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发表于 2008-11-25 15:19
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Canada's Mortgage Market - CAAMP Report
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Tuesday, November 25, 2008 $ E3 K) |* a/ H$ y) f) d9 t9 A
! L7 ]: N) H6 j6 b6 R3 [% H CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones:2 C4 j& \2 b7 |5 Y
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5,250,000: The number of Canadian home owners with mortgages.
5 T9 F4 Z' G- B, |( n29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months.
# i8 k6 U' C! s# T& A/ x: K2 e86%: The percentage of people renewing or refinancing that stayed with their existing lender. : k" Y6 B3 R5 I) |. B
$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average. 1 g* M. ]. o+ v! \# D
22%: The percentage of mortgagors who took equity out of their homes in the past 12 months. People are spending more because last year it was 17%. 5 Y+ W1 Q$ | A3 s3 X: t
$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. 3 ^0 k" `3 S+ a# J) K$ M O
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. - ]3 v$ e) J+ i9 L" m2 @6 ?) O; l5 c
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
" m: k3 F2 P* v; k7 `) X& D0.40%: The average interest rate improvement realized by people who refinanced in the past year.
- z5 Y9 s. i4 ]( Z1.59%: The average discount off of bank-posted rates.
+ X+ \$ u: y* j1.96: The average number of quotes people get when shopping for a mortgage. 2 c. a4 L" X% c! L$ g
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. : u$ K) N3 w: k- e- }
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. 6 g7 \4 ]) f9 T
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
2 W: I$ ~6 A; s, UPeoples' favourite mortgage terms:
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$ a8 U9 T) j+ \/ K# n1-3 years: 29% of borrowers
) U; m5 S5 U q. J4 v# k( z4-5 year: 61% of borrowers , I, ~5 Q' O) L4 S" H4 q5 a
Over 5 years: 10% of borrowers( a, K, G' b6 |2 |2 C; v! Z
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.: M1 A# N, u1 `: D* C9 `4 l% y
& I, H: c( ]% A) `2 B: jWhere did people get their new mortgages this year?! l, a5 v0 e2 j% q9 N: P/ F
( W0 @6 j$ H$ z c, @Major banks: 47%
* L3 `! G# D5 A" B. Z1 oMortgage brokers: 35% ) w6 Q+ q. C# b1 p* @+ {
Credit Unions: 11% 5 O, o( a% e: S8 A
Other: 6%
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楼主: 郭森房贷
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发表于 2008-11-11 07:44
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