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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
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CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones:
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5,250,000: The number of Canadian home owners with mortgages.
# K n, y9 U6 [9 p7 j7 M% ^29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. # T- X. t, R2 h$ `- X7 u8 W
86%: The percentage of people renewing or refinancing that stayed with their existing lender.
: N& F. ~5 A4 j# m& }$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average.
% U/ [1 d) Q7 K22%: 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 {9 |9 b' v, O
$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. - u% s3 x1 \* ~" i; Y5 {
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years.
. m, V+ Y) ^. y& I! `' ]5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
. N$ f* \9 B; Z1 L7 o0.40%: The average interest rate improvement realized by people who refinanced in the past year.
, R m$ y4 [& L7 L1.59%: The average discount off of bank-posted rates.
4 p5 d; a- |9 E) a1.96: The average number of quotes people get when shopping for a mortgage.
, e# y% r: J* {8 Z9 H" n5 ~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.
5 q3 O6 y0 ?8 ]: V10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. ) g! }" j; y% i6 v2 n
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared. % z; O+ g( p/ y& T. m) K
Peoples' favourite mortgage terms:
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" y3 O$ m5 A; h# r7 \3 G1-3 years: 29% of borrowers
; F1 N' H6 c- r: Z2 c b6 g' x, w4-5 year: 61% of borrowers + m2 v0 ^/ M4 P" x( ~5 I
Over 5 years: 10% of borrowers
4 n4 W+ e$ p) k& q0 K; m1 {8 RCAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.
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, ?+ k( ]& [$ ]* x RThere'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.2 j9 M# H" w7 Q! l, L4 @ N
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Where did people get their new mortgages this year?
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/ v* d. I5 @% G* p! MMajor banks: 47%
* Q3 ]5 h+ h2 i& D, @8 s9 Y# cMortgage brokers: 35%
, K( d7 V9 \1 ?5 `6 J: S9 j4 qCredit Unions: 11% , E$ @/ s) }2 r
Other: 6%! o2 b- {& e5 `/ P' M2 `2 o& s- X, M
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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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