快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

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) p2 T- D+ |2 ]2010年12月
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Bank of Canada Interest Rate % Y6 \* B! J$ S/ _- N3 y! j6 z3 t September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada 5 A0 W7 d) E4 c7 z( q2 Z Bank Prime Lending Rate & I' B+ z( v$ {8 o& u0 ~% g September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada 7 u% R/ N" v! J* W. b ' \' s. j; E0 E- ?. C0 c" \ 6 m$ n7 u2 v8 J* F7 U+ T " B0 L: R9 Z' T, B ( l- W, z7 J$ S9 a$ V( xConventional Mortgage - 5 Year Rate* 2 f  Q' g! d' K; Q8 B ' A9 w$ g# H. O8 E( `# _" p6 T/ P " P% `& m. h3 i6 h/ a September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 6 [% w( @: \% K' B: J, h0 U 5.44 % Source: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate ! M2 g2 ?% z! f/ m 9 T. I7 b5 F) \+ o" p# ], _ ' ?% s& j4 K4 z4 ?0 C , @" Y& A+ A: h) `, s0 cUS Federal Reserve Board Discount Rate 7 X0 o' p$ C5 G, _9 I1 O- Z; d & K# k# x2 E( l" U) j* u8 Q September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date ) Z  j5 \" B" x5 oSource: US Federal Reserve - F* d5 W* v! \& l5 i% F4 J " g, R6 P& A5 c  x 3 t, p0 {$ `, e' ~2 e( h& Y$ u" Q 9 c7 Q- o. ]6 m2 c0 j+ I  PExchange Rate $CDN($US) , U5 S% v9 r8 P1 l2 v# d October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada $ Q! ]& G  p2 Y6 | ; G( z: x- y! i. \8 Q9 A ; A" |# ]' J8 e3 v6 ]; H1 PGovernment of Canada Bonds $ @2 A+ ~- F' l 7 Q' l& H, A2 C  K/ Z0 X% s( l ' l$ `" a2 E/ ~8 q5 k4 w, @8 Z; R Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1.21% ; A7 X1 X! H* }2 Q, y/ `% s+ k) s3 l 1.27% 1.39% 3 year Benchmark Bond Yield 1.59% 1.73% 1.94% 5 year Benchmark ! G) {# I+ y2 z9 g9 {3 P$ GBond Yield 2.06% 2.20% 2.48% 10 year Benchmark Bond Yield 2.89% 2.98% 3.19% Source: Bank of Canada 6 W4 @+ i. t( k2 ]! A ( f( B& i; e# R , T% G4 E2 L* m( N( Y/ MTotal New Housing Starts (Seasonally adjusted and annualized) # }( m* c$ C  Q# m$ Y, g7 |* K. j Province August 2010 5 @1 u! G: l8 H' I6 h+ a1 h August : u: s6 f1 l5 V& c$ L+ G2009 September 6 `% I- J% R- y2010 September 2009 + ]2 v# O" i. J" q# o October 2010 October 2009 Newfoundland/Labrador 3,500 2,400 , z  o$ u! [: _! k 3,100 0 i$ A3 S% ?- ~" o, x 2,800 ( c$ m; S. [$ G- W8 ^+ P! B 3,400 2,900 6 F: u# U. s; A8 g: @0 u" i PEI ' r% D+ x) p. q1 ]' y" g 1,000 1,000 500 700 $ Q- R4 Z1 H, @( z  T( D- d( _ 400 1,200 / y8 ?2 C9 a2 m7 I; a Nova Scotia & l3 ]$ d0 C1 R$ _3 ~/ p- f; R; f 3,200 : t: ^. F7 v& m- r; @" U: I9 ]/ S 4,200 - X; o4 A0 V: Y* `% o+ n. H7 o! u 4,100 4,500 4,700 4,000 7 ]. R  }8 G% m4 ? New Brunswick 5,100 0 B8 Y9 C; l" ]+ e/ U 3,700 , R0 f5 S% p6 ^, |2 I 2,400 2,900 1 u! R: A  p: ?; [% v( y+ g 4,900 " z& n0 D' `! d+ Z; b, k9 @ 3,600 Quebec $ x$ b* d3 x& E. Z 48,300 6 L2 W! ?% e, u3 O! C5 z 47,300 50,700 ' N' J1 \$ q! u0 e% [ 41,300 48,600 37,200 . q0 r* E& o" U! z# F/ g0 x Ontario 64,800 : G0 \' ^9 ^9 j! X1 a 44,200 58,000 % @: a: f% h8 ?! I0 ^. l3 L  M 50,200 44,700 4 ?. K2 Q4 c% T4 b" X 57,600 7 u5 B0 |9 D3 r4 P1 q; @0 X Manitoba 6,100 * L; K9 O& q* S  J& J 5,000 4,000 4,400 % b; P' A5 [. p 3,800 2 \& F- a- B1 g& G0 r) T$ L5 r 4,200 3 \8 D2 c8 ~! `* x+ o$ B  [: L- @ Saskatchewan 7,700 5,100 - m/ p" a0 r; U3 M0 f! x* h 5,400 3 k& Y% V. a8 ~+ B) W 3,700 4,700 ) C; r+ w! c+ E( U 3,600 7 y; d1 |! U$ n7 p) M7 U Alberta 23,500 18,400 27,100 7 P8 ]: O0 v8 u  D" f+ Z 22,600 25,200 1 P5 G5 {, [, `6 f7 T1 \* n$ F 25,000 British Columbia 5 m, X" ?- j) {; G. S# u; J 27,800 1 B. ]3 M% x1 w$ ` 19,200 3 w# M5 X7 O4 n, U" b5 q 29,700 6 A2 O/ m1 g" o! L. y9 W6 w 16,200 27,500 8 m: Y+ D" J8 E2 _ 18,200 ! c- R1 L, B  F9 Z CANADA 1 }. B* j, n* h' G 191,000 / D, p, n' r. r 150,500 2 _2 ~  |# T" L' \ 185,000 7 L$ Z9 D3 |3 P) f' L( n4 l7 } 149,300 $ F3 a" \6 p0 \4 V 167,900   K* U2 [4 g3 y# [: A: Q! O; { 157,400 2 h; W% T2 d1 G0 ~8 m0 x( ? 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. " Q7 v/ V# J5 @3 H 8 K3 Y; u+ w5 k' k: S Average MLS® Resale Price for Local Markets 2 G* f  o9 F6 S' `" `4 l! s # B/ [& B; Y. W, o3 g 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 $ o" E& M8 a, n( W& |, s 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 $343,747 Source: Canadian Real Estate Association ( i! o7 G- }8 d1 n: g+ B+ F7 h7 x. n + |2 V3 z, q% M' V' q Quarterly Housing Affordability Index Standard Two-Storey Average Price : n: [4 g/ d; g' z RBC Housing Affordability Measure Region Q3 2010 " `3 m- V+ p% ?4 R; s; K($) , ?* H6 N7 t, Z1 m- w1 E Y/Y 8 t. j2 {0 [5 B8 @, p& K% ch. & _3 f7 \6 |8 w8 a. D/ u- d Qualifying ' C8 G9 J& C5 X$ U& o$ FIncome ($) Q3 2010 $ x* b7 {$ T) G0 a Q3 2010 & z8 O" F' [: `/ X: T: ^# L; Y(%) Q/Q $ A' o5 O; m, BPpt. Ch. Y/Y 0 G6 z( x9 U7 j7 OPpt. Ch. 3 ]$ P! j0 Z& v$ E Avg. since '85 (%) Canada 370,700 6.3 83,100 0 {! j# L# M; Q6 A 46.3 -2.5 0.3 , i5 d- Z. D8 M* O5 R6 V6 W5 M 43.3 British Columbia 624,800 $ w5 T" W6 I% B  h; b/ n 8.0 124,500 67.5 -3.9 1.4 54.1 # u$ S, ]' t4 @ Alberta 365,600 0.1 81,400 ) K; Y0 ^. _5 m) ^( j 35.6 6 w1 r; B8 ?" R -1.8 -2.0 38.6 6 g7 u- N2 y# _7 d3 Q Saskatchewan # K9 K9 C& A6 T0 `5 a6 E. p 315,300 5.1 74,100 " f2 r3 _% Q, s+ J5 L 40.8 -2.2 5 ?6 h' V8 z4 ?: F, \! ] -1.1 38.0 + V6 c0 G  K" C2 b2 |; Q* d! u) o: Z; h Manitoba : v6 ^2 F, t+ G  u 269,700 7.8 # H: o0 z3 F, A; l$ [3 H8 E4 r( n6 u 65,000 37.1 : s5 O8 s) R% V: F -2.3 9 ^- e  J3 `# }- x* N. T 0.8 37.7 $ S5 }7 \4 h4 h( @- i Ontario 388,200 - Y. m. Y% F1 k7 W- W 6.2 89,800 44.9 4 i& N4 A0 ^4 J, Y' E3 w1 t -2.4 0.4 43.7 ( y' O4 f9 y7 V) G8 I: y5 \' h Quebec 0 f6 A1 T$ q% t 262,100 8.6 61,700 6 J( _5 @% S+ ?. N- H/ d  i 41.7 4 v; o2 t) }6 ]0 } -1.8 : P% r" L( {2 j2 b9 _ 1.3 38.8 Atlantic 222,100 4.3 ( I" ~, E" l8 s: a7 e 55,900 ) b- `4 A$ B( R, a2 Y 36.5   Q( Z5 A! h9 H- c" N* I" o. I -1.4 0.1 38.0 Toronto 554,700   G' {( M' o! ^/ P1 B. [ 5.6 120,400   l8 M5 s0 {8 j5 f2 o& } 56.2 & T3 e% c. x: o' D4 F& l  Q0 X6 r -3.8 0.1 & g: J) X6 a' D( d- k; {# b 53.4 2 J& M) O) F6 V: f; C& } Montreal ) H' ^) S$ c2 C- n& S 335,300 8.9 75,800 51.3 -1.7 + s, J7 g" X& N 1.7 3 I' @, H- e  A4 M 41.7 ' u  o4 V! O$ m2 m0 l! S Vancouver 766,300 8.4 1 `" e- E7 j6 i+ p6 M# d 149,400 78.1 -4.7 2.0 ' [) Q$ H, r. F9 }- H* J 62.6 , w' k7 N' W4 b! J' \+ D! Q Ottawa 350,600 4.8 86,600 40.5 -2.5 0 i9 X4 G( F! n2 T  @) O# O 0.0 . c$ x0 t0 N4 t3 F4 ` 39.1 + h  m; \/ _6 K1 P Calgary   L2 l, I, L& L9 ]" H 410,500 4 |$ R2 \3 e' d# C: b6 S+ t8 S -1.0 : z7 O* |* |6 m5 d" X8 N: [8 f, i 86,700 " \( P6 o& A" ?5 K! R$ q 37.9 -2.3 - p4 G9 a+ [4 U8 t% M8 y% e/ ?9 B -2.6 0 R2 A+ {8 X0 m3 D 40.3 % C$ N- L0 j9 b6 b! ?0 d Edmonton 362,500 1.2 ' c6 |" n- A- B' X9 ] 82,500 6 }: L. k( X# W' A* n$ ?, c# f) A 37.0 % O, `* v: y5 w* [# R4 ^ -1.9   w; K2 @' a' H: ] -1.6 37.0 $ S4 F. t. \8 M0 i: Q2 H7 O. h 0 y% n9 y4 I6 r3 n0 [& z) @ Detached Bungalow Average Price - X7 n+ _; j8 o% ^% M" w, K3 v RBC Housing Affordability Measure ( e1 ]3 H. H. H3 f. {6 n Region ' Z9 m6 Y. P4 C7 A# p* ^8 S0 e$ g Q3 2010 ' k6 K9 z! }/ o" V% h($) $ ]8 A: [( S# w6 B Y/Y ) ~  [8 y/ _8 `- k% ch. . H0 q0 h, m: o Qualifying Income ($) 5 U! v0 p+ R* _8 ^7 W& lQ3 2010 ( {& O! b! y- h" Q Q3 2010 (%) ' n1 a8 Q; k4 ]3 T) j; C Q/Q Ppt. Ch. Y/Y $ {: A4 f. ^# }7 GPpt. Ch. ; w9 h, u! \7 Y7 c8 J1 I% N Avg. since & @2 W, P* _4 L' Z4 ^: c$ z" K'85 (%) Canada 325,300 6.8 " ?; V6 _3 }  k, K 72,500 40.4 9 z! N# R- c) Y, h& q( @ -2.4 9 t; l9 i( P' D8 |1 T 0.3 39.0 British Columbia 9 Q6 m3 u6 G2 |+ I  n 544,700 3 C. ?$ `+ r# r4 d 8.5 6 {, ~8 Y. n9 x: w! b) L 108,800   C- G4 h) g/ j 59.0 1 L  h9 W/ @3 F, g -5.0 6 Q7 ?# D# u. e, w7 ^2 y* _ 1.5 48.9 Alberta 340,500 2.9 74,400 32.5 -1.8 -1.2 4 a7 b5 x& s3 M- K 36.1 ! s! u  c- e3 c9 @2 I( u: D Saskatchewan 312,400 6.3 70,900 % d* W! L+ N+ q 39.0 8 [! k9 V8 U9 {9 {6 _/ t! | -1.9 % I! n& u: }) M" Y0 s6 V& d -0.8 + b' V$ z# \0 H8 H 36.6 Manitoba 0 A( L8 o+ Y/ F% F, O4 l 251,000 9.2 * |& ?% Q8 _+ L+ U3 `; Y* s+ ]4 H 60,800 34.7 -1.4 1 D  _  g. \8 x8 K# B7 E5 @ 1.1 & _" L- F/ t9 N# x 36.8 # g' h( U6 U- {# ?+ z) a8 D Ontario 4 ?6 h1 n+ r, W 337,400 ; A% O+ L* d: @# g 6.1 77,900 ) u5 e% b+ u9 u# Z) ^8 l 38.9 -2.2 0.2 0 C# g; A2 }4 ~8 R9 j( u0 V; u2 r 40.1 * q  Y7 F! O. k- ]" ` Quebec 221,600 # s" O" w- Q' y4 V4 @6 q8 z 9.3 51,700 5 l* N; [" _# I% [ 35.0 3 B9 ~. d# g7 H  ~' o -1.4 + h- v7 V+ F* P# @$ Q. D 1.2 - z+ Z8 g! R+ y* H( o4 d6 r! t& u 32.9 Atlantic 196,600 : l  Q* H2 ^, r% U 2.3 : y% C- k$ Y  k/ z* |+ L& J 48,200 31.4 - Z8 B- ?: a7 z- [4 m) l# p -1.0 8 ]' C) j% b2 ~2 N% V  |, m6 D) C -0.4 # K, ^+ P3 m( N$ u 31.6 / Z% o3 M, `- I; i+ }2 p7 M Toronto 466,600 5.0 101,100 47.2 -3.0 % o7 r! x# B# ?0 ]! q$ _( k- F6 U -0.1 48.2 3 o0 |1 r9 Z0 N( U Montreal 271,100 11.8 4 Y/ K% ]. \: t8 J: e! M$ H2 o 61,600 41.7 -1.3 ' S8 V$ c9 o' E5 g 2.2 36.9 Vancouver 672,500 % p8 H5 x9 H: B, c6 v& j/ H) U 9.7 ; c( c! D! c1 a 131,600 68.8 -5.4 2 k- M- y8 Y4 r% Y% p* g 2.4   [, ]2 m, q- ^7 J) T 57.3 Ottawa 340,800 3.4 ! {: j. p" B- j8 N+ p6 D 81,800 6 t6 w/ K9 z/ n' ]  l3 C 38.2 1 e/ J" H, ^, W -2.9 -0.5 1 C* S) O3 [7 K 36.6 ! B; Y* Z9 i9 F. ]+ ~1 a Calgary + C9 U3 \; @0 Z, U2 f$ e% n 412,700 7 k" x& d9 E* G) ~. | 2.7 + }/ `- x& Q% [( j1 F. e' G' j 85,00 37.1 ) P2 L8 {0 t" ^+ ~3 F( I; U# k -2.0 / v, G. m! }" Q' c -1.5 39.9 Edmonton , D. P5 b: N9 e2 z8 K2 r9 { 322,900 8 z" m5 `  f, i9 N  P( ?1 G 5.4   M- z$ n7 `9 w2 ?- I 72,900 32.7 -2.0 -0.5 33.9 9 t& i) F3 k/ k/ C. wSource: 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. ( v3 M1 a8 f/ U. [& L

衣食住行

很有用的信息。
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hycao

今日议息结果如何？

年轻的心

不变

年轻的心

快讯： Federal Government's Mortgage Insurance Changes
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  |7 i* J. R' A- ?- RThis 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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0 t. k9 k9 r+ M, LThese measures include:

Amortization period capped at 30 years
. B0 v0 H: @+ X9 {$ YReduction of government backing for home equity lines of credit
1 C9 F/ u$ T, z8 O% c9 WMaximum refinancing reduced to 85% from 90% LTV
- f# y8 p' X  n" CThere are no changes to down payment requirements as CAAMP recommended.

CAAMP will continue to update members on any new developments.

; L: b7 M* L: r- F0 q& m/ mFor additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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