H7 L1 P& A September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada ) `9 _7 m( J; }1 y Bank Prime Lending Rate 0 z, q* ]# {3 W3 \ September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada ! B1 o, g4 x, h + i" D4 M* q: m/ l7 n% u " J$ y5 K* G1 W( }; p- i 4 y' Z; I# ]8 e 8 P8 r' z9 y: `) s1 WConventional Mortgage - 5 Year Rate* 4 m; c; B$ @$ _# B) S8 E+ o( P September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 5.44 % 6 ^2 M; B/ P2 U3 ySource: Bank of Canada - j# ]8 e; k7 v* O' h*Determinant for high ratio mortgage variable qualifying rate ! U4 `# J, _& C3 [) J/ j & Y  l: `6 u1 _US Federal Reserve Board Discount Rate . M7 I$ j# o+ W, H1 W- H2 ~( a, ~, J September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date 3 C9 o9 f- b' X) E% mSource: US Federal Reserve 1 ], w/ |. e/ ?; | ' k  I8 p$ s0 X( D( B   D! N7 K" G% j# m" e. M" k3 f Exchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada & J' z8 Y0 p# o8 t; ]* d : j+ ?4 P4 B3 K. Y! [  x Government of Canada Bonds ! Y( O6 Y( Y* c' Y; C8 X Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 6 N  m( Z1 |8 g" E, F( b! g 1.21% # a8 R$ \1 w* y; x5 E6 m9 [ 1.27% 1.39% 3 year Benchmark Bond Yield 1.59% 1.73% 1.94% 5 year Benchmark ' q" t" n; y$ e' s8 B2 T6 {" N& _Bond Yield 2.06% 2.20% 2.48% 10 year Benchmark . h$ N8 c5 L- Q5 XBond Yield 2.89% 2.98% 3.19% - X6 q! d9 X1 e2 e/ ySource: Bank of Canada 7 n! \0 q& |6 t0 h 4 l0 @  l1 i& Q) `, o/ L   ~; G7 Y3 U8 H% G0 s1 Z. q& q Total New Housing Starts (Seasonally adjusted and annualized) $ x3 l" K; R% I Province August 2010 ' U5 q' U. p2 P4 ?7 G August ! P' O' b0 ^# {' ^3 P7 c$ R! b2009 September 2010 3 H$ }+ B4 t+ W2 }. N0 n September " T) t/ T' G( l. T, K" X6 P2009 October 2010 ! r% i6 D! o2 X8 @" { October 3 y( D  F( p8 m+ W( ]1 [2009 & c7 B+ K- E6 w- W; u" v, V% y$ n Newfoundland/Labrador 3,500 4 w. L5 T; e/ C) u5 p1 m9 h 2,400 3,100 2 G# i+ c: o- p* U3 N& I6 _ 2,800 ( r& z. n. v4 E1 l" |8 ] 3,400   @/ |8 t4 r% z# ^ 2,900 PEI 7 I+ T+ B5 E( I 1,000 1,000 , n( @& V1 o1 R* T; k 500 + w' q! X$ S3 _( n; C" e% p  W* L/ L$ G) W 700 - |* Q5 `: S( \  \ 400 * r6 e6 M0 Y. u5 v, B1 y: X 1,200 Nova Scotia 3,200 4 o7 w! t' k6 b' H! S5 l 4,200 4,100 4,500 7 A! l8 I/ ^& M) O* [ 4,700 . B5 @: r$ p+ {" W 4,000   l" `( O' o1 {. ~ New Brunswick 2 j5 y3 d  ?9 c' _5 k7 G2 _7 g 5,100 , \0 }6 n7 y+ V: O" @, z, _ 3,700 / z1 T  g! t& Z( i- e2 S5 _& V# B* O 2,400 / O9 e( c- w( F3 @+ D7 K# S+ d+ i  |. z 2,900 ( P; t! j+ Q8 J. B 4,900 2 `0 [' @- |& @) M5 P 3,600 # F/ Y. Y( n+ b2 d Quebec 48,300 6 Y* V  G8 X% L, | 47,300 ) f5 n9 @6 _/ a 50,700 7 ?! I3 u) C  H3 n2 [) x; ? 41,300 5 X, a2 {9 s0 n 48,600 37,200 Ontario 64,800 ' P( [3 B* \0 ] 44,200 ' T6 t! F$ {; _* [0 T/ ^) \ 58,000 $ [7 H$ W0 W, i. A 50,200 0 h6 B* O2 U$ q/ h 44,700 0 z. s$ q6 _9 i; }. E8 p 57,600 Manitoba   D5 b& l+ Y: w# O$ j; l5 p 6,100 5,000 4,000 7 D( m' V8 u5 `2 Q5 x( M 4,400 3,800 4,200 * q: {, ]3 |# c# V+ l Saskatchewan / @* S  \  Q& @# Y9 B 7,700 9 R6 X, p5 D" U5 O# S; K9 d+ ] 5,100 5,400 3,700 4,700 5 U5 T( a0 |9 s3 D8 _7 U6 h 3,600 Alberta 23,500 0 H- f% B: B. W( [ 18,400 27,100   Z3 S, }  K3 S6 p/ P3 ? 22,600 ! V0 S1 o/ @9 Z& U/ j 25,200 0 V/ Y- M* \! z 25,000 British Columbia 4 h6 a8 W( F( E  ? 27,800 19,200 29,700 16,200 5 N1 q7 B/ I& O% t9 P2 W$ {4 N 27,500 18,200 CANADA + F  c5 g  m1 I2 k. k! m# v 191,000 0 H# r& |5 `' ^8 j& |- I, c 150,500 185,000 149,300 167,900 6 q' q! Q7 ]" q; H 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. ! L( p( S* ~% h+ p Average MLS® Resale Price for Local Markets 4 z$ z! p' w6 P2 T  k: ?4 Z% n0 B- G / C! }6 y- u9 A1 ` City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 & E  s  E6 i# W7 X- }2 @" H1 t$ T" w% ^ $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 $343,747 Source: Canadian Real Estate Association 4 ^6 X* Y' N0 z: K: k( t3 B7 i1 ? ; q' t  i' J4 L 1 }6 O6 p3 K( n4 s; b# U  q( [( NQuarterly Housing Affordability Index ; i3 T# b' ~2 }& T4 X Standard Two-Storey Average Price 4 p8 J, z2 G& q% m# d, l# E5 L: N RBC Housing Affordability Measure 7 w- ^' Q7 o; B& U! g$ R Region - s6 L" \. D/ p Q3 2010 ($) - q3 w* l% j# P/ ?& b% g' V+ A/ R Y/Y % ch. & y" }7 Q; K8 Q) u/ ?! B1 K Qualifying Income ($) & e4 g" m) o% t" u/ s0 `Q3 2010 Q3 2010 9 c1 D6 R- F! F3 i9 ~(%) ) u; y; m# z- g" G Q/Q Ppt. Ch. ) y. O) r) S+ Y, e/ U Y/Y ! W% `- N/ k, BPpt. Ch. 0 ~: b9 X. v) r( q. a" o* w/ } Avg. since % z) ^# h# d% {$ x4 A; Q'85 (%) 2 O# J# e. x: p6 k& h; f# N6 _ Canada 370,700 , I3 r4 M& s- C! i 6.3 & }% o/ W( b3 D) _% E, F0 m! o 83,100 46.3 ' F) ^3 v8 F; y0 P% e3 w  H7 c -2.5 ! ?: _; E, W) B9 O 0.3 43.3 British Columbia 624,800 8.0 124,500 67.5 -3.9 % u# g* a( O: P 1.4 54.1 1 W7 Z& H: W: N# d& Z  t* Z* _ Alberta 365,600 # i9 J- |& o) {0 ~( L% E 0.1 81,400 35.6 . k9 e6 ^) L4 m: ]. _- T% S' r -1.8 -2.0 38.6 Saskatchewan 315,300 0 l1 d5 p9 l/ s  R  I 5.1 4 [9 }) n9 j( D9 n% `/ k 74,100 # J* a+ D+ m; Q 40.8 % O2 t0 Z5 H9 E! k' l9 ? -2.2 2 c. j7 K9 b8 D5 E2 i8 R4 b$ n -1.1 38.0 Manitoba " I8 E2 `" }: w  }1 H6 P! ^+ Z 269,700 7.8 + H- y+ A2 m/ j- g, D 65,000 37.1 -2.3 ! t7 z: Q2 j( D+ w) m- @ 0.8 37.7 Ontario % J+ M: c. J, l, v' V) ] 388,200 6.2 89,800 ) D% m/ {1 _- H9 |! z; E, ~9 ~0 [ 44.9 9 A& ^, W4 I: y" A" T2 [ -2.4 9 N; T0 {% g' ~2 E, q# X 0.4 43.7 Quebec 262,100 8.6 0 ^; D( i( i3 U, A 61,700 - z% \/ o# d) D 41.7 -1.8 1.3 ) P/ T% H( U* j2 ?" C5 u% a' r- S* V 38.8 Atlantic 222,100 4.3 % _0 V: S; n+ v 55,900 36.5 2 f5 b6 ^6 S, m# l% f3 e- m" y+ p  N -1.4 & h5 J6 B6 \* k# E0 H( d7 `7 r 0.1 38.0 * l4 D$ m9 _9 m! y" i% D Toronto * A9 M' i& T- S6 {  _  y5 F8 `/ V 554,700 5.6 6 {8 o: A" V: I' o9 m1 m6 X 120,400 56.2 0 [# n: d# `0 P2 P -3.8 0.1 ( S! P& M; {+ n" M 53.4 ( _2 _+ Y) e9 P Montreal 335,300 8.9 # d6 ^9 h% v$ E 75,800 51.3 + E! i3 Z1 V% C% n0 ]# k -1.7 1.7 41.7 , y! ~8 y- x& {4 D7 I Vancouver % R( i: N- W% S3 _9 b) a: Y. T 766,300 - E4 l- f3 o) b2 o3 u 8.4 " G$ z1 ]2 i4 P/ ^# s 149,400 78.1 -4.7 7 [8 M+ p. q) J7 d$ Q5 e 2.0 4 i+ J& m/ B8 Y2 P  r* V7 [3 L: q 62.6 Ottawa 350,600 5 M' L1 q4 j. g3 D( a7 X 4.8 . k) x6 |; O' f( W+ s 86,600 - X( I! f7 _1 B 40.5 1 q' E! k1 Q0 L) V! n+ { -2.5 2 H: J7 T2 b% P' c* q 0.0 . B5 M2 j2 _( h. e! C* W 39.1 2 T' a1 K/ l$ P% J5 Y Calgary " R& |2 Z2 X. d$ W0 \6 g 410,500 + v& f* N" T6 S& I) _ -1.0 86,700 37.9 -2.3 ! n, ^! u, x. K3 W' f( h; N -2.6 40.3 Edmonton , G% m  S, h$ [9 }2 G- s1 S 362,500 ' L8 z% ?$ N* D- r1 _. s0 b2 W$ h 1.2 ; }, o' Z0 s0 {# J& @( Q3 K, f, G 82,500 37.0 ; Q" j5 B1 t4 t0 w& | -1.9 * e. H2 V5 O% W) C" [: ~ -1.6 37.0 - ~2 F+ X: |% n Detached Bungalow + u- {8 x- [3 ?' T2 E Average Price ! r4 b& J' l0 h+ M* @- V1 @6 q# O RBC Housing Affordability Measure Region Q3 2010 ($) Y/Y % ch. Qualifying Income ($) Q3 2010 Q3 2010 2 }; I7 G7 j# n/ y- k* E& Q' }5 F(%) 2 A% P) H6 X7 f# u. R4 ^; a2 C Q/Q Ppt. Ch. Y/Y $ R- w$ I, y7 U, u/ k( j% @! [  `Ppt. Ch. Avg. since '85 (%) Canada - H( I! Z) }. u, M  L/ N  ] 325,300 6.8 - y0 @! P& [  {: R/ E 72,500 # x9 ?9 T1 ?7 m2 R 40.4 -2.4 ) f  S4 S% i" M( X/ F3 U6 s 0.3 . g9 R6 c: R2 |, o# T+ K' F4 O  X 39.0 British Columbia - `+ d8 ^2 U* ^) H( M 544,700 6 `! x3 Z- r$ Z5 w2 p 8.5 108,800 59.0 -5.0 1.5 48.9 Alberta 340,500 2.9 : p' S! D3 y; W# W 74,400 6 S7 w: l/ d* y6 p- m/ v9 h8 D8 n 32.5 8 A# u9 U6 F$ C7 g) a- j5 L -1.8 -1.2 1 ^; h: e) ^: S- L 36.1 Saskatchewan 312,400 6.3 ' w. R* \* F% a/ n2 y) E$ ?# U4 G 70,900 39.0 8 b% q, _1 x- ?) D+ z -1.9 -0.8 # H: s( v6 h8 ~0 P+ ^8 t 36.6 Manitoba 3 b7 o$ v. w  q1 b 251,000 9.2 9 Q$ T) z: G# ]6 N) m 60,800 34.7 " ~, \9 s8 \( t( I2 a1 H0 ^ -1.4 1 @; K) N3 I6 m& C' {. i  t 1.1 % [% Y" @4 h9 p2 j 36.8 Ontario & }1 l1 J- Z4 d7 E$ M0 H" M" R( c 337,400 # X( v/ J% Q5 s" k) E 6.1 77,900 : I3 o. F2 N' C( M; i 38.9 " {( k2 k/ v/ R -2.2 0.2 % r; `# G3 q: {5 v 40.1 : U: b  k# p/ T6 k1 S. V1 U Quebec   u( \* F, J8 j0 j5 H 221,600 9.3 1 H' Q3 Q! {; U( S' q" N 51,700 35.0 -1.4 # k0 w# K" ]6 z( o! E% B 1.2 32.9 Atlantic 196,600 5 r5 I( w7 I% H3 d 2.3 48,200 $ w5 }  I) Q2 L$ m3 D* H, U& }6 ` 31.4 ! h: m- {. N/ r/ v8 m -1.0 -0.4 31.6 5 s" S5 V$ _) i' z" I+ B$ } Toronto 466,600 5.0 3 r2 O6 l1 N! ]5 F) O3 p8 I6 Y- }0 i 101,100 2 o/ S8 a7 ?& R, W 47.2 ' i$ b5 ?1 p1 S0 E! C -3.0 -0.1 48.2 Montreal 5 i( x9 f' _+ Q 271,100 * R9 b! ~& a2 _  d7 N7 K 11.8 1 C- b- X! B& m- u( h4 h 61,600 41.7 -1.3 2.2 36.9 Vancouver " ?5 t* V( M- E! a 672,500 # g$ Q& g) w5 ~# c. O 9.7 131,600 68.8 # n, T0 i7 u, b7 n -5.4 7 w- R5 g+ f6 r  h; S: f 2.4 57.3 $ g: r! ^5 P1 A6 x7 x0 b+ }0 R Ottawa 340,800 3.4 ; ^4 x5 ~+ a3 X( f6 Z0 @ 81,800 9 D( l7 Y. B9 v1 Y/ R7 I4 C7 h* p 38.2 + d0 v% ?7 r5 M8 a -2.9 -0.5 9 ^+ ?% a. }$ Z* }1 c 36.6 5 U  n" X0 U9 y' Q Calgary   Y% c9 l! S! p1 v+ R6 S8 O 412,700 2.7 7 T# ]9 ~0 e, J% f' _ 85,00 + O1 a- p1 G. |! n  k. B$ |) y 37.1 -2.0 -1.5 39.9 ( a- |" b) d2 e& e- Y# f Edmonton + X* H( F$ t8 p( M! V  J8 R: y 322,900 ; c' w1 U9 R- i- ^( a. l 5.4 2 U' G' {, w% V( L3 v* t2 t4 U" W3 u 72,900 ' o2 U* Y1 L& x3 ^; c- C4 Q  B5 h/ { 32.7 3 I; B  r# u2 d -2.0 ! M9 v, B) y0 d0 H% |. k -0.5 1 R5 }. c/ o9 G6 c8 c) O 33.9 # C! s  j+ s7 a% j$ n7 bSource: 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

9 [# O3 b. z. l2 QThis 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:
  V5 Q9 |2 e4 ]  H3 L
Amortization period capped at 30 years
Reduction of government backing for home equity lines of credit
. ]- w  V. n# J: R! f3 jMaximum refinancing reduced to 85% from 90% LTV
There are no changes to down payment requirements as CAAMP recommended.
! a0 b. }# n8 _6 F
CAAMP will continue to update members on any new developments.

8 Q/ @7 N! \: c8 X/ U$ t. G% |For additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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