快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

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2010年12月

Bank of Canada Interest Rate ! B# Z6 ?2 }  q; C3 Z" H 4 U  H. x* B& R% ^ September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada 6 Z; ^4 ^) X* w' B7 l. U+ H1 i' o 6 @# w" d* V/ {0 Q3 ?. [& k ( M! e  P# y: t+ q" {Bank Prime Lending Rate - i$ ~; S# L* ]& U( K1 G , T- y7 y5 o" x. [ September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date & Y2 {+ w6 _9 t# D# F. s' KSource: Bank of Canada   m9 e- b+ T$ k  L) T& w* S / x  b1 y. {1 H& L Conventional Mortgage - 5 Year Rate* 6 H& `0 ?6 W7 n4 l& N September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 5.44 % 1 I& J* G) m- `$ r6 E! E6 wSource: Bank of Canada / r2 H7 X% Y) m$ i3 a  R*Determinant for high ratio mortgage variable qualifying rate 1 f4 s+ P+ L( X* w- h5 k; s: N ' y5 S1 s- ]$ E" G+ q* A + j! p. |1 c( vUS Federal Reserve Board Discount Rate   ~2 y! F& _& }: L6 u September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date Source: US Federal Reserve ! r# X6 G* z& g# j # b6 `8 X  K  |" l' O$ |& [" U% |' X 6 R& g' E: c2 b+ G' c& x" l , q* R8 ?, Y* M' x" v, yExchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada , m: j+ `1 x# ]6 I7 g( E$ S $ n3 R! G2 |+ Q# B$ A . s! r# w4 X9 b' S- Y% b# n 5 v5 G9 K7 J& L& I4 q, l+ @ & x; B' P1 Y8 [Government of Canada Bonds ( z6 E$ T* n1 }5 y 3 s3 D6 h) {+ i4 J' l Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1.21% 1.27% 1.39% 3 year Benchmark ) s: q' B7 N5 T+ fBond Yield 1.59% 1.73% 1.94% 5 year Benchmark Bond Yield 2.06% 2.20% 2.48% 10 year Benchmark 5 {& c  O4 I5 WBond Yield 2.89% 2.98% 3.19% 9 w6 O1 Z. Q$ sSource: Bank of Canada ' s, w% L: M6 z$ {. d  N5 S! [ * E5 e9 H% K# I ; @0 A+ j* k$ Z( O8 C* QTotal New Housing Starts (Seasonally adjusted and annualized) Province August 8 A: y9 }* R0 Y3 ~& H: H2010 ; B  |% l& E, q1 ?1 g9 I& O: `. ] August * j2 r: ^7 z9 ]9 X9 E2009 September 2010 % c0 L/ _6 Y' m1 N) q. w/ R September , a1 L  X1 a1 |2009 6 K% i2 ^) w3 I0 Z4 n. d October 2010 * h7 @6 @3 v' q October 2009 Newfoundland/Labrador 3,500 : X7 S  z* K5 K% w5 R( ~) H, m 2,400 3,100 2,800 3,400 2,900 PEI 1,000 1,000 500 ' T0 Y) y0 u9 V: a4 J 700 400 1,200 * v9 M  E  Y& w2 ]$ _& @  @ Nova Scotia 3,200 4,200 9 V  b* {8 N% C: b 4,100 8 [8 f" q7 C- Z/ D# o3 I 4,500 4,700 : q. e2 m' h# s8 x/ N. o4 } 4,000 New Brunswick 5,100 ' Q2 S7 \: B3 ^2 ^% F- K9 Z 3,700 2,400 2,900 : o9 Q$ [8 p& Z2 _0 P% n 4,900 ' E0 F  J1 J5 z" U, A 3,600 ; {8 ~# w; O/ J. L2 E Quebec 48,300 47,300 9 A6 D& `$ c- W0 o  _" x0 z 50,700 9 I8 b8 g6 m6 _, n 41,300 0 Y" j3 O# }+ N; Q" T! ]4 g; L 48,600 37,200 Ontario 64,800 3 b# Q$ p! @) m+ U; E( ~9 } 44,200 2 W" a6 C9 O. m% t' T& z/ h( ` 58,000 50,200 44,700 9 c9 b- V+ E' z7 i7 M' m 57,600 + A! p5 v" S4 A0 O& ^: `9 }2 k Manitoba 0 a3 k  c+ m! W 6,100 3 P( d0 {+ H5 A4 I( a 5,000 & D/ U2 ^: L' q5 O. `) W6 O 4,000 4,400 . Y$ Z/ J3 ^# x6 C; z( B 3,800 , l: w+ j% H% j9 @ 4,200 Saskatchewan 7,700 $ p! @7 q1 t  o% s% m, S 5,100 5,400 3,700 ! v: A8 y8 B! z' W) s4 J 4,700 " P: s- d+ P9 g) {8 A% t 3,600 ( k( [0 N; p; v! P# h' m3 ~ Alberta 23,500 18,400 27,100 22,600 25,200 25,000 2 z. }% r5 p6 i British Columbia 8 `0 g# m  J2 U$ }/ \3 S 27,800 - T: ?% C& O4 S1 W9 S 19,200 29,700 0 I) S/ N/ ?, o 16,200 27,500 7 {  h) A: i5 A 18,200 & i! P& V; C+ q7 C: b  v. I0 n CANADA 191,000 150,500 185,000 ; l% ?( [9 C7 L 149,300 % U& U9 G: f5 p6 m 167,900 / E& `3 q& e1 e( T0 |, }  @ 157,400 , Z% p1 f% c# D2 ~ $ h9 y( G1 I- k& L8 F: a# U1 SSource: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year. . d- {0 E4 \0 T; q5 z' F + c& Y( s/ D* W- r3 }  |4 E Average MLS® Resale Price for Local Markets 5 S. [6 g  W; ^1 A& Q" T 3 w# S; w- v0 F4 X$ x% n 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 0 A: t/ U4 p0 }: \7 E 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 $343,747 Source: Canadian Real Estate Association 6 E) h. Y, Y% G1 Q) n/ y% k$ a * v  [% G( A- R0 e" K8 E' D6 D! \ $ s; E2 q0 H, s # L; k: Y- ]( |6 g, \0 m( VQuarterly Housing Affordability Index Standard Two-Storey Average Price 0 j" E! S9 n% ]6 r RBC Housing Affordability Measure Region Q3 2010 ($) 5 A0 V) O( B  |- ]( _. ?8 _ Y/Y % ch. ! L  A7 e' }+ p7 h+ n% ~ Qualifying Income ($) Q3 2010 - W9 P# {0 ~/ J6 P2 {# o1 i- N Q3 2010 % _- y8 V: Z& {9 w# ?) l8 z  ?, J0 g(%) Q/Q Ppt. Ch. 8 m, q5 x3 |8 W( V- ^ Y/Y 8 X4 V* A9 h7 Q# E+ i# [Ppt. Ch. Avg. since ; x) y$ D0 k, n+ ?$ T'85 (%) Canada ) {# B% Z; h: ~6 C9 m6 ~: J 370,700 ! S7 a5 i5 e' g 6.3 83,100 4 V8 a) V  V+ z; z& J  E 46.3 : ]/ k( M0 h  N( g -2.5 # u0 ~7 o* v* r" Q2 a( h; v6 o 0.3 43.3 1 U5 \0 W- N- Y  M( z' y9 j+ S3 I3 i British Columbia 3 E3 j& H4 V5 t 624,800 8.0 1 M) C- P, o' I( ~( o9 y, [. `4 K 124,500 67.5 -3.9 ; r0 @- K* p* U6 l 1.4 " b! `( G, m) s1 s8 x- B 54.1 ' ~: H) R) H- Q9 h" f. l% G Alberta 365,600 5 V% J2 q- k) T: I5 W7 T 0.1 81,400 35.6 -1.8 -2.0 - m3 }) _* O: U) X' g 38.6 Saskatchewan " m! o0 J% c) _9 ]6 F# G" ]8 j 315,300 5.1 74,100 ) |/ V! d: q5 X6 Q( ~ 40.8 -2.2 0 c: r3 r+ K4 i9 S -1.1 1 G2 z/ U- B7 Y/ \6 L 38.0 . t" h0 }$ J8 r; ~ Manitoba ! ?* i7 ^  V+ `! w! }2 m 269,700 " d5 A: F& U; V- U5 a 7.8 65,000 - _4 }: p3 i, ^/ L$ j. n9 n 37.1 + @) s$ w: O1 O( V: u1 U+ i -2.3 0.8 37.7 6 S* d! c1 P0 }1 w; m& Z0 e6 R3 g2 e Ontario % P1 K  R3 n# p' ~6 v8 v+ {8 Q 388,200 6.2 & ]4 m3 f) D1 V$ m* V/ [- D 89,800 44.9 ! Z2 k. a. J! T1 y3 U; {' f -2.4 # b3 K) s# W' q: |, s6 w 0.4 43.7 Quebec ( ]" \' `0 |, v8 y1 d 262,100 , y0 A4 l: E7 k; U. Z# C 8.6 2 N: a% [# q5 I2 c, x" F3 L 61,700 41.7 * n2 W9 i6 C, |. Z0 l/ b5 j -1.8 1.3 38.8 Atlantic # b: |" m: J4 `3 j* V 222,100 $ O. a8 D5 K# x" ?( E2 r6 @ 4.3 + `2 M3 ]6 H- J5 _3 n- j 55,900 / O( S$ f- ~: M# a1 P5 p' T6 k 36.5 -1.4 1 `0 u, D$ L4 A" y- P# C 0.1 38.0 ( k9 u5 |) D! z" q Toronto ' I8 ?8 \2 u* f/ R& r# \ 554,700 - y, v( R, F# @2 p' {. d 5.6 0 z- o: |7 \1 L 120,400 ! A3 H$ d0 Q! b. U( |9 \9 \ 56.2 -3.8 8 _4 P  A0 I& _. g 0.1 53.4 Montreal % ?) H  H/ y: T 335,300 8.9 75,800 . ]! v: L$ V3 ^, ? 51.3 7 I/ \4 o$ b6 K7 h -1.7 1.7 41.7 Vancouver 7 d! a, \1 Q, k- S! @( x  [ 766,300 ' [" R6 m: b7 {5 R 8.4 149,400 * f+ G1 N5 k- s2 b 78.1 0 V4 w7 F, Q8 i' b& N -4.7 2.0 1 e8 q2 U% v$ W 62.6 5 B; w, X& b: B Ottawa + o- P* }: U! ^  c! f3 ~ 350,600 1 ]4 \$ Q. \, B  I6 X, j/ v 4.8 ( o4 C* [& ?9 D- H 86,600   B& H  S/ I1 T" q- Q- c1 O 40.5 ' ~' Z, d+ q: K -2.5 * k5 g1 l" _4 N8 ?6 Z- }% t 0.0 ( U6 x" G0 ?- L6 [' u$ x& ] 39.1 Calgary 1 u2 }2 D" h6 n1 {" f 410,500 -1.0 1 ^3 A' Z5 p4 Q+ i2 [ 86,700 4 `$ U! w* q3 V  h7 E$ I  D$ z  s+ [ 37.9 -2.3 : l+ G' u5 j; d1 }1 _, O# J -2.6 - d$ {- R' E/ N5 _0 `' ^# \ 40.3 9 X+ N; A6 U7 ]1 {4 ? Edmonton . m" \) M0 j0 M 362,500 1.2 $ E5 L5 O9 l4 I1 W( x8 x' d 82,500 37.0 + Y% C' N% p6 b5 y: h; f -1.9 -1.6 " Q2 a2 n8 b* B8 s. W3 A/ x 37.0 + d( V; b. \& @) C& S/ f: E7 E , f  U" R) L) [! N7 M, ? Detached Bungalow * z. A/ I' R- X7 H+ S Average Price ; x% v0 X+ V) A: g5 t6 f4 H7 X RBC Housing Affordability Measure Region Q3 2010 / l" _; E; }' @# P  A. \($) : w% D0 e% i8 L: T Y/Y 2 |9 Z, a& G% r6 f% ch. Qualifying 5 |8 `" E3 K) ?& RIncome ($) ) P% j) d% e0 F% e  A) s  A+ IQ3 2010 / ~# V1 d9 Q) ]2 ] Q3 2010 (%) Q/Q Ppt. Ch. ! v* k. T/ U% [: f; I Y/Y Ppt. Ch. ; J% e4 l( V+ ]0 q8 T- d Avg. since ( E5 D* X: s: N. g) h8 @: g6 C$ z. s4 q'85 (%) Canada + F  U0 |& H' M$ k6 G 325,300 # |; h+ K3 C: X, e# f( n 6.8 $ @4 t& x! y1 x4 u4 x7 o5 w 72,500 40.4 + a) Z( u2 U: |8 {. h -2.4 / j* i; D" Z* ^* g; C# s5 i 0.3 7 T4 E6 r4 e6 u 39.0 British Columbia % F, {* E# e! U2 H: W# G4 ?! t 544,700 8.5 * |! f1 v8 P/ l: p# b8 N5 G 108,800 59.0 -5.0 1.5 48.9 , {  j$ Y6 F) w9 a Alberta 340,500 2.9 1 o& _2 K/ @; x3 I" h 74,400 % c; ], D" m+ \8 R& x 32.5 -1.8 -1.2 36.1 Saskatchewan 312,400 3 A  Z& L; d: i" u9 M' g; \& h; z 6.3 8 r0 @5 ^) ]+ t4 j- a 70,900 ! I2 i( q- @4 Y) f7 f8 c 39.0 / v" d( e0 a8 O9 T0 X -1.9 -0.8 36.6 Manitoba # v2 f+ Z% K- j( n0 r% r 251,000 0 o" V; [7 b" g1 E! o3 H) C3 z 9.2 60,800 : x+ p; x, G: k0 ~7 t3 Q% x4 R 34.7 -1.4 9 p/ E* I5 {* ~( Q6 Z 1.1 , n: F: Y: m- X; T  } 36.8 1 K$ a* O5 E' E; @# |$ H Ontario 337,400 6.1 77,900 38.9 $ v) T0 i7 l/ {8 s8 k" m" H! @+ g -2.2 0.2 * F; N% L( Z0 ~8 r& N- L 40.1 Quebec % o6 c  E" I' g0 W) |9 j( ? 221,600 9.3 51,700 " O. @4 e6 ~8 j3 D7 O: N7 ^/ V* \ 35.0 3 y8 T/ j. ~- F* l2 q -1.4 1.2 32.9 & t$ n' x% i4 X3 D/ Z( K Atlantic 196,600 2.3 & S2 E+ _% M8 h% b 48,200 , [! ?7 ~& L* }, l$ F4 u0 S 31.4 , \% h. Y. `6 C. s& w& c$ Z -1.0 -0.4 " s; A' @% O) F8 A, A: [ 31.6 Toronto 466,600 ; x/ h9 m: N5 i 5.0 9 B9 U% f8 _6 g7 w1 W1 F 101,100 47.2 - a* C( m8 G4 c/ R2 a+ d  ] -3.0 -0.1 48.2 ! x0 w/ T& K/ N0 |& T2 \( N Montreal 271,100 : \) w2 O# W9 e3 b) v 11.8 : u- x9 |+ \( O/ H 61,600 41.7 * o3 K2 r' ^7 r8 ^6 g$ X -1.3 . e/ Z8 {4 H% r. {( c 2.2 ; q8 ~& j. [& E3 B5 P5 X3 q. a# t 36.9 Vancouver 672,500 & r) }/ {4 N; Z; s 9.7 ( {3 E7 W% L& [! E7 Q5 I: E' y; ? 131,600 68.8 ' \9 y! c' {& F -5.4 9 i0 V: @" z. a8 u/ V) y 2.4 - ]* Z) B2 v. _2 K. F 57.3 3 s" T" D, _, _3 z2 \+ y. ^$ q Ottawa , N3 l/ ?) @/ z0 K! E( l% O 340,800 3.4 , D7 u( K5 D& J8 @4 ? 81,800 38.2 -2.9 -0.5 # t( u% A5 b7 `1 J 36.6 1 J0 O1 ]2 k. S6 Q/ Y. c! j Calgary 412,700 2.7 * |0 T' J' v5 t. P9 w6 g 85,00 / \% |& [; z. B. \5 ]! r5 @ 37.1 6 i3 H6 e' m% j) A, x -2.0 + M, f6 p& c6 f& g3 P3 N -1.5 39.9 Edmonton 322,900 5.4 72,900 32.7 # Z2 M' Z9 [5 R; V9 L -2.0 -0.5 # X2 {8 j2 \. ~( D. {# ~! r 33.9 . _" I0 W7 M+ Z6 L& |  {/ d 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. ; r: O: k/ t% _1 o% F7 @! y/ ^; v ' ]8 S6 S2 O- v

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" h$ K6 T- B6 c$ o# \$ x4 r1 b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.     

0 e6 O- }: y; {/ qThese measures include:

# Y3 N) i* v% d) |; M0 y3 SAmortization period capped at 30 years
6 a2 O& O: r. s, z, A( H. m0 fReduction of government backing for home equity lines of credit
Maximum refinancing reduced to 85% from 90% LTV
2 l  U7 i9 i; I. c* e6 w# UThere are no changes to down payment requirements as CAAMP recommended.
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( s' q' o1 `3 z! c( f  }! FCAAMP will continue to update members on any new developments.
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" M" p! B8 B' c2 GFor additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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