快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

2010年12月
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Bank of Canada Interest Rate # w5 T* ?1 ^) w * B2 E& O3 n: R' q9 f' r; J: r5 L September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada / N4 c) h- f, R4 b' E8 g0 m % w$ D7 l. m; @. i1 ]/ D+ o' FBank Prime Lending Rate 3 e1 L; p- e/ ?) | September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date ) a9 ?3 M$ j/ H7 [; D4 l0 sSource: Bank of Canada + e) C6 J" X1 Z; I: L & f9 t, N5 F; n' h9 o$ d 5 [; c7 K, f: R5 I% \2 c % ]1 D8 q, j  z% o$ q, _Conventional Mortgage - 5 Year Rate* 8 k7 N# U' q4 o! p: @. ]5 t" [ September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 ! k/ n5 F) ^3 m( D# @/ c 5.44 % Source: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate 9 }2 @& R& s! m" [% E' E . i. |+ u1 h$ y9 IUS Federal Reserve Board Discount Rate 7 u3 N) X% {  T$ u/ d " d- V( @4 m$ y ; m  j" e$ x- Q0 R& H& J September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date 4 a' C7 w- B3 d3 g; P" RSource: US Federal Reserve ' ]% Z5 L, _' Q9 c 2 `. `! S+ w+ y 9 T) y- I) D" C+ l' G0 h: o 5 M0 B6 L# I, }/ R6 D 7 o9 _( u* U  Q/ @) x$ R) |Exchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada ) C, J8 \  x9 o1 c3 y$ p+ V+ w# `' { 5 @5 Z- f% R" U: x1 U; N . g! i, ~5 w1 S/ z; V% O  PGovernment of Canada Bonds ( J/ n9 E7 t" U) K8 D ( M. B8 d7 R, J   y* s8 ?& [1 M5 Q/ b% W- d Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1.21% + G0 R' v4 s+ d1 U+ H/ C3 k5 A/ @ 1.27% 1.39% 3 year Benchmark " k" x* t" k0 R5 C; n; H% kBond Yield 1.59% 1.73% 1.94% 5 year Benchmark * f3 y. J$ G" ~3 b9 T* SBond Yield 2.06% 2.20% 2.48% 10 year Benchmark Bond Yield 2.89% 2.98% 3.19% Source: Bank of Canada 3 N6 f% m+ V0 n7 p; xTotal New Housing Starts (Seasonally adjusted and annualized) Province   {0 l' F' t' W August 9 e: I9 E) ]6 k3 T2010 8 U2 |* Y$ r) Z/ I8 X  i( V August 2009 September 2 p9 d  X) l3 ]: p7 g8 u2010 # z" |. _7 G" R1 L8 Y September 2009 # c4 ^/ ^0 N9 v" s6 V3 \3 W8 E October 2010 % Z$ q6 T9 i  c$ U October / G* T0 L2 H( j8 w/ V) \# p& X& E2009 Newfoundland/Labrador 3 H5 e# F% ~6 \. z; z3 M 3,500 % }; @0 b7 B. G  y; L 2,400 3,100 2,800 ; w; M8 l$ d" Y. p! g" s 3,400 2,900 2 O7 I' v- m5 V/ g. ` PEI 7 ?" }! V! w; f 1,000 1 g$ a: |$ |- N 1,000 + V% B/ e- }  ^  V, _ 500 3 C8 r- i- D. \" P  q 700 " S/ u6 ~* g2 d 400 1,200 Nova Scotia $ ?# ]: t2 w2 ~. c! r 3,200 ! T9 q' N5 `4 b# F 4,200 3 N( o- b7 o7 f' y  k 4,100 4,500 4,700 9 r' a+ H9 R8 S7 H 4,000 $ j! X; g. ?- o! G  @* P# n8 E1 H New Brunswick ( t/ u$ h7 f  w- E 5,100 0 c" j* v, v# N* e/ a% n; V2 t 3,700 4 a) a' ?0 W  J& Y3 `7 Q 2,400 , H# h9 X  `3 F7 C0 V9 G4 [ 2,900 4,900 3,600 Quebec ! r$ x- K& f; u* B# u: v 48,300 47,300 50,700 41,300 48,600 37,200 - C6 q  T; R. Q Ontario 2 P5 ?5 f) e  m/ I: E9 ?/ F 64,800 44,200 " C2 r8 O! `7 _ 58,000 50,200 - F# f- f  Y" d* w8 ?- J 44,700 57,600 * l; Y8 I, V# L' ~& I" O Manitoba / V/ P; g6 L2 b0 f  M2 n5 C% q 6,100 2 a+ x1 Q( N6 C3 ? 5,000 4,000 4,400 3,800 ! \+ u- Z* r$ P0 U" P$ c 4,200 Saskatchewan * f8 a# A/ }6 U 7,700 5,100 5,400 ' ?) {+ g- D+ F. R4 Z 3,700 4,700 - M0 E$ t( y3 [9 J: _# X 3,600 1 X! w, G! k) y% x Alberta 23,500 " V6 Z" t9 T  c0 q 18,400 * b/ e% Y  T- U" n% h- z 27,100 1 b: J& I/ ?2 R( L- u& U! c' l9 A 22,600 0 A  a. M9 m8 X; N0 `, k1 q6 l 25,200 25,000 * l% x' M+ P! ], w4 V$ f British Columbia ! z1 o1 k: L( G/ |( \0 k 27,800 & Z6 m/ \. I) x4 d 19,200 29,700 16,200 27,500 3 S7 K) I3 q; m" p+ m 18,200 6 s! r- |1 Y  k+ g, k) `. x CANADA 191,000 150,500 7 L# Z4 I, L. S$ x 185,000 1 s, c) B; f/ l/ V+ Q 149,300 167,900 ( h5 c' ^, v5 t" C 157,400 ; P5 [8 F/ g0 Y3 J- M  }" ] # N3 r! {4 b2 TSource: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year. 4 }9 t0 [, D) P3 ]1 l  d& P( t2 m / q) G7 d9 l4 ?& t& a3 X4 C . B7 j& T) E7 c5 U) k6 ] 7 w/ N: }) r  |: \9 P- h2 l! _' v Average MLS® Resale Price for Local Markets ( e* Y# d  B" ^  `) ~( b. e * O) o" L; ~$ A1 N City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 7 e0 Y6 Z* Y9 Y, E4 C6 ~ $165,032 Quebec $219,440 $246,918 Montreal $285,100 $309,638 Ottawa $320,561 $305,872 . z+ b7 n$ w. X5 B7 z. h* O 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 $343,747 Source: Canadian Real Estate Association 3 N/ l7 k( E* j : k# l: I( H  Q6 N& {! F  W & {, v  X2 ?2 Z! }& T- tQuarterly Housing Affordability Index Standard Two-Storey Average Price RBC Housing Affordability Measure ! d3 p% l. q9 m& P Region Q3 2010 ($) ' b+ H7 v' f8 Z+ E4 a$ i Y/Y % ch. % q5 ^, Y' @  U. e Qualifying   }/ D% \4 m2 W; JIncome ($) Q3 2010 $ ^6 {  J1 k0 I$ d' v7 K Q3 2010 ) M  K0 s# k. v; ~9 N, G% a1 _4 ^' ~(%) : U8 }# c9 a7 k5 ^5 }& Z Q/Q Ppt. Ch. Y/Y Ppt. Ch. 4 Y9 p% j/ B3 B$ J% j' Q4 k Avg. since " |1 {' h5 e. j  U, T) R" l$ N& D- B1 c'85 (%) 6 v0 c) h2 [" C0 p8 [; C* a Canada / l/ f: K0 ?& k0 p 370,700 6.3 ; C) y# r% n' b- O/ P, y 83,100 46.3 -2.5 . C/ k, ~  o4 y2 n! J; t 0.3 43.3   e5 I" Z- {* C" p British Columbia 624,800 8.0 124,500 $ Q1 \6 O' i: n, v! w' A 67.5 & z# {& M/ B: q% } -3.9 7 Y. v9 P  X2 \  |, J2 d 1.4 4 h$ G4 Y8 a. T 54.1 3 \6 P' d& u% [& R" \+ ` Alberta 365,600   n1 [# A+ q7 i' v 0.1 81,400 , s4 O( h1 j1 }% C5 n0 A/ b' D2 F 35.6 -1.8 6 ~+ v( B* M. a3 J+ x -2.0   S& J# J0 v6 s* a0 i3 t2 E: |. P3 O 38.6 Saskatchewan 315,300 ) v$ r* H6 s7 l# ~  ^8 Q 5.1 74,100 4 c9 P- [) ?% c" Q& b6 ^/ _- K  u& M1 J 40.8 -2.2 ( y+ l9 j" |. o' k* P2 _ -1.1 ! q8 d! h& K9 ]* | 38.0 Manitoba 269,700 * Q8 @7 }$ W& M9 b, k3 y! C% E 7.8 : w0 F; `- c2 }4 K 65,000 * o# u: R3 l1 `0 a6 k; l1 J 37.1 -2.3 ' T' @/ H" I' I# g% m) |" p 0.8 37.7 Ontario 388,200 6.2 89,800 44.9 ) |9 Q6 }* {" h4 @% u; G -2.4 0.4 43.7 Quebec 262,100 ( }4 B4 H" ^' s: J: S/ M 8.6 61,700 0 \4 e; a# b4 F 41.7 . [  r* g4 V) @, ^6 S. E2 v -1.8   K2 |, h' f; W) j" x! B 1.3 38.8 Atlantic 222,100 4.3 55,900 1 I& Y* A. {2 f: n 36.5 -1.4 0.1 38.0 Toronto ! v! H. g1 p* f. t 554,700 5.6 120,400 56.2 -3.8 5 w1 K6 L$ @; a+ g7 e0 r 0.1 6 x$ b* ^. u2 O! V" M: l 53.4 Montreal / o% L5 P8 G# c7 H& ] 335,300 8.9 75,800 ! T9 x$ Y! p/ R3 i2 F9 i- g 51.3 -1.7 1.7 41.7 Vancouver ' A* r6 O2 J$ M$ s# Y+ [ 766,300 8.4 / Q7 L  c  r- }5 x9 e8 K 149,400 $ M0 K7 X5 I: x; M4 I* s& L 78.1 " p% s% m5 ^- g- M5 {9 V8 Z -4.7 2.0 62.6 ( N1 v9 Y6 Y) C) d1 `, i Ottawa + g6 y) N1 X0 O& J! T 350,600 ' L9 \4 E& {; I6 e 4.8 + O: K1 ^% ^$ S 86,600 40.5 / j& S5 j( b* {5 K -2.5 0.0 39.1 Calgary 410,500 ; ^: U" r" r8 j$ l$ @0 t6 m0 r' _ -1.0 86,700 37.9 9 m) k( f; w5 H2 ~0 ]( ? -2.3 7 U- S- o+ z$ m4 ^0 z  M  Q -2.6 40.3 : T$ t- r" R1 [% b; Q Edmonton 362,500 * T; N: W3 `# H* y" P& o 1.2 ' B3 K! x+ _' \- N8 X( ` 82,500 6 ?) y7 \. i# c; r' U& t5 o 37.0 . m, e# d$ B% k; ?0 { -1.9 -1.6 & J/ K& s4 V+ r9 Y 37.0 ) l. ]% G3 {5 e8 g- ?  E8 q / E3 r% }5 `% y5 ? Detached Bungalow # |) m- J, k' c! L8 R Average Price RBC Housing Affordability Measure Region Q3 2010 ($) Y/Y % ch. Qualifying Income ($) " D" u" E$ O! X  X  w: T) DQ3 2010 Q3 2010 (%) 0 n) \9 n. m9 p) I3 C5 H% j3 ^ Q/Q Ppt. Ch. ( O4 [) S! E9 X Y/Y Ppt. Ch. Avg. since '85 (%) , W1 G  {+ V4 I! h6 d) ?0 P+ Y) U9 b Canada 325,300 8 H' q7 @0 q8 h' R7 U& d( q 6.8 3 N9 @& O' D; l( y0 g3 I 72,500 40.4 1 [" M1 v/ S! X/ B' J( E: p; w# ^ -2.4 0.3 39.0 & u& t2 X6 B+ e7 h British Columbia 544,700 8 R; J* h+ t; M# M9 S9 ^ 8.5 108,800 6 F( m4 ~6 b2 J2 x 59.0 " Z0 C  c7 v* r  n' p. _! u -5.0 0 k7 A/ E( y8 e  j 1.5 48.9 Alberta ) F& U6 ~( d* l# t2 ^ 340,500 2.9 7 r- A; X& c' E5 @8 S0 K 74,400 32.5 -1.8 # \$ D# W7 O) @* W7 `5 G -1.2 8 I; k0 Q1 K; y% f" E8 U 36.1 Saskatchewan 312,400 1 U6 r6 r+ @; L5 ^7 | 6.3 ; i: r: B" C" J* D* C% ~, R 70,900 39.0 9 l2 [" F- w) Q; ?, E3 ] -1.9 & E$ Y" F. E+ e( ^3 ~* Y -0.8 # v$ N! C1 O+ I! Y 36.6 Manitoba 251,000 9.2 3 f' S6 m0 _8 x% s4 t 60,800 34.7 3 Y" e2 o1 ]( x! g* [; U% y+ L -1.4 1.1 4 w& f& Z/ a( m3 \0 [  d. k8 F 36.8 1 m3 ^3 j$ s/ ]8 R0 N2 c" v8 m Ontario   a* K6 p$ z0 n% H3 m 337,400 6.1 77,900 38.9 ! V! o) f) Z8 Q3 f$ V -2.2 0.2 40.1 Quebec 4 U. ]. }/ C  n: D* x 221,600 " n6 X! l* Z0 i$ | 9.3 51,700 7 \9 W1 {+ L6 U4 ~: p 35.0 -1.4 1.2 32.9 Atlantic 196,600 2.3 48,200 31.4 1 O- V1 W4 w. s$ [. h# i -1.0 -0.4 31.6 Toronto 0 s7 _7 T' k3 }: I% b4 t4 [ 466,600 5.0 3 _- Z4 e0 T5 D9 h 101,100 5 L4 `- v7 T: {" r 47.2 -3.0 -0.1 48.2 " @8 P6 w; r2 L6 f$ |0 |: D Montreal 1 [$ M9 {0 K1 `/ w# x( z 271,100 ( |* O* Z0 s. ?; T4 X: R( o 11.8 61,600 4 I. L9 r- X+ S( R 41.7 2 d1 K2 o, v4 ^1 ~( T) K -1.3 2.2 2 Y* w8 n5 a! X. L$ B3 p" D 36.9 Vancouver 5 @# r0 H4 f7 ^ 672,500 9.7 & [! j% y8 C1 {' ?7 v$ W6 L9 A  y 131,600 68.8 -5.4 ; p7 Z1 n* d* i4 i8 u8 ^ 2.4 . j% f# Q: r. r4 d7 x0 Z1 @ 57.3 6 @5 x. T1 D" s, W3 {' N, e Ottawa 340,800 3.4 81,800 38.2 6 O9 y! u. Q' ^1 R4 o4 C  Y6 k1 f. x -2.9 - P& E8 l% G; Y; s1 L6 n -0.5 36.6 Calgary 2 Y0 t5 ^- a4 P  j& b: l 412,700 ( G3 I' M! Q. R5 M* p$ i 2.7 85,00 : q, z+ M7 G5 \3 P* r; |* v 37.1 9 S0 \8 G8 R9 Z9 x1 S -2.0 % l3 U0 N  {8 O -1.5 39.9 $ O- D& j, Y$ m1 Q7 p' @* F Edmonton 322,900 " V1 W. K6 A- l" L 5.4 72,900 : Z# {8 a& q! y+ H" Y" h 32.7 -2.0 + V4 u) T/ u! r7 l2 h9 Z( z -0.5 2 ^- G  [* j( m) I% A- H- h( x 33.9 5 Q: a  }( O3 J/ y! a. o Source: 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. + n7 `- n% \" H. o7 A) _

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今日议息结果如何？

年轻的心

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年轻的心

. I; k5 _- D6 x, U快讯： Federal Government's Mortgage Insurance Changes

7 Z* b3 @! Y& |: X" E; xThis morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     

8 e0 u( q, i  {2 i* ]4 w1 m( MThese measures include:
, w$ p" y3 C" M8 b1 F$ J
9 M( j* f5 H4 `; @& RAmortization period capped at 30 years
: k2 P) j- J( M$ b% v' \Reduction of government backing for home equity lines of credit
Maximum refinancing reduced to 85% from 90% LTV
There are no changes to down payment requirements as CAAMP recommended.
) K9 f- @) I1 a" N
CAAMP will continue to update members on any new developments.

0 D( J) ]+ m% v( ^9 W- z$ w4 [For additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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