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发表于 2008-11-25 15:19
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Canada's Mortgage Market - CAAMP Report
Canada's Mortgage Market - CAAMP Report
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- O* Y; w6 s4 v9 ]+ u: CTuesday, November 25, 2008
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c l8 M+ u8 U0 z- I7 \$ w! c CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones:3 |- l+ a. ~1 Q5 r. {
8 v6 J" q3 C( F. {* H5,250,000: The number of Canadian home owners with mortgages. ) z, V9 A1 H5 \. L$ ?! w$ `- p
29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months.
2 k# D; L' Q w/ G2 z1 `& V86%: The percentage of people renewing or refinancing that stayed with their existing lender.
/ P3 V2 Y0 H+ }8 a c9 p5 A$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average.
; |6 O" ^+ M* t7 R5 @7 ]# C22%: The percentage of mortgagors who took equity out of their homes in the past 12 months. People are spending more because last year it was 17%.
i& Z8 K7 f) G' M1 r% d, C: S$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. ( o( |" L( T" S. ^
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years.
+ i' K+ Q- e* l% O, Y8 {4 M" q5.41%: The average Canadian's mortgage rate. Last year it was 5.56%. 0 H* F3 j" b: ^0 h: y1 b& U" E
0.40%: The average interest rate improvement realized by people who refinanced in the past year. * J: O" U9 A' K9 Z
1.59%: The average discount off of bank-posted rates. # z0 n ^* n+ G4 ?* K( y$ F( u
1.96: The average number of quotes people get when shopping for a mortgage. % \# `! E3 g5 o+ n2 C
0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year. , I( H( t; H5 @! q# P E0 ] d. h! X
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. 5 @2 U6 r+ M; V8 P2 L. Q6 F" E
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared. : `' j$ W2 p: c0 x' z, e- F6 q
Peoples' favourite mortgage terms:
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0 J$ ^* {. T6 y3 x! }1-3 years: 29% of borrowers " b6 X1 q: _5 f* Q4 z* ^
4-5 year: 61% of borrowers
: I% Q. g4 U; }5 |1 T2 O) ZOver 5 years: 10% of borrowers1 d9 A5 q1 ]% W) ]4 W
CAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.
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There's also a big trend towards variable rates. 40% of mortgages were variable in the past year. In CAAMP's 2007 report the number was just 21%. CAAMP says that's because "consumers may be expecting interest rate reductions." We'd also like to think they're becoming more educated about the long-term advantage of variable rates.+ |6 t" a) {% z4 K. A, {- h+ G2 q
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Where did people get their new mortgages this year?, e n4 X% l7 M0 E
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Major banks: 47%
& J) @5 f, c$ w# A& K' XMortgage brokers: 35% * N% ^6 Y9 v" j) J( h/ K' t
Credit Unions: 11% ; C) m% ~' b4 @. a$ T& v; g
Other: 6%/ [; s2 j# U0 {" w
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楼主: 郭森房贷
狗仔卡
发表于 2008-11-16 20:47
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