 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
5 x# f$ y I/ E& y5 K
6 R! U' W# q. P+ GTuesday, November 25, 2008 9 c+ f4 B6 r6 F. [8 O. k- Q V, f
( {8 k+ e1 d$ C0 w& S8 W+ b CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones:
; [ h8 v3 p+ c, d1 D5 B1 C& B6 h* ~( w7 P$ K# ^4 ~
5,250,000: The number of Canadian home owners with mortgages.
& {. u* H U7 Z9 Y \0 c8 d) V' ^29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months.
' h6 }0 O: i/ a3 s86%: The percentage of people renewing or refinancing that stayed with their existing lender.
8 q& T# ]/ n9 Z, f7 @! n! E! m2 ~$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average.
8 W7 w9 G/ H [% _/ n& r: r22%: 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%. ( I' \4 G2 z+ I( l
$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation.
, H2 K4 d! R4 y6 U: q7 ?5 _50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. 2 @6 a* q6 x! c% X5 y& X
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
+ n: s4 L4 `8 [( j8 I0.40%: The average interest rate improvement realized by people who refinanced in the past year. " ?4 z/ l4 p; q: D! D2 p
1.59%: The average discount off of bank-posted rates.
* L; n/ z4 }1 m$ f& m' h1.96: The average number of quotes people get when shopping for a mortgage. & V R1 ^# |& J, T, L% 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. * x( B( Z' Z9 |3 L/ W
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. 6 s0 z; K2 Z( W2 y% m5 w0 n
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared. g) q: S8 j) w
Peoples' favourite mortgage terms:
5 [5 R4 q" }0 t4 r; C3 A% `( n5 [" t- t
' D/ c5 M1 f! l1-3 years: 29% of borrowers
( k8 e f9 L' `5 q6 E3 w7 k+ s1 B4-5 year: 61% of borrowers 4 \1 c) a3 R2 B" l: o% y9 x
Over 5 years: 10% of borrowers
! O& j" M) l! N( zCAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.7 l4 f! [& b2 `
- T2 U6 _3 N7 a( C' ^( ]' |6 NThere'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.( f' A+ u9 j, V" y" T, s6 z( h! d; E
$ c& [5 d# |, y1 K5 zWhere did people get their new mortgages this year?4 [' q% Y; `# {: P4 O
% f8 g3 Z5 R2 ] P+ D' R
Major banks: 47% 9 r7 [& `4 y) H4 |+ j$ j% |. h
Mortgage brokers: 35% # W: q3 m }: l: T* i
Credit Unions: 11%
1 j7 L2 k# v3 @7 c& x/ }Other: 6%! \/ D9 T0 ^' b! \
|
|
楼主: 郭森房贷
狗仔卡
发表于 2008-11-16 20:47
显身卡
