快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

2010年12月
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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 % ?9 W' L6 V4 ~4 Q- u' v( P* ` ; ?* i) y5 z0 L# M Bank Prime Lending Rate ( Q  g. j5 t7 O: Q " m4 q7 u- @9 N, Y2 M4 k + Z* K2 A2 Z: a; r8 v September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada 7 T9 N: k: t9 w) }+ b* U Conventional Mortgage - 5 Year Rate* & t1 _! h2 @# @9 J8 ?: K8 i ) S# ^) X  w; P. S9 E/ U 5 e( h/ m/ k2 _- O/ n* v9 T% ?+ P September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 ' Q) c- u! x/ J. U& L 5.44 % Source: Bank of Canada 5 B! |- _9 F2 y, z( |' P; h*Determinant for high ratio mortgage variable qualifying rate ' L, d- _0 X% {6 D4 A US Federal Reserve Board Discount Rate ( O7 {# d8 B2 X! j, j5 G September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date Source: US Federal Reserve 5 Q4 [" m- h- B, Q: o% A Exchange Rate $CDN($US) 2 |/ U: i# V* I1 u October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 ( N+ x$ F% H) _4 WSource: Bank of Canada 7 g! w8 D! S! I! ^" }2 C! t 0 b8 r- {0 S+ }/ I9 z" o + X! `0 _0 K6 M% i* q / b6 S3 ]; @0 M, ?8 \2 B( Z 1 G) K5 G! e, mGovernment of Canada Bonds Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1.21% 1.27% 1.39% 3 year Benchmark " x; |: p8 b+ @  V, jBond Yield 1.59% 1.73% 1.94% 5 year Benchmark : S8 v' z  V. `6 J9 mBond Yield 2.06% 2.20% 2.48% 10 year Benchmark Bond Yield 2.89% 2.98% 3.19% Source: Bank of Canada 3 j8 F0 }9 }. B$ r $ n" I) B8 C( f* z5 N; g: @- z. r0 ^ Total New Housing Starts (Seasonally adjusted and annualized)   H7 z- M, }3 _% m; z2 T2 I- L Province August 2010 August ( M2 }1 ?& ^% o! K% o( {. L2009 # K) K3 Y7 a! w September 2010 2 M2 z1 C( C/ U September 2 E8 i: K9 l) S6 ]2009 ( x) X. s" |+ i October 2 \2 I% t) f+ {$ ]6 {2 n2010   n" }, h' `7 e$ m October 2009 Newfoundland/Labrador $ Y& T3 V. `$ r* h 3,500 ( n7 |: Q' \. e$ r. R1 X- m$ Z3 p 2,400 4 R- ~+ M7 F6 F+ _" _, B( P1 h 3,100 2,800 ' c) T4 n  L8 f: s0 E9 K 3,400 2,900 PEI 1,000 1,000 ; {% j: r  T6 ]5 r+ ~( v 500 700 400 $ ]. e/ B1 ?5 p$ p) D0 l, v% Q 1,200 Nova Scotia 3,200 % q5 M8 Y& o5 O* I1 e& ^ 4,200 , e5 w( h1 m  [: f: L2 k 4,100 . [- D0 L6 a' e) H 4,500 7 n/ `0 k' J4 r9 r 4,700 4 A; e/ {$ L5 r, M. W# Y 4,000 , l* f; l, h' d New Brunswick 5,100 : i2 F" A6 Z5 c" P$ i 3,700 2,400 2,900 4,900 3,600 Quebec 48,300 # @4 [2 z8 B6 e0 \" ~( B- W3 H$ C2 Q 47,300 50,700 41,300 48,600 % i6 d, @, X6 Q/ P 37,200 $ C5 y5 z9 ^4 C' |4 O Ontario 64,800   U3 Y: L" k3 J% X 44,200 + _+ T0 r& ]3 c1 y: \ 58,000 " [1 _3 `* ~0 K4 f: Y 50,200 44,700 ! ]* F2 C% Q1 \/ J2 W: X0 f 57,600 ) S. W- }# _+ ^ Manitoba 6,100 5,000 ( w% j$ d% c% D4 [! T, J 4,000 2 A. j0 y; S+ @ 4,400 3,800 - ^; Y6 [% ?0 z' I 4,200 Saskatchewan " m' j) D- [' i' ^& z/ v  }( S 7,700 . A3 @6 L& M: S7 K+ {" Z% G, A 5,100 ; W5 P8 `2 d2 }$ `* ] 5,400 3,700 4,700   w" m( ?( J  `) L 3,600 Alberta " P/ x* p+ B2 L' M$ H4 p 23,500 + T; E. r3 @1 K+ Z 18,400 27,100 % C+ H1 z3 o/ w7 P8 |6 B9 H 22,600 + t! j. ]1 }! @! o+ { 25,200 * t" u, W- t: E7 z, R1 [5 x; r 25,000 British Columbia   @6 N1 w7 D% Q 27,800 19,200 . }% e: u4 ?/ ]6 } 29,700 16,200 ' W: L5 I( m( S% D# T+ F- w4 P 27,500 1 E5 h2 U2 L, x% k; r 18,200 CANADA 2 Q+ p+ R2 s- m: L# V- q+ N; E 191,000 : W9 o, t/ J& b$ J8 g- Y 150,500 185,000 149,300   `; W$ T2 x( ~  Y  Y; A 167,900 / d( r0 r# V0 l  a0 h 157,400 2 Y/ [- b2 {2 P/ ~4 j9 e0 C 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. 4 b9 T- L4 F# ~. i5 r( J3 I0 i 8 y. s7 X9 y0 v0 J/ F 4 Q2 I" i- h( q4 n 1 U! z! f% S5 W; N. x+ T7 e% zAverage MLS® Resale Price for Local Markets 8 _" m! s. r, c# J % D3 @2 `  O. d% q: v/ ? 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 : R0 J% ]; b! D6 ] ( [4 h# H8 `" P- {0 _1 V Quarterly Housing Affordability Index   R0 H8 f" M2 ]9 z Standard Two-Storey $ Y" p$ i: Q. F& K , Z# H2 o! U0 A( a& [$ F1 Y Average Price * K1 e, ]8 b+ E" G% Y& N RBC Housing Affordability Measure Region Q3 2010 ($) 5 d/ k- V' ~* _; X Y/Y % ch. Qualifying Income ($) Q3 2010 Q3 2010 % y0 B( f) `& M(%) % m$ ?+ M9 H4 Z' V$ B1 A  V Q/Q Ppt. Ch.   F1 ?) _; T% I0 }! g Y/Y 8 p/ @9 Z# I4 f1 F/ l; f4 _% m  RPpt. Ch. & Z3 M- ]: j, o' u7 y Avg. since / ~1 ]3 R7 _  f2 k" g'85 (%) - I. R: E! I# Q0 X5 h Canada 370,700 " [+ {+ S0 u# o5 h 6.3 , ~1 J+ V. {+ p3 | 83,100 * J6 m% T! O+ L0 P 46.3 - d0 Z$ U  Q3 J! Q0 n7 I- ] -2.5 6 k3 t" o) b/ v+ ~ 0.3 / V  k5 C: _6 C4 G3 W 43.3 British Columbia 624,800 0 _# m. H- t: o 8.0 + y0 M. \" A" O3 w9 V9 X" E 124,500 67.5 -3.9 1.4 54.1 & E/ e4 K3 t9 U5 { Alberta 365,600 8 U" }4 E  d- }6 f" H" k6 j 0.1 81,400 ! G6 w7 P( Q! c2 @0 h1 L* u  g 35.6 -1.8 / M  O2 R' d: ?- J5 Q8 E -2.0 $ G  M/ U9 P! {& B+ P' w 38.6 Saskatchewan ! H" }' {' m- }2 }$ i! c  k* P9 E 315,300 5.1 74,100 40.8   t8 a# n: {* a* r, i -2.2 -1.1 5 a, H; f9 b; v# R* c2 r 38.0 Manitoba 269,700 7 G4 Z% X* C6 o* V4 z. j 7.8 65,000 37.1 * F& v4 @4 z. k4 e1 H  D5 Q -2.3 0.8 37.7 Ontario 388,200 6.2 89,800 9 t4 W. K$ U% U) D* {; N+ v! t 44.9 - x4 U  R+ i% U) I -2.4 0.4 2 l6 w* O# L( k5 v' i 43.7 Quebec ' S0 d& ?7 H  V) g 262,100 . S- T# {5 v- r& S$ E 8.6 8 D' R' x; n1 t 61,700 41.7 -1.8 5 _8 Y4 E: R& u 1.3 38.8 Atlantic 222,100 4.3 4 E( b" a3 X1 o$ R* d  c4 m! s- t  i 55,900 36.5 -1.4 . Z- e) M4 Y' w. c) V( r7 i, S 0.1 8 u4 x0 k6 q: t: c3 @( \( K 38.0 " ~# O" m/ Y: N/ a/ T. ] Toronto % F8 Y) E% p0 P/ D3 r+ y2 Y 554,700 5.6 120,400 / A6 n# H/ q7 [% ] 56.2 9 Q$ |, }7 H2 E5 P -3.8 8 B: P7 s$ W" h7 y' Y 0.1 , j; _9 ?. z6 S( k' |" a  o& i 53.4 2 J' \* a$ N9 Q: R9 ^ Montreal 335,300 2 b. g: A. o1 q- U' t7 r 8.9 1 v0 ?! M9 D6 p7 {9 A7 [ 75,800 51.3 -1.7 & n6 h+ g& ]7 k4 ?; J 1.7 41.7 Vancouver 766,300 ) g, T+ b' H( Z' \. p 8.4 5 z% ]+ h: f7 D  R8 H 149,400 78.1 -4.7 2.0 62.6 Ottawa $ F: Z0 b8 Q, X+ p4 q: s4 ]( ? 350,600 ) _, L9 D( o# l) u$ M 4.8 86,600 ) q2 S2 ~4 i& v6 g, C 40.5 3 u/ Q; k$ b& U" A  L7 _ -2.5 0.0 3 `& L- e4 h. @  l# ~, G- L 39.1 Calgary 410,500 -1.0 1 Y6 c" r- L  j1 q1 @ 86,700 $ m* g# o2 S7 I3 ]/ e4 f8 |% P% r 37.9 -2.3 7 Q$ q6 _/ f; D& Q -2.6 40.3 & [$ h) C/ L- c# o Edmonton 362,500 1.2 82,500 3 Q( o) o0 f- `7 c2 v 37.0 -1.9 -1.6 5 {6 [( u. G4 ~& u+ Z/ m6 v  b 37.0 Detached Bungalow Average Price RBC Housing Affordability Measure 9 V! P! _8 e; E' g/ N- | Region Q3 2010 ; S9 X. p' g1 S/ c($) : p5 o! }* l9 A- e" O& s Y/Y % ch. Qualifying Income ($) # x# d/ p3 e% m, hQ3 2010 Q3 2010 (%) 8 R* P3 c. j% a/ C& L- z; b8 H Q/Q 1 n! Q+ P" R' uPpt. Ch. Y/Y % R( `4 q' N1 y/ t3 z- FPpt. Ch. 6 f# j* }- W* K Avg. since '85 (%) Canada 325,300 ' m  P& e4 b1 d" l: ?( R 6.8 72,500 40.4 - R5 }! }( w4 }% o -2.4 ! E+ g" T+ C! j 0.3 39.0 British Columbia 544,700 8.5 . w! [0 S( A: Q3 X- h 108,800 9 h2 T' g$ x" x& y; y' r+ D9 A 59.0 $ N1 b0 p9 y. {. b1 X. j -5.0 $ A0 s+ A" |3 V  j: F* Z3 i 1.5 . S5 ?% D8 w9 X) {! U 48.9 , i8 X) \: H8 { Alberta 340,500 2.9 74,400 32.5 ; {4 ^1 B6 c, k( u& E! t: z3 `! h -1.8 ! j/ ^9 t/ M! |( z& _: H. Q5 J -1.2 , w# w! O9 i3 p) F0 g! x5 i' W 36.1 6 c# w, V+ b) p9 ^" z) ] Saskatchewan - t6 [/ ?) C- d* X9 Q  G  j 312,400 6.3 * [' x* J7 \0 D; H  i9 c/ u% G2 v 70,900 4 h& b" E8 x* m' k2 P! O 39.0 -1.9 1 ^2 u& O" B" a5 N: J6 j& @4 Q -0.8 $ J, R) |6 J6 v1 p1 p 36.6 * I3 @& Q% ?& `% }5 `# _5 s Manitoba $ U. P, E% A  L% [3 ?) {: e 251,000 9.2 60,800 34.7 , ?0 h+ T2 ~3 `& K9 H1 @ -1.4 6 P, ~1 R, [; N# ~/ R 1.1 3 a8 z; r; u- T& p0 f 36.8 Ontario 337,400 0 K9 B, ~, @8 U- @ 6.1 / D: H* I3 D$ Z' F/ O) x 77,900 . C; T' z& ~0 |" p* ]9 a 38.9 9 |8 Y7 ?, N' b8 A6 g: H -2.2 0.2 3 v$ c  R  G( J( s  \5 H" z 40.1 Quebec $ M5 `0 y0 g3 {4 t2 M& U4 ]4 v 221,600 " J8 g( D0 ^8 t6 A' f' h+ r9 k; o 9.3 7 ~* q! [6 a( }9 i0 v 51,700 35.0 ( G5 A4 y1 A4 L1 q% e -1.4 6 e) \- S4 A0 t% Q0 u6 C7 [+ T 1.2 1 o* a4 I/ M6 y) h 32.9 Atlantic 8 d' `9 I) H6 d/ |5 @  J 196,600 0 q6 i# u8 \5 C; W7 @ 2.3 , Z5 ?% N2 k  }1 C8 Y5 t6 ] 48,200 31.4 -1.0 & S+ ]0 \  ^3 i2 H -0.4 31.6 * U" k% ?6 D+ p4 D5 n9 c Toronto 7 X5 S6 v7 {% P 466,600 + K; A: s" R2 j8 T% p) t 5.0 8 H, h. g) i6 N& k& ` 101,100 0 h4 N/ ^$ r& S# ^/ W8 @. Q. ^% H 47.2 * k' }, J% T3 p( i+ |% Y' K6 V -3.0 9 h6 Y) V9 ~* w -0.1 48.2 ' d6 n' v& P7 M, X Montreal 271,100   S+ w5 M. L1 S" D1 a. `1 W$ o 11.8 ! p- {, O+ H6 l' {8 y. R- _ 61,600 41.7 4 C' _) d7 w+ }) l; D -1.3 2.2 ' m/ N; N* B" E$ m) f: v( F 36.9 Vancouver 672,500 + u" S2 u7 J  u2 z! n, T 9.7 ' _* _/ O% U& p% q% a" W 131,600 6 p4 ?) {3 W  i) }( f6 v1 R% r& R 68.8 ; u. ^( u# p* X: u3 p9 q6 t7 S -5.4 2.4 57.3 Ottawa 340,800 3.4 81,800 38.2 # {" M5 _/ b4 A; } -2.9 -0.5 36.6 & @4 O+ I# C" W* E7 ~8 z Calgary 412,700 - E1 u1 X' \5 \: B$ [ 2.7 85,00 37.1 -2.0 3 O7 v  F' P5 q -1.5 1 |$ u- v' H5 A9 y( c, F% h 39.9 Edmonton 322,900 5.4 72,900 # N/ s0 W" t7 S7 e# f 32.7 . j% c, m/ T' g9 S -2.0 ( j: S" i1 }$ j6 F, n* R$ P -0.5 * q# C. l2 x3 y, G  S4 H 33.9 $ J1 m' l4 O8 h+ a$ h 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.

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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.     
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These measures include:

Amortization period capped at 30 years
Reduction of government backing for home equity lines of credit
; {! _' A2 G* {  J  c2 pMaximum 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.

For additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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