 鲜花( 65)  鸡蛋( 0)
|
楼主 |
发表于 2008-11-25 15:19
|
显示全部楼层
Canada's Mortgage Market - CAAMP Report
Canada's Mortgage Market - CAAMP Report 0 p3 Z4 a2 u8 X8 X
0 y# b x, j+ h4 { t' b5 ?
Tuesday, November 25, 2008 ' o% q$ G6 i7 L' y' ], s
4 s- V8 K* d) k# H% z3 P0 C' C" T CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones:5 U z! @9 M+ K4 @, R
' @ G$ B' x: P% |9 g$ S2 f5,250,000: The number of Canadian home owners with mortgages. . _7 |9 I1 j; [4 ~4 }
29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. % K1 q& W1 ~$ }0 l, r5 h
86%: The percentage of people renewing or refinancing that stayed with their existing lender. 9 r4 l& L) H) |$ K2 S, p2 T0 j
$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average. & } @4 f& J* k4 e; R# y9 g. F
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%.
2 F) M6 ~+ m ~7 w& L$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation.
% ?0 L2 C3 P8 \9 g- c4 P) \50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. ) A& `! }: v4 \- w+ G- g; d
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
8 {) ^; B. r" P; \; f8 m7 K0.40%: The average interest rate improvement realized by people who refinanced in the past year.
! L* Y: g4 e/ ^/ g* D$ L1.59%: The average discount off of bank-posted rates.
3 x4 Y' x* j" C1 t6 c1.96: The average number of quotes people get when shopping for a mortgage.
% O) O$ n) w, J5 ]( o% ?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.
9 h+ K3 s( _% H$ ~10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. . d$ k( d. u5 ~! [" U
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared. 8 [8 P! x- O' d
Peoples' favourite mortgage terms:
; _8 C* x" G% j/ T+ q7 }( ?: H6 [$ p
1-3 years: 29% of borrowers
q6 [. a: S' J/ _4-5 year: 61% of borrowers ; _2 M9 f' x/ g3 r$ W
Over 5 years: 10% of borrowers
: x- ?- N8 ~# b$ L( T5 Q4 M; ]! \CAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.0 r, c! \ r8 k( [7 P: R0 [
3 ]. ?! ]9 W) h& ^* b4 q5 k6 aThere'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.
7 w4 H$ x2 g0 I; G2 B: N9 T$ a- E2 P) `. |7 n
Where did people get their new mortgages this year?
6 O- E+ s( V& x2 E' Y8 d, r
! U5 l- o2 r6 u8 T9 H3 \Major banks: 47%
4 m8 n8 E1 ]7 W# U4 F6 uMortgage brokers: 35% + C- r+ ^/ G1 o' m8 Q, T8 Q
Credit Unions: 11% $ m, |" \8 D2 ~; N9 ^* R
Other: 6%
3 k4 q+ R j) f5 b) D |
|
楼主: 郭森房贷
狗仔卡
发表于 2008-11-16 20:47
显身卡
