快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

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Bank of Canada Interest Rate 0 A2 U. j4 W) A% ], O) z September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada ' |, a, w" q& U# p& jBank Prime Lending Rate # W5 G) w) x; S$ Y. y3 c( F " \! a$ t" B9 A9 r" s  G September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada / K) @1 f; d- x& T0 I  R * _' B6 l" O) a, l : l7 k* \3 [4 u% a Conventional Mortgage - 5 Year Rate* 5 _; H: A1 ~0 T% \$ Q: @: H: i September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 ) M, Y* x! p9 ?! Q. R$ f 5.44 % 1 z8 z# w4 t5 O0 vSource: Bank of Canada " T. b% Z% w  P" X2 n* z*Determinant for high ratio mortgage variable qualifying rate & Y& N! Z- M# P5 x/ _ 9 ]9 V% d5 B+ h3 j6 W. J US Federal Reserve Board Discount Rate 7 r. H$ ?' ?7 D# @ September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date 8 l+ u5 Y6 L1 N% s9 x) R0 ~Source: US Federal Reserve / G) t$ \; Q1 z& Q+ }" Z1 s* s 5 j3 s* S. z! h& ^( \; g9 ` 5 o2 q, ~$ ^' l- {) K- M - v; i1 q# H; y5 DExchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada ! L% p/ p7 K  y, I7 {* i3 n8 y ! A) Y5 s( q4 n2 ]- E) ^Government of Canada Bonds . y$ m% I3 p1 Q( } Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill # e  B2 E8 L6 ?4 k# x 1.21% 3 b% X4 K  _' p% \ 1.27% 1.39% 3 year Benchmark Bond Yield 1.59% 1.73% 1.94% 5 year Benchmark 4 Q* i" K7 `* j# T1 J6 p8 `" vBond Yield 2.06% 2.20% 2.48% 10 year Benchmark ' |  I& q5 O0 IBond Yield 2.89% 2.98% 3.19% Source: Bank of Canada $ f& B) E0 q" r, z   ^3 }8 h2 a: ]! K0 F0 N2 f7 ^- U8 Q Total New Housing Starts (Seasonally adjusted and annualized) Province August . h3 u' B1 U3 ^' e1 M  h6 x2010 + b% J+ \! a0 f5 x/ G+ }# K August 2009 September 2010 September 4 f2 h7 C/ e: E2009 October . Y) w; y3 p& j$ i8 V& T2010 . O5 ~2 u+ u& ~0 ~+ I October 2009 Newfoundland/Labrador 2 c6 ]7 X- D) }4 E( d1 h 3,500 2,400 3,100 # {( y; x: I* I 2,800 8 Y: ]* @" ?# C7 \5 v 3,400 3 }; u% N7 |0 K5 h. b+ A 2,900 7 c" A9 D$ F6 X# ]8 b8 h' j PEI , L1 d6 I, ~! f5 [  {4 g 1,000 1,000 500 5 z6 M9 `; I: n) r8 z6 S: R 700 . T8 d4 _; p/ \  s) @4 C8 E, w 400 1,200 Nova Scotia : R4 f) t, h/ ~ 3,200 # s, P! e/ x: I* g 4,200 4,100 4,500 4,700 % U4 ^) j# h5 ]; A( B 4,000 New Brunswick 4 z+ E3 V$ m5 H- n 5,100 3,700 ) _  h+ Z' [2 C, `2 ` 2,400 5 o+ W" p/ w. f/ S 2,900 4,900 $ B1 b5 B: A% I: V2 e7 { 3,600 Quebec ) x$ F, F5 a: R9 |% N 48,300 47,300 ( ~3 i7 t. E: X2 z8 C 50,700 ; h% @/ T8 b& x/ r 41,300 4 @4 d9 U9 }- R! |4 ` 48,600 37,200 Ontario + c: V# T1 Q' b: J, h6 Q1 \% W 64,800 44,200 - B+ O" i8 ?# \1 ^+ |) M 58,000 50,200 ) P& t! s2 }% N$ x 44,700 57,600 Manitoba + D( p, c) K- H$ R8 j0 _. i 6,100 5,000 4,000 7 H. y$ x6 l% n5 X5 y. j 4,400 * f/ a% J  f9 S 3,800 9 n8 v# H" D% x8 L 4,200 - G! ^6 ?9 f: f, |1 X, o Saskatchewan , k% a2 r- K+ Y2 @/ v% D 7,700 5,100   g4 {7 o$ U. Y) Y( E" `6 P2 e& f 5,400 3,700 4,700 ! g- g1 e1 h6 L& ~! h# x! ~# n 3,600 Alberta 6 |: ?" b( E% C 23,500 * F, x9 S9 k: k: @, c: J6 ` 18,400 27,100 22,600 , B, c# d9 |% p5 V, O% v 25,200 25,000 9 b3 G- g2 h( s- H; Y; @ British Columbia " b9 v. ?- q1 D) r1 @ 27,800 0 f7 U4 U3 {* O' ~. `0 I 19,200 29,700 16,200 27,500 18,200 " _0 C( @$ \- K6 m& M CANADA ( u& g6 R1 c  c 191,000 3 I& U2 a' V* ]! z/ } 150,500 3 a% `( V" c7 t" j, P8 u 185,000 - C. {4 C# K, X. x 149,300 9 d; ]+ R7 `* T6 T. f# Y; |. c 167,900 157,400 Source: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year. ; k& @: w: D. t  @ & N( F" e( K1 w: q0 m1 u & L6 M; d4 y. a; D; z % G; G6 {% j, X( |. U8 N9 PAverage MLS® Resale Price for Local Markets - `5 X9 `. y) {7 V9 T: A City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 , e) _6 f/ b& V5 E; r2 I $165,032 Quebec $219,440 $246,918 Montreal $285,100 $309,638 Ottawa $320,561 $305,872 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 $343,747 Source: Canadian Real Estate Association 4 U* X) ]: ?7 |5 v5 a, F 6 x) x1 r4 i4 s9 V- H% v ) n0 ]0 g! M( s) f9 i9 g+ Q Quarterly Housing Affordability Index 6 ^2 o' P% I, e( r  e Standard Two-Storey Average Price " Z3 I% l% a( u! L* P) ~* a: W  C RBC Housing Affordability Measure 1 H2 B( P& L6 t/ H7 ?3 v7 b Region # i6 @+ Q) p( C! T/ i# i4 S Q3 2010 ($) Y/Y - q, s$ z% ?7 @0 Q" h/ P% ch. * R" u3 |% N. h# Z( a4 H$ f8 R Qualifying 2 ^+ Y, s# z; R' iIncome ($) Q3 2010 Q3 2010   |9 u2 ~' p& y# \2 ?/ `8 w(%) Q/Q 4 w; T* ~7 u! z& I/ o. F& GPpt. Ch. Y/Y Ppt. Ch. ) ^& P* I9 q; n7 {! M9 o Avg. since '85 (%) 4 Z+ ?5 F* d  f9 ?6 X Canada 370,700 6.3 1 E8 T; i8 G. p+ v% c0 b; ~ 83,100 46.3 ' w, P$ P$ A7 d& ^, A -2.5 ( V1 }5 V; o( P" ~ 0.3 43.3 British Columbia ' d0 x' Z; d0 b; i6 c 624,800 * P$ H' c3 y7 K9 z7 L3 B# P. N 8.0 124,500 " X. o2 @5 y6 w' G0 L! L4 q 67.5 1 I9 D0 H& p% a) X" q5 [ -3.9 1.4 54.1 Alberta ( u# l/ l& p; Q7 }5 q! X 365,600 0.1 5 t# U$ I2 {) Z 81,400 . b! S  |- ~2 N9 w$ z 35.6 -1.8 - e3 Y% x/ W5 l -2.0 1 U  B' z7 B; F; M1 Q- }' K 38.6 Saskatchewan 6 L: e3 H( _- S1 L% [0 c. D* N) @1 } 315,300 % O3 b8 i, x+ C0 J! @! q  H+ D 5.1 $ q5 q  Z4 u/ m7 o1 k# p6 D/ j: F 74,100 ) X' v/ Q( o5 q3 V  T" p 40.8 -2.2 3 Y2 T* `2 m3 b( D+ Y0 t, q. X5 G -1.1   i  a# B( c4 X8 [ 38.0 ( K7 @: c$ b, G& `5 E7 D Manitoba ) n2 q  \0 t' ^% \ 269,700 " _2 z# e1 t& i$ W 7.8 65,000 37.1 -2.3 - B9 t; Y- q  S4 v 0.8 37.7 ( C2 |/ P( E" E% V$ U2 @ Ontario 388,200 6.2 89,800 * `( G4 w% x9 m2 J: u7 v! _. s9 p 44.9 ) l; K0 ^* ?4 r -2.4 $ N, q0 c  a% ~, |2 n/ a8 O 0.4   v/ Y- U+ p* d 43.7 Quebec 262,100 8.6 1 b! T* K  a1 |# k: e1 |6 k 61,700 " _  F! {" T. `! v4 @5 | 41.7 - K9 h5 m% n$ t -1.8 # ]- k/ s( I3 y. x9 B9 g, ] 1.3 38.8 Atlantic # k$ [" _. M% @1 t; r 222,100 " h2 ]: @* q2 `* x& ~6 Y6 l# e 4.3 55,900 6 A+ A: z0 ~2 U) U1 @. f  A 36.5 -1.4 0.1 38.0 $ y9 n2 J2 V- _0 X* o Toronto - [' }, P  R5 K& g9 m  b 554,700 5.6 120,400 ; c7 R1 ?& _3 Z$ m3 P0 S8 t 56.2 -3.8 0.1 53.4 1 K" Q% L, h4 K" Z1 I& {& e Montreal 335,300 8.9 75,800 51.3 -1.7 1.7 # H4 ~, F$ A7 |( K: D 41.7 Vancouver 766,300 8.4 5 K0 v% O% E% i2 M+ T+ u* a 149,400 ! |$ f' ^, i# C: F$ h$ X 78.1 -4.7 2.0 ' a* J) E# k+ `0 r 62.6 5 u/ C8 e4 `0 M7 T) t# l9 t$ s Ottawa 350,600 4.8 86,600 % O3 v/ A$ M# h" A$ G7 Y 40.5   |: f! A5 P2 @* p) n. G- ^ -2.5 5 u1 o2 r  M5 r6 c1 G4 e% s$ t 0.0 4 C6 _2 Z/ P# o0 K+ o 39.1 Calgary 2 V+ w* f2 q% h6 l/ l 410,500 * N+ S5 M( B1 Z% a9 B; d -1.0 86,700 37.9 6 @0 l8 o# d% [' o- _! j- s -2.3 0 n5 J8 |* l( n, f5 z; O6 D" z -2.6 40.3 Edmonton 362,500 1.2 ! p! G8 I8 ]0 K2 p# X* ]0 z 82,500 $ R# ]. T, [, L: e( U 37.0 -1.9 -1.6 37.0 2 g5 {- w$ M3 w - [6 Q! [' h: v; d Detached Bungalow Average Price 8 e$ X+ l4 q' Y* v% b$ L5 I0 I RBC Housing Affordability Measure Region # B  y+ Q) j3 t1 Q Q3 2010 ($) Y/Y . L+ X5 y/ d' }: q6 `  k0 Y% ch. Qualifying , T3 L  Q3 F) o- |# ?: G$ PIncome ($) ; m% ?' D  c  J0 R0 p' VQ3 2010 ! s3 A" \: L1 k; G3 w" X% W7 H& Z Q3 2010 . j2 C& @9 m' q% Z9 m" g(%) + v, h0 V. ]; H( c Q/Q Ppt. Ch. - B, J; A) l  L9 Z2 l Y/Y Ppt. Ch. Avg. since '85 (%) Canada 325,300 6.8 72,500 40.4 5 J2 L4 u( x5 {+ l9 c, \" y- b -2.4 0.3 39.0 British Columbia 544,700 8.5 108,800 59.0 . k4 {. \5 J- M! m: S9 T0 V -5.0 % }5 I$ w  C0 L' ^ 1.5 4 U9 C, L! j9 _9 j 48.9 Alberta 5 J9 ^( L! [' T, C+ b 340,500 2.9 9 J$ ?; t; G- z7 f1 M" `8 x% K 74,400 32.5 ' x; w6 Y7 Y  d' p/ c -1.8 0 l9 p9 D2 I1 R9 A  l% d4 X- H9 K! g -1.2 36.1 * p' t1 b3 T3 k2 q3 c( M+ x. x Saskatchewan 9 ~; A5 v+ m7 H' g) P 312,400   ]5 \8 E' H( q3 H# h, h 6.3 70,900 2 `1 J2 W- p7 J8 M' { 39.0 ' G9 v6 [! o4 t+ S, A -1.9 4 a/ s. G; W5 \2 W, k8 u6 Z# Z& h -0.8 $ Z% B. S0 o/ l  G+ d/ v 36.6 & k9 ?( f/ X- L: V3 N7 r Manitoba , m0 D/ C8 A9 E( h0 _ 251,000 . k0 B& I6 k$ _3 @% k* Z 9.2 60,800 & l; M: J) |9 E0 q: p. L* M 34.7 -1.4 5 f8 c8 |6 h6 m( c 1.1 ! Z; L( ^  x0 ]) } 36.8 7 x9 q7 v4 J; ~4 q  K" E( U Ontario % F# X/ V& g3 m5 f8 Y# T) V 337,400 5 v/ _: H1 y1 e; V% u9 ^ 6.1 77,900 ; C6 V, t8 s; E" o. v% t! n 38.9 # S9 Q% [/ M' G1 Y -2.2 0.2 40.1 Quebec 221,600 ; C  @# u8 i" h9 [1 x( V9 b 9.3 51,700 3 W# X( m& E0 N, [* k 35.0   ^5 h- @: E) O' U3 k" n -1.4 1.2 32.9 Atlantic ) }" e, d$ ^8 x* g, d! }6 V 196,600 2.3 , S) a% w  k: g# D* ]( I9 W 48,200   _( p9 p0 Q7 k& y7 b 31.4 - M% U! c9 R+ `% a. T9 n! n( E -1.0 * r1 |# ~+ w2 ^- Y. Y  S/ T -0.4 31.6 ( w0 ~) b! D% Z6 H2 ^2 j8 M0 O% t6 Z Toronto 2 o1 w$ D4 |1 k 466,600 5.0 101,100 47.2 8 A2 u8 k% q6 y3 T4 v, y/ p -3.0 0 h" m, ~5 S( G* n. P; ?. @ -0.1 # _( ?9 a9 y' A- N' J, q 48.2 7 N! {/ D. `7 O) j) i' R Montreal ! S' G8 Y, ?1 t+ f- K) ] 271,100 % ^" j6 m/ D' G% [# o. { 11.8 % k5 p; H. ]8 `- E7 p* R 61,600 41.7 -1.3 1 A& r' G: Q, R, ?# Q 2.2 36.9 $ K7 ^9 S& n& F* f Vancouver 5 J$ w& l& `. {, p 672,500 9.7 131,600 # f2 I( V# }( L9 m) h- l3 N 68.8 -5.4 + ?4 \, q. h; F8 r9 Q3 i 2.4 + C/ M% s6 b7 i: d0 z0 z4 y, [$ V! X) o 57.3 * E1 ^% ]' Q' N' x6 R: W6 P Ottawa - I) ~- \! G" O' h 340,800 3.4 81,800 4 ?+ m( V0 P7 c$ ]% r& G9 F- g9 f; Q: } 38.2 + F, A- ?2 Y  H: |: _' P -2.9 -0.5 36.6 Calgary 412,700 2.7 ( q" g& w5 G3 \4 b 85,00 " n7 x4 s/ K: e3 c# q5 [: S+ k 37.1 -2.0 -1.5 0 [8 g; `, h* e4 ]4 Z9 U 39.9 Edmonton 322,900   B& m' j( I- f9 ]7 g5 B+ s/ B7 y 5.4 72,900 32.7 -2.0 . y) R$ Y+ s6 o. J2 y -0.5 33.9 3 |1 c: S2 `3 ASource: 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. # t* A9 R7 s3 \  N" L2 G

衣食住行

很有用的信息。
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年轻的心

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年轻的心

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快讯： Federal Government's Mortgage Insurance Changes
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7 ]1 z- b; a' H1 t6 a4 t$ QThis 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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These measures include:
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4 |: N6 r' s8 y7 w9 Z$ `4 fAmortization period capped at 30 years
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.

CAAMP will continue to update members on any new developments.
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6 v: D1 U8 E" p/ q9 M5 P) Z$ [* ^For additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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