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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 $ D6 K- R3 A! i
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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: A* G/ i: D* _9 {1 I0 {
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5,250,000: The number of Canadian home owners with mortgages. & F" F8 N8 @0 R+ L1 m. V* Q6 j6 C4 J
29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. 2 d$ u; x9 u2 A2 z
86%: The percentage of people renewing or refinancing that stayed with their existing lender.
! f* Z4 ~1 s6 g$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average. + t" c4 A- V7 [+ l) m A9 S6 z
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%.
7 d# g% Q. ~; T* H$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation.
# z, U* L& U8 x8 l- t# B( z50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. 0 l" }; Z4 h: }, ^
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
2 |. e- M1 N6 O1 Q7 Z0 u$ M0.40%: The average interest rate improvement realized by people who refinanced in the past year. . s$ z+ P0 v Z* I/ `
1.59%: The average discount off of bank-posted rates.
6 \/ n1 q" c8 I3 `8 M" f2 v1.96: The average number of quotes people get when shopping for a mortgage.
I# p9 h1 }/ `# c0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year. 1 i! W) _# E- P" p
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009.
0 @( Z, [+ v7 X36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
9 u1 T$ i$ e/ b/ XPeoples' favourite mortgage terms:- C5 Y! ~, P3 Q
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1-3 years: 29% of borrowers ' [+ O' ^( `, v6 ?' S+ p
4-5 year: 61% of borrowers / t, |2 I2 S. j' ^" t' h _* \
Over 5 years: 10% of borrowers g' J6 [: \3 P
CAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.
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# W K6 O' i& SThere'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.
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; l: `; Z( m" Q" @! d6 ]1 N, DWhere did people get their new mortgages this year?# K) b# v* _- f8 o7 G9 r. w
8 K. I: ]' ]4 uMajor banks: 47%
- ^$ i) s1 k* A5 p' n+ G# IMortgage brokers: 35%
! l0 M' [% ^# m/ |3 ?Credit Unions: 11% 4 U8 Z' @! w6 o% o7 r
Other: 6%2 }' p! I, G$ ~
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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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