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 S# X2 [5 W8 F9 m. F% O; v1 o September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada Bank Prime Lending Rate September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada ! L& p) J& T; G3 W9 C ' x- h  l% @# _; D Conventional Mortgage - 5 Year Rate* ) P2 I6 w0 a- E. _ September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 5.44 % ! S$ b$ `+ I# ~% S9 K( mSource: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate ; s; m* K- X7 L' h1 h8 l# I7 [- h 1 c" Y' ?1 {' w, E US Federal Reserve Board Discount Rate % B! b" Y/ {8 N% P4 C* H' B - ]5 t# T: [% @7 b2 F% d September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date 5 f0 A. M- o, U& s/ `: mSource: US Federal Reserve * h9 O! ^8 p7 R" l9 `8 Z2 P2 }4 | " q6 s. S7 w: x7 ~ . Y, k2 y6 f" |" P' F + N0 x5 E: `+ l3 i$ M9 V4 qExchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada " B$ k$ x8 ]4 r( U 3 v/ s# O  E6 m# Y; ^8 d/ Z 1 E3 E# ^+ \! Q5 \, D" X( vGovernment of Canada Bonds ) s! I0 J! V2 g ! W& l/ T( e2 Z6 O, y4 w Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill - c5 u4 L) F2 n 1.21% 1.27% 1.39% 3 year Benchmark . S4 y; Q, b2 n' `8 H1 ABond Yield 1.59% 1.73% 1.94% 5 year Benchmark 6 w* t+ R% G4 \  v1 vBond Yield 2.06% 2.20% 2.48% 10 year Benchmark Bond Yield 2.89% 2.98% 3.19% Source: Bank of Canada / w8 h: t% I' U: ?" I5 } 9 E6 l2 b$ x6 d: l& @0 y6 Y1 w + H7 O3 n8 K& g8 u( eTotal New Housing Starts (Seasonally adjusted and annualized) % J+ B9 y" D$ T  H. @ Province * H: P. m7 \- k4 C$ A6 a8 z August , W/ m6 ]( _2 D7 r8 D) B  H2010 / d% p2 s) r% U, w August 2009 September % H8 ^1 Y2 f3 J1 I3 l& R9 j5 a2010 September 2009 October 2010 4 q1 E+ M' _; U  e$ n October 5 U0 a' H- Y0 S8 q6 d! Q2009 " y7 f0 i5 r" Q) X6 o1 e% B Newfoundland/Labrador 3,500 5 \8 a! z4 E7 m, H' s; @ 2,400 1 N, n0 q+ U/ v1 d) F2 V( r" s 3,100 ) ?" w; {( T2 }; @ 2,800 3,400 ) V" V4 A7 m1 B 2,900 & A" H2 W+ x6 |* R% p# f PEI 1,000 1,000 ) }5 t% b3 y7 W; J' p( K 500 700 400 & Y6 C  h/ G. n: m 1,200 7 ?! p# o2 ?; T: j" } Nova Scotia 3,200 4,200 . i0 V( @9 d9 e! e 4,100 ' l9 F" j+ ?3 d! b: c1 c* [ 4,500 4,700 4,000 4 u0 c2 f/ s+ o+ J+ ? New Brunswick 4 R+ z* D2 I; p$ J+ Q 5,100 : ~2 U% C( W( g- o" }& b 3,700 2,400 : X4 E8 H1 C& | 2,900 0 M. }  i1 R1 f 4,900 3,600 Quebec 6 q0 ^- q' J4 D' @" j8 B 48,300 5 L9 Y( a$ P# h0 E9 V$ l 47,300 7 f7 x+ W$ s7 ?: S. L6 N! a  N0 Q 50,700 ( E( U) P/ O1 p( X4 W  d$ {) ~/ Q 41,300 48,600 37,200 2 N+ n  V5 c: x& S" ]6 p/ ^+ e  l Ontario & T4 e% g* y. _% q* S* u  i& Y 64,800 / m: B( c0 }  j 44,200 % c* {2 N: R3 o! D9 `* N; D9 n2 [! g 58,000 ) q$ H$ p! j4 \& D/ w) \: K( ] 50,200 4 K- c" g4 O' J. v9 ^ 44,700 57,600 ( ~! a9 i4 Z( [( R8 C5 L Manitoba   a  D1 {8 Y: {" Y1 D: _* H9 ? 6,100 2 Y, o6 L! e( @( u' B$ w" E 5,000 ; i% U1 e- i: K 4,000 4,400 2 ]8 s/ t4 F& ^9 A 3,800 $ I2 n9 k/ e! l- i6 p 4,200 Saskatchewan 7,700 5,100 5,400   S" @6 }  Z- p% N1 U' ]5 [ 3,700 # o' k/ B# h" I1 T$ U8 }5 T 4,700 3,600 + u% d( r6 \( B" S% M9 ]8 t& O: c4 z Alberta , E' ^& N( ~4 H$ j% c' I1 ~6 d/ z 23,500 + m1 Q' A: D5 J/ x/ o 18,400 * w4 D+ ?6 ^- k4 j" K 27,100 ) `) O' H5 Z5 H5 ?6 [$ _7 L" S7 H; R 22,600 25,200 $ w/ X- |2 J1 \, p0 P 25,000 0 `% d1 A$ k- S* B$ T, Z* A! o British Columbia 27,800 4 {( E/ k' b- F3 l8 g2 U7 ~* Z 19,200 29,700 16,200 27,500 18,200 9 _6 W0 }& H! |! u" y8 P- W CANADA 8 I5 [  s: g1 k* v 191,000 " j- L$ W1 U( T2 }9 [- J$ X1 n 150,500 185,000 ) D7 c5 T, N. x6 f( {* A- P/ G8 g 149,300 167,900 9 M, N/ D$ ?/ a 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. 3 ~8 t( t0 @* R8 ]% w5 Q# O, U) y " D6 c& O; R9 n( W/ iAverage MLS® Resale Price for Local Markets + i( [1 `' ], D6 F, e# f7 U% E ) ~6 }% f8 u; v7 c- |# A : i! c8 h/ u6 V* Y9 X4 X% u+ ~ 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 $343,747 4 F9 S$ b/ ]& y- G9 YSource: Canadian Real Estate Association 7 z+ Q: |/ k4 J ( t: d$ ~8 d! ]1 _" L / P4 Z/ E# w, s6 ?0 s$ J/ c 5 g( P! w, R2 v  t$ z- hQuarterly Housing Affordability Index ' F0 S$ Y+ v  M; c7 H8 ]. v; b: h Standard Two-Storey 2 D) H/ h8 h- D( k0 F6 G- v Average Price $ g1 T6 E- N! j) f6 H / c3 ]1 {0 @6 J, X, v3 i6 O9 G RBC Housing Affordability Measure Region # ]7 Y1 t, o/ T; j Q3 2010 ($) Y/Y % ch. 0 W& F* ?5 a- {8 D" Z- f Qualifying Income ($) / Q# S8 R- V! u/ [: j+ a& hQ3 2010 Q3 2010 7 o8 ?9 K9 `( l! Y( t7 `(%) Q/Q Ppt. Ch. ! A( _7 ]" R4 X. T% I: @- ~ Y/Y 5 Y6 V4 Z; l7 E% C7 g# V; D+ L! WPpt. Ch. $ U  R, C& n$ X0 _: _1 s Avg. since '85 (%) # Z, o" X/ r( N& n" ^. Z Canada 370,700 # @9 E# u! I& v 6.3 8 b3 d, s6 e- K1 A5 R 83,100 & o, |4 p- F# j3 J2 B% C$ q 46.3 -2.5 2 l$ Z  `& {  U# j1 r 0.3 7 S8 ?9 |" [( Q0 G+ Q8 ] 43.3 British Columbia 624,800 * n. A  ]; Q8 d7 @9 h& n- Y: t 8.0 124,500 67.5 -3.9 4 x; f/ J9 L  a8 D- f/ [ 1.4 & y7 \+ Q3 Y$ | 54.1 7 Y) F  ~7 v' j; p6 b- f3 e Alberta 365,600 % t& C2 G4 C1 ^* n7 F 0.1 81,400 35.6 -1.8   C5 ^8 f  _! K% O/ {0 b; t -2.0 38.6 Saskatchewan + t1 }  S( d& D  |7 M0 J 315,300 5.1 1 C4 c, r6 D# t1 P3 } 74,100 40.8 + B* E. S" x; o, A* H7 W -2.2 0 w. |; `. o' Y/ Q -1.1 ( l+ ~$ j8 g% G  g  p) \% ]7 |, |7 o7 n 38.0 Manitoba 269,700 5 m: H; `/ n2 u6 i9 F- q: B5 V 7.8 , h: e. G+ i/ ^2 D0 ` 65,000 ! }  t/ v! L) Y* M. W 37.1 : X, d; c7 E; X- S: G3 R  c -2.3 & b! b+ i0 q9 k4 N8 H 0.8 37.7 0 M. l# I; O) P1 n( R9 l Ontario   I2 X3 ?' y# s4 b. o5 Z 388,200 6.2 + K2 r3 f, o7 C6 ` 89,800 ) g1 i) [  w7 N, q+ A 44.9 6 s" R7 |; w% ?4 V; X -2.4 0.4 1 v( v1 P# O" [8 L$ x8 J* i. p$ |* Q; H 43.7 Quebec 262,100 8.6 7 f- y4 y( h( I 61,700 : v, W) C5 l. j- h6 b 41.7 / X( b4 E' y' Z; e, G3 `  T -1.8 1.3 , N$ U. w7 G4 L/ ?4 d5 b 38.8 Atlantic 222,100 4.3 55,900 " c4 f3 v( j! C 36.5 -1.4 - n7 X; c0 ]9 N* e7 ^2 K 0.1 ( T5 ^7 _3 g4 N# V1 ?7 Y! j1 O% G 38.0 ( x, f0 q) G3 g: u& e Toronto 554,700 5.6 120,400 56.2 -3.8 0.1 53.4 Montreal $ v6 d. T+ k/ M 335,300 8.9 75,800 7 _% s8 g7 T, N  O 51.3 -1.7 7 \& w! V* f5 R) o2 o5 \ 1.7 5 R" k+ P. k' H0 a 41.7 Vancouver * u' e0 H& Q8 q9 t6 Z 766,300 8.4 4 N& _/ [. E; ~8 ~ 149,400 78.1 -4.7 4 |: H9 A/ L& h" o8 y' z3 O# { 2.0 9 H! W( s8 {( S 62.6 Ottawa 350,600 4.8 86,600 8 ^% e7 y; M# \8 m/ j" y 40.5 & ~% A" G7 j& Z% P9 a0 f6 w -2.5 / m; s0 ]" S* I" d7 X0 v+ E 0.0 39.1   U) n  o2 H* X5 N* ~ Calgary 410,500 -1.0 86,700 8 P4 h+ O+ w4 z" K" c5 o 37.9 8 J2 c# ^2 d# }2 c: b -2.3 -2.6 . w. C. o7 |# P+ \3 t 40.3 Edmonton 362,500 1.2 & m. s& P3 }. e. I! {; N 82,500 ' {0 U; W9 j/ s$ x 37.0 -1.9 % |+ H" X# {8 ^! ^; u+ ` -1.6 1 M! o; [! ~- s( @ 37.0   @* u! p9 {+ L- X7 g3 ^: _ / m8 {3 \5 _; q# S% a Detached Bungalow Average Price ( ^( C9 N! q" a" F4 K& L! F RBC Housing Affordability Measure ; F8 G- X! Y" G0 T Region 3 `9 o( z, d: }% f$ \- Q) R Q3 2010 ($) & v5 k2 G5 S, T" L  D Y/Y / e! |( b/ |' Q8 i% ch. - U1 f) e" A1 m' t) o5 z5 u Qualifying Income ($) % T  }; \8 j# F6 p8 ?Q3 2010   l. O# H0 A5 x, i; S Q3 2010 (%) ; @+ B  G4 ?# G  t" ?, ` Q/Q 6 J, @( [: l3 z( yPpt. Ch. 9 ~. M% P% c3 ~- v. V4 p6 \ Y/Y . }# b/ X+ c# r- K. B! PPpt. Ch. " A' L' Z, E( t$ \1 @ Avg. since ! d8 s5 A$ i/ y% W* q2 v'85 (%) Canada 325,300 2 g+ w/ n4 G$ l) d 6.8 - \, A* y3 m& ]. P 72,500 40.4   {) \- H7 i  K& y -2.4 3 t! Z! z* ~; q5 Y6 s. E1 v9 }5 Z 0.3 39.0 " V" ]5 ^) v" p  p British Columbia # v# |$ j. C  G0 Y, g/ s9 w 544,700 8.5 108,800 ) a; k( g1 b5 S6 ^ 59.0 % a0 k# R' x7 q2 W -5.0 1.5 48.9 " m" N% a6 f3 I Alberta % J# H7 l$ n$ f# c: P2 r 340,500 ; G* S+ p) i$ ~( J 2.9 ; _* ]* T( q7 i+ r( e- q2 b- z 74,400 - M4 K; |2 [5 l/ {& D4 y 32.5 & F* Z# c% x# K$ K -1.8 ! C% V+ n& P8 P/ N( \0 Q -1.2 ) E( G$ A$ e% u% h4 `9 F: Y/ X 36.1 Saskatchewan 8 B/ P, `$ E3 `$ ^4 v 312,400 ; S0 ]- M+ D+ X) |; ` 6.3 70,900 39.0 , o$ x* Q( a: _9 m -1.9 -0.8 36.6 , u( X/ N( K+ n1 m8 ^, \3 V& c! G( p Manitoba 251,000 # v6 j2 V2 c& X: r% R2 A 9.2 60,800 - `! I) U: ]( x7 r0 V! F 34.7 -1.4 1.1 ; }* d) B/ p6 l$ ?" t3 \5 S 36.8 ) v' V0 }4 ~- Y1 @) b5 B Ontario 337,400 6.1 2 y4 a4 A. f0 d; k/ Q! l" ? 77,900 38.9 % L; ~/ _$ t: h% Z8 h3 |) H1 k, J -2.2 0.2 + m; x8 ]" T( w 40.1 Quebec . Z) A# H3 B; x8 t 221,600 9.3 1 j  Q- [# m# m( f) G5 \! x, B' ` 51,700 8 C6 Y- R9 z2 ]7 t* a. ]  } 35.0 -1.4 9 B2 K6 \$ G; |7 B8 n 1.2 , p4 k5 l+ u  b, C: N) f, Q, ] 32.9 Atlantic 196,600 ' r) F- g" o* ~: z7 z2 C/ E2 @: Y2 B 2.3 48,200 ; f4 O  c: Z5 U2 E4 X 31.4 -1.0 -0.4 0 Z- g9 {. v* } 31.6 . m6 k5 J4 v- r' ~( } Toronto 466,600 5.0 ) k* M  o/ V8 ]0 h1 Q 101,100 47.2 ) X8 w- J. T% T" `  u; e2 B8 Y -3.0 9 p4 i# b7 z1 k -0.1 48.2 Montreal 271,100 . u' i) F* M6 E6 _# a2 z 11.8 61,600 41.7 / T( E: W4 K. M! p -1.3 , m! E+ k# r2 S# W 2.2 36.9 0 c$ w- F! S! N6 _6 e8 A4 M2 V/ o Vancouver 672,500 6 L; Q' @; ?9 }4 \: D% w 9.7 131,600 5 ?" B5 L6 Q/ o 68.8 & r# @. A5 A2 [$ i- b2 m -5.4 ; d9 w9 ?2 H( x0 r8 Y0 L- N/ m 2.4 57.3 Ottawa / n5 e) Q; f. y" R( T 340,800 : H) f' B5 \' _5 L) f5 ^4 ^ 3.4 81,800 6 c& J' l, U1 Q. p9 ]' f' O 38.2 -2.9 ! [' A- O' _$ @  a4 w4 x -0.5 36.6 Calgary 412,700 2.7 ! L1 M, u2 b" B* V/ h# L# ? 85,00 37.1 8 x+ I  V0 P. u. I+ O( \. N8 q, N -2.0 # L+ q& {/ U! B; p, {1 J -1.5 39.9 8 _) T) `& U" i6 Q; A# u* C; b Edmonton 322,900 5.4 & N1 ~" J! o  {6 @ 72,900 32.7 -2.0 / f# n7 R: T$ B' `' f9 _ -0.5 : p3 X% @# n0 m$ ^3 y2 k. S) L* y 33.9 2 S- r& Q: k4 C, K! s! B 6 S9 X1 c; w1 S4 X# W . T/ s, a& D4 c5 |+ z7 E( 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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年轻的心

% d" E& U4 ?, f# X6 z! p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.     

These measures include:
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Amortization period capped at 30 years
Reduction of government backing for home equity lines of credit
Maximum refinancing reduced to 85% from 90% LTV
( ?" ]4 @2 F$ u7 i: V/ BThere are no changes to down payment requirements as CAAMP recommended.

. |  K! m( X9 Y8 xCAAMP will continue to update members on any new developments.
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/ Q2 f9 v, j& w# q3 eFor additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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