快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

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2010年12月
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Bank of Canada Interest Rate ' Q; j: \9 b  N  [0 f, ]; p September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada , ?+ L7 h6 D& D5 j. n4 P 0 c) |7 t- ?7 l7 E/ K 0 [  Q+ a' x9 X2 @/ f% w% wBank Prime Lending Rate , K) ~$ a  B9 k+ g$ D$ {- `% p6 K/ w 0 ~% d; O2 i* G) ]3 w September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date 8 R* [- B! m1 VSource: Bank of Canada 2 e# `, q( t! E3 _+ n- q/ j 4 ]* {( _9 p1 a, o * b* t. t3 J, a1 x- gConventional Mortgage - 5 Year Rate* . Q, @* H$ l0 Y# { September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 - ?' P) R7 C9 K 5.44 % Source: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate , ^$ ], Y8 y$ T4 p( c* M " S! i* Z' _0 y 0 M, J) _; {5 RUS Federal Reserve Board Discount Rate ! S; \& F, U- n: H ) ?( d4 o5 M+ \2 F. X September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date Source: US Federal Reserve % t3 ]( \4 t2 W+ v: y9 Z : N, E) ?7 ^1 w; E 4 ]6 O* `' V6 g' R+ F 4 c7 c% _0 S& e( ]  z ( Q( K  v0 V/ f) V$ jExchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada , z7 P6 ^' ]  Y, v + E, K4 s# \. O; S % h1 H; \9 X3 ] % @% v4 J/ H5 l  R  U9 f% l Government of Canada Bonds : m1 L( r2 E/ E: g$ ^ Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1.21% 5 G: x4 d/ \6 N* T4 V5 ?6 R# T 1.27% 1.39% 3 year Benchmark Bond Yield 1.59% 1.73% 1.94% 5 year Benchmark Bond Yield 2.06% 2.20% 2.48% 10 year Benchmark $ _! p; R8 d# n" B" {Bond Yield 2.89% 2.98% 3.19% 8 M1 `) z/ G  ?/ R% ~Source: Bank of Canada 9 |9 y3 u& a1 H- d, f # P: z* Z! v0 Q  K4 L$ j( ^ ( A; \0 X3 w/ I9 q) o) [6 i Total New Housing Starts (Seasonally adjusted and annualized) 8 v0 t' v/ x9 V. a8 B Province August 2010 ; u+ \& _& n* M( Y) d% @, c1 v August 8 o9 ]5 A( g( Z" B5 L. S; P2009 September 9 c' p" p5 }  V" V- C; k+ y2010 4 {1 k3 P1 A$ g September / |- e7 ^: W2 }2009 . E6 E9 Q, I( _ October $ Z$ x2 g$ ~0 `6 u' ~2 J2010 ; ^: Y; U: d3 I! }$ ^ October 2009   X' i9 @* i& R, P' J6 } Newfoundland/Labrador + S. S- w# W5 u% S5 v# ?+ B) k 3,500 2,400 $ k' ]3 U, U5 q) k1 l5 D$ c 3,100 / h1 _6 u9 y# D8 q1 t6 \ 2,800 ' U& f7 z3 W0 B 3,400 2,900 ! ]! O) s$ G5 F) |; @( k PEI 1,000 8 _1 }! m- R0 F0 C9 j" @ 1,000 8 j0 `% Z1 x" O: q* T' c7 \ 500 700 8 w6 |$ m; ^3 H3 q) s4 w* K" `) E/ o6 \& j 400 & N! }6 N6 \, o# ?$ r9 K& q& v# | 1,200 2 d0 J9 F! `7 M# j( K Nova Scotia 3,200   C* U% C3 t, `* n$ L 4,200 4,100 % L$ a3 {( q' \8 ?( h: v; j 4,500 4,700 4,000 New Brunswick 5,100 * b4 o# B! q9 {8 {8 S& H! n" r  J$ c7 p 3,700 7 ^" M5 z9 F/ o; g+ @: e8 k6 A7 a 2,400 3 j; F& z9 a2 i4 o# M. K 2,900 4,900 3,600 1 [1 C7 }- y; H  E8 G# i) F. U' W Quebec 3 ]; g3 r* W  r4 w2 ^! }9 a 48,300 47,300 3 W8 {8 n9 N( T6 d  T' d* D 50,700 41,300 & ]& L3 B) n! f  K- u2 j 48,600 37,200 : q: Q; v: V8 F. X Ontario 64,800 6 L4 M5 Q% |8 O! E( v% \* } 44,200 9 ~% V7 S# y* n2 Z3 Y- |8 j& U 58,000 50,200 5 [6 m4 m# [8 i' \5 ^# t6 Q) d 44,700 57,600 Manitoba 9 {4 f# p% |  @* F, _ 6,100 3 |) F; ]% ~; B* p; r 5,000 4,000 % [  ^3 B' G+ A$ A0 H# p 4,400 ; y9 Y4 M( @  `- E 3,800 4,200 Saskatchewan 7,700   ^3 n/ b9 V6 N 5,100 5,400 ' L: L% |  h& |( U  C$ |- R 3,700 4,700 ' T7 ^% L2 T7 B" b2 ~2 t1 V+ _ 3,600 8 h/ ?0 x9 P" W  I3 r1 A! Z* s% [* r Alberta 23,500 9 A; O5 J" r+ s( s* y2 U 18,400 27,100 2 T) R: T5 P, o- i  x8 S% N2 W 22,600 25,200 + E( G9 V1 B, k4 u) F+ V7 v 25,000 + Q" W% n9 n2 D9 ~5 k6 Y British Columbia 9 R4 o0 N6 _/ x3 h0 B. e 27,800 19,200 29,700 ) `7 Z" I: _* R2 a" a3 E6 H, n 16,200 27,500 18,200 1 B+ d8 l  b8 C8 q' V' ~ CANADA 191,000 : N0 N8 A8 q  a# r" q% Q1 m0 G 150,500 , D, u# z# H, E! C% N 185,000 3 ?2 D6 i' }& e8 G 149,300 167,900 157,400 , z/ l2 [+ u: M( g0 n5 J ' |& s/ {0 \2 T8 X  `2 c! oSource: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year.   j, }- K: c5 R4 F : a* n8 |9 N1 _& \4 l/ B Average MLS® Resale Price for Local Markets 7 v" F+ @8 H' a ! ]: s2 G) p) V: x% A   P$ e5 O% c( h City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 ' O/ n- Y& c* ^  q  [/ {  R $165,032 Quebec $219,440 $246,918 Montreal $285,100 $309,638 Ottawa $320,561 $305,872 - r5 t( X( b( H. `+ Y Toronto $423,507 $443,633 Hamilton/Burlington $296,253 $305,872 Winnipeg $210,618 $229,467 Saskatoon $274,759 $293,929 Calgary $393,574 $399,679 Edmonton $351,768 $317,096 Vancouver $638,948 $707,207 Victoria $481,500 $343,747 Source: Canadian Real Estate Association + @2 Q) E: F7 ~& J+ B) a ' @4 ~& F. Y: z& ^0 N) K  j8 k& E , s. Y1 o! a! l( l& i, i# h Quarterly Housing Affordability Index 5 `. p9 L* t* K9 C! P Standard Two-Storey / k% I- X! p2 x/ X( v4 P. q5 M& i Average Price 0 Q5 `: x0 H" p/ | $ B8 X& U3 L1 e' A RBC Housing Affordability Measure Region 9 O' p, A1 x. I( x: S  T4 n4 ] Q3 2010 $ g% h, R8 j( q/ P2 ~: b; {2 K($) Y/Y % ch. * e* X1 N6 W: D% z Qualifying Income ($) # C, h1 K1 e, b+ K+ V7 AQ3 2010 Q3 2010 7 w1 x- P1 x' P, t5 q+ ~$ W- F5 R6 D(%) Q/Q - I& R* H' w5 W- @3 m* P4 y+ xPpt. Ch. Y/Y 7 }& f7 [' r- Z# H& a3 E1 vPpt. Ch. ) P. D, e2 l$ ~, O Avg. since 0 M6 F, }! i1 @9 Q'85 (%) Canada 370,700 , x8 G- ?. a' S) q3 f" C 6.3   z  r9 O5 I9 l) ~/ ] 83,100 46.3 -2.5 0.3 43.3 ! z( z  `4 n" G% s2 J British Columbia 8 @6 }! c8 V: f* L9 \4 y+ H 624,800 & b. z/ m5 c4 l4 X8 b+ y 8.0 : A# |, V: |; @7 ^8 W  H: i$ N 124,500 67.5 % g6 V; j% m3 ^) G -3.9 9 d" [& A6 Y" }0 I+ @7 g 1.4 + E) `7 B7 Y6 N) \: x! e9 m 54.1 9 M/ Y# k* B# W% B4 y Alberta 365,600 0.1 81,400 1 H+ D! r/ L) Q) e3 V 35.6 -1.8 - Q+ J$ D, b5 S+ y' E5 \ -2.0 38.6 . G; f# O$ w  \% ]8 R Saskatchewan : X1 {: f# J# k 315,300 6 Z  D7 Z3 S6 @2 m7 b. Z0 w 5.1 74,100 40.8 " Z; O1 j/ J. z3 [* g& q -2.2 + a0 z5 G, X1 |, z3 P1 H8 p -1.1 38.0 4 ~1 k. h7 T+ K0 J' ^$ f+ T Manitoba 269,700 7.8 " t! p# P; s" I+ F 65,000 ! Q. }( W5 \; J. F) F& u: N 37.1 . J: m1 X* v. S6 G) ?( K -2.3 0.8 37.7 4 z9 G' F7 I8 u Ontario 388,200 4 l" T1 Y" r; y( t- a. v" w 6.2 89,800 44.9 * L: H6 Y3 e) W6 p, g -2.4 0.4 43.7 % h4 ?. _$ b! h, Q  D5 U* T. I) | Quebec . M" \' _- x# t7 m 262,100 8.6 2 d: C' E0 {0 J; |9 c0 R$ O, A% |% k 61,700 41.7 -1.8 1.3 # [5 _9 n+ _' n8 _1 y  _( J 38.8 Atlantic # A$ x$ _( ?- g7 q0 r0 c 222,100 4.3 55,900 36.5 5 w, [1 W) r# V9 o, [( ]8 ? -1.4 ; b! _! D9 b; d% i# H 0.1 5 l! }# w# i) { 38.0 - p1 f' H: {4 L& P* l, A Toronto 554,700 5.6 ) ~5 g8 {) @9 r5 f6 }4 D; ~/ _) ? 120,400 56.2 ! Q; o: f, d8 A4 z! c1 ?' D. B9 x3 U, b -3.8 # m5 G! z7 W5 | 0.1 % ?$ a9 f6 ~1 B$ a0 }4 ]2 D 53.4 ( i5 G: D! T% A/ \' ] Montreal * s1 U9 M5 V  d: K. ?- l 335,300 8.9 75,800 ( d! z; N, b- z" M6 I 51.3 ; K/ _$ {5 G$ N" T. { -1.7 8 B: |9 m& F3 Z. B( y1 _# ?0 @ 1.7 . ], U4 t8 a- |/ D 41.7 # O4 u) h- @& d9 u. J1 U Vancouver 766,300 8.4 5 {) b# c1 W* s" i& G0 P" A$ u( w 149,400 78.1 -4.7 2.0 - A+ ]# V1 s4 T2 O3 T# @$ c 62.6 0 R$ ?3 Z; U2 M( g Ottawa + P5 m# [, x6 ]4 x 350,600 4.8 , M9 j- v& r' @ 86,600 4 i, H. h+ A3 W* V 40.5 -2.5 0.0 39.1 Calgary & s) S3 b! W& G4 W- Q+ o 410,500 -1.0 8 A% O9 j* |; s; v+ f& s 86,700 37.9 4 _* n/ P: F  W1 `8 S( N; U -2.3 -2.6 & b* Q1 G" ?+ T7 h7 Y& p+ ?! q 40.3 Edmonton ( X; r: ]8 d, Y 362,500 1.2 6 q" F* f* b/ Y$ W2 X4 m. X 82,500 37.0 ; V0 W9 h/ R; h0 D. X -1.9 + \; |: r+ W5 w: m1 k0 m  i5 W -1.6 37.0   P9 _7 O( X8 L' O/ W Detached Bungalow Average Price ; H$ H) e- E/ c; l RBC Housing Affordability Measure Region Q3 2010 % ~" ^1 D( {$ R0 B' o($) 9 I0 |, {2 B8 G7 ` Y/Y # f9 Y9 s! U$ g7 V, c) D# M* p% ch. Qualifying / g* V& W* r# w' F/ _/ E1 {Income ($)   N/ G4 a6 q( h1 b% c3 eQ3 2010 Q3 2010 ; W/ M: B$ x4 @9 e; A(%) * b) D5 @. d5 E& M0 a; f/ Y& i Q/Q Ppt. Ch. 7 f* q. Q+ ~( g: M Y/Y ; J" o" Y, m1 d2 B! \, D$ d0 c: nPpt. Ch. Avg. since '85 (%) 3 m5 M% \% c1 u$ }5 u! [5 R: ]+ E* N Canada # [( v1 a$ e& n0 [' o$ B7 g7 J 325,300 0 X" x; z- O% }2 k 6.8 72,500 % |* O6 w9 A% j 40.4 -2.4 0.3 39.0 British Columbia % L2 r7 l1 R# g# w" s 544,700 8.5 " \7 ]- M, T: S) G4 [, ^ 108,800 6 o. G+ Z% w6 c6 V  D 59.0 ! n3 j# U( A) C1 W- U8 @ -5.0 " {8 M) c: T0 r/ k 1.5 ' ^& ^6 g- \- U 48.9 + R0 T- v8 ^# E, B3 X Alberta ! @6 r- l- U  n3 Y. [  ~* h$ Z/ m 340,500 2.9 # t/ O8 O4 a4 T* }+ N. ^  h 74,400 ; q% e  J* c  W- s8 v% n1 C 32.5 -1.8 ! X) D& N) ^7 O7 F -1.2 - ^6 x& S$ H* T. \6 ?% ^ 36.1 Saskatchewan 0 R; A- X6 V$ N, [) ^% I 312,400 " o( l2 M' B% d2 ^8 n, v0 _$ n 6.3 70,900 39.0 -1.9 + y% g1 \6 F7 S, Y3 B" V -0.8 36.6 Manitoba ) X- K8 s7 A( _2 o 251,000 9.2 3 N1 [) y7 B1 Y3 q9 A2 Z) B/ B1 a3 ~% ^ 60,800 : f9 w5 c' ?0 g4 M5 ~0 W6 m 34.7 -1.4 1.1 + h1 O- T* A& t4 i7 W* \" M7 o$ s' B 36.8   \- z3 @7 v7 u/ O: F: R8 J Ontario 5 w  T8 _2 l: {+ Y 337,400 , b* r6 T2 L/ o 6.1 77,900 38.9 -2.2 7 w  V) E8 K% F 0.2 40.1 0 ]' d' i, v0 P. j3 D Quebec 221,600 2 d  N, K1 i) m1 C* r; t 9.3 + F5 O7 r' {2 R* R8 J7 F 51,700 35.0 " q: t3 {0 s: ^4 ^3 N -1.4 1.2 2 P- L+ D  [3 t, D- D: S* O 32.9 * B* {& I! t8 `+ I' q Atlantic 0 S' v) @6 b( k" |, U1 i% G1 ]" \ 196,600 0 X1 x0 H: U8 R8 h3 k6 V 2.3 : Q! ~9 ]& `5 i" a5 x' p 48,200 31.4 -1.0 % {0 V- Y- i' K -0.4 ' w' v; C8 U! I4 g/ d# a 31.6 ! f' R$ O7 v4 M, z4 j+ J Toronto 466,600 3 s! q5 N2 [% k- D# W 5.0 - p* @$ N' v2 b2 u5 I 101,100 8 y0 h* Z8 T- f( @5 y2 I0 M$ ?% k 47.2 5 L' a1 h: f6 Y/ L -3.0 -0.1 7 F( i1 \- n, H( `% @# h 48.2 Montreal 271,100 11.8 6 z% Q* g3 w8 }% B9 G  u$ x 61,600 7 P6 ^3 Q/ s" j1 {3 x7 P# I! r5 d 41.7 / b; \8 A: j! D! J6 D) b( Z -1.3 2.2 36.9 Vancouver 672,500 ' c: O+ ~4 R; X 9.7 131,600 ! T" v( J9 F6 O+ ]; M6 K3 O; c 68.8 ! ^) |: B6 g3 M+ `: F -5.4 2.4 4 B3 f. g4 v5 j' M2 C+ c3 X 57.3 8 S! l3 I* j1 i: o/ ~  ?, e Ottawa 2 R; V: H3 `+ ^# `: j 340,800 3.4 81,800 4 B; f7 `) }/ J: { 38.2 -2.9 / A: H5 D( b5 |0 g -0.5 ; B- k  @# [8 {! {# l 36.6 Calgary , [- \2 B6 m& v8 [5 b. ` 412,700 0 d! y; n( b9 @9 ] 2.7 85,00 1 Y; x! z; p+ ]! u; ?" X3 H6 h% u 37.1 -2.0 : Q4 y* P  y; O8 B. ]; j& D% h. ` -1.5 9 a* {4 q5 ]  Q9 i 39.9 0 h6 h6 @' }6 e9 r  t. H' o* F Edmonton : F# k& D# b' j9 v 322,900 5.4 72,900 32.7 -2.0 ) |# O" M& n3 E; S7 C. \. @2 C7 H -0.5 ( z, P1 t  D. Y- I; ` 33.9 ; g/ M- L7 T! W9 n 9 Z; R4 T- v1 _0 I5 }  dSource: RBC November 2010. The measures are based on a 25% down payment, a 25-year mortgage loan at a five-year fixed rate and are estimated on a quarterly basis for each province and for Montreal, Toronto, Ottawa, Calgary, Edmonton and Vancouver-metropolitan areas. The measures use household income rather than family income to account for the growing number of unattached individuals in the housing market. The higher the measure, the more difficult it is to afford a house. : R4 Q3 W+ _0 ^9 V

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年轻的心

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年轻的心

/ Z1 O* N' w& h$ H+ O快讯： Federal Government's Mortgage Insurance Changes

3 J7 B/ F- Z% ZThis morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     
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# D) ?8 g) B" y* h* e1 AThese measures include:
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# Y. N! ?0 {. R0 `5 H2 v5 jAmortization period capped at 30 years
( G8 G" |6 y; z; R: H) lReduction of government backing for home equity lines of credit
9 ]! d$ I2 w& l7 {* |4 @Maximum refinancing reduced to 85% from 90% LTV
  m2 u& _8 G) w' E' JThere are no changes to down payment requirements as CAAMP recommended.

CAAMP will continue to update members on any new developments.
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$ E. k! c, i/ l& m  E" y- f$ MFor additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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