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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 9 _4 ?7 e/ a; X
( v D6 r: l5 T/ T# g9 Q& qTuesday, November 25, 2008 ; D8 E0 d. y$ m1 i# |3 n3 F
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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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) _, E: W( @0 i2 C3 U! d6 e5,250,000: The number of Canadian home owners with mortgages. ' z) o; X# M p" R
29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months.
$ B, Y( `+ I+ j& r# P, |8 G5 F86%: The percentage of people renewing or refinancing that stayed with their existing lender. 7 v0 x: ]4 p, D$ R7 g4 }
$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average.
* Z/ C4 H0 o4 L3 [% u22%: 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%. . {8 T: b- Z: _, x) a8 k2 n; e
$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.
! c5 D0 S ?8 d' r; J50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. + G4 `' w* j' T: x( Q1 V
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
$ C% U9 b1 y o. d. U0.40%: The average interest rate improvement realized by people who refinanced in the past year. 2 T$ a- D* v! z O
1.59%: The average discount off of bank-posted rates.
3 P. w) C/ T( K( ~8 C% \1.96: The average number of quotes people get when shopping for a mortgage.
# u3 i3 P+ T5 i9 l0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year. / n ~. c* h! M1 ]
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009.
% M3 E: @* b3 ?36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
; g; u+ \) {1 u) U4 N4 iPeoples' favourite mortgage terms:) H! {) `: u0 T+ M0 @ X0 N
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1-3 years: 29% of borrowers
2 j% w! L4 m& |8 @3 c! N, k4-5 year: 61% of borrowers 3 K; q' F/ _: t/ }# R
Over 5 years: 10% of borrowers
2 A) `, m. j/ h; z6 zCAAMP 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.# \: f7 m- M2 S5 r2 R* B, ~
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Where did people get their new mortgages this year?" }. U: G) D# O3 r+ c" L
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Major banks: 47%
2 g' t, @0 d. ]1 @0 N- aMortgage brokers: 35%
$ @) ]1 g K% w- }$ GCredit Unions: 11% 3 z( K; Q0 S+ y
Other: 6%
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楼主: 郭森房贷
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发表于 2008-11-16 20:47
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