快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

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Bank of Canada Interest Rate 9 |* ]0 f* @  E" k- r 1 y( c, j0 y" s3 E September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada 8 {, H8 U5 h1 ~8 b6 L9 F$ l. D 9 C8 v3 w; f: U$ T " Z/ d  p. t5 i2 }' r' h* k% x- tBank Prime Lending Rate 9 U6 I+ S: z* [9 j; F) r6 U September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date 0 o2 h- Z" ]: `2 oSource: Bank of Canada % p0 W& ~2 u" ^) t& d+ B 3 p4 S$ W" R" s8 k* J) M  [ 6 s1 c$ z! S# ~8 p6 cConventional Mortgage - 5 Year Rate* ' x: c$ G4 y( y; D) \2 j September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 5.44 % Source: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate . v  V/ r2 |# N7 @ 5 `+ _3 e# Z7 ~) s 7 d; R. k8 _4 J& tUS Federal Reserve Board Discount Rate - G- n) P2 d# f- g* `1 S 8 `" [' S7 n- i September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date Source: US Federal Reserve 3 O" t0 m8 Q7 j6 O9 D3 z% d! Y 6 W' U$ V' X) s  [. C 3 z+ x8 E3 j; ^- m  _3 E Exchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 2 P7 ^+ \) v* K4 S; Q7 Z1 ~0 M+ [9 x) a9 ^Source: Bank of Canada $ ^. Z3 @/ _6 F # ]) o- x9 x6 g0 I0 I 8 ?$ a* Z  |8 W" K  \+ A 1 |" G1 p: w- L9 S, p6 ]6 u- ] : c" f3 W& z- D  C* F- V/ y9 NGovernment of Canada Bonds + H+ M* y& v8 J: e% z) X2 p, [ : M' j: E" Q7 o- g- s: d) m 9 U% O6 [! h; `" M! s7 C/ _! t! X Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 7 t" A( X1 o& \2 i2 x  [5 q2 m 1.21% 1.27% 1.39% 3 year Benchmark Bond Yield 1.59% 1.73% 1.94% 5 year Benchmark ; V: A2 G. {, a1 WBond Yield 2.06% 2.20% 2.48% 10 year Benchmark : @# ^& [; @/ L& B; yBond Yield 2.89% 2.98% 3.19% + ^- z. G5 l8 H8 V" O* K; Y2 k$ QSource: Bank of Canada ' H  s$ D( U% ?: s4 W0 ] 7 f5 K3 }* {! K% n& z7 o " F3 G+ I! }; q( e1 ]Total New Housing Starts (Seasonally adjusted and annualized) , v" \" G1 P) Q7 F' r Province + ~9 U8 `* c; Z1 \0 m- [ August ) `, E1 o3 v3 q: A+ P) j2010 9 \3 [, X4 a  x6 {1 ~ August ! W9 B' L* Z* I) q+ p& q! L2009 September 2010 8 n9 Z$ p" f1 Q2 a) o. z. c9 e September . D0 z8 v* Z& h! p2 r2 Y7 Q2009 October : W1 C  [8 P7 m, p1 B2010 $ I/ M2 i$ H# x+ z/ V: J October # F7 Y# ~( O8 H7 ?8 N$ z4 }* ]; |2009 Newfoundland/Labrador 3,500 2,400 4 Q; d# ^; Z( h: a 3,100 2,800 3,400 2,900 PEI 1,000 1,000 500 2 \# ~6 c2 ^3 `, o 700 400 1,200 Nova Scotia 8 {4 `% Z! ]6 l4 r( o6 F 3,200 / H, g0 P+ {- _/ N# }( @" z 4,200 4,100 4,500 1 A$ Y4 z! e; [( W( Y3 k. | 4,700 4,000 New Brunswick 7 }! k0 T( l4 U! O 5,100 7 I8 ^. {) P* J: z: e' u! L, @ 3,700 + ]( r) S' q" ~6 i2 L1 {6 j 2,400 2,900 . w9 N. F5 ^1 B6 a& ^: m- w! ^0 d% J9 i9 | 4,900 4 ~6 s4 M2 v2 R/ B6 F5 J 3,600 Quebec 3 r- N; I7 T0 Z6 p8 Q" K9 Z' w! c 48,300 % a, P3 X* p% q6 y3 n4 w 47,300 50,700 ) w# M* s& K, r3 t+ h2 ]6 A: Z; {' ] 41,300 48,600 ) }8 @& _! d0 k: X! Y% k; I 37,200 Ontario 9 M# g; e  k( W% U# a' s 64,800 9 ~; q$ \. [( r7 O, D9 n+ f 44,200 58,000 0 {" P4 W# t& v9 E+ { 50,200 44,700 * D, w# e: o. h, \) }: w& ? 57,600 Manitoba 6,100 * ?; p9 S. O0 ~0 D; F4 Q  Q' L 5,000 # H# d# K9 C$ r* x" n 4,000 4,400 2 F3 z0 n" S9 Y. P/ R1 L8 e 3,800 4 }, r2 }0 u% m6 V 4,200 Saskatchewan 9 [. S- Z( C) t, A  ]2 Z 7,700 5,100 5,400 3,700 4,700 3,600 Alberta 23,500 ) j' E6 O9 L3 b 18,400 27,100 7 h, }, j% r3 ^ 22,600 * j- |+ E$ I8 _+ c 25,200 25,000 British Columbia 27,800 & G9 t( n  k3 k- C 19,200 + Z( @5 ]! f9 k 29,700 & t( Q. ?$ F& t/ V7 B& ?, l1 P 16,200 ! S4 J: c$ b0 f6 N' i; v: d( C 27,500 18,200 2 J! t# ^) f- D( \3 X* e3 p5 \* n CANADA $ M# U9 w2 x3 m; Y+ Z8 k 191,000   |6 s; J% [. G1 B/ n: ` 150,500 ( i7 l7 \  O2 ?, }2 N. {( n 185,000 149,300 167,900 ! b- F& b/ B+ v& w! C% X 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. 2 u! g/ |/ L* g* U5 ]+ N% Z$ O / I9 m5 e, i# C! O$ Z8 r8 m5 p& Z ' b- Y( e; n; s  _Average MLS® Resale Price for Local Markets 1 g  Y6 \+ P+ K  \! T" a6 ^) W 5 |/ {% z7 v9 a1 K  o6 p2 a City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 $165,032 Quebec $219,440 $246,918 Montreal $285,100 $309,638 Ottawa $320,561 $305,872 3 `$ t' c- G* e 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 $343,747 Source: Canadian Real Estate Association   H* I& T; m6 J* b, E9 ` ) |0 A+ n7 v. w$ `! H+ z' Z , Q6 A$ {# G, RQuarterly Housing Affordability Index + N) D. Y2 c# y7 P0 Y( W+ ^ Standard Two-Storey + P2 a) @$ i" O Average Price 2 @3 ]$ ~9 s( j& I 1 N: A5 O* B5 C+ G$ U; c RBC Housing Affordability Measure Region Q3 2010 ($) Y/Y % ch. Qualifying ! c3 v; s" W- |9 i6 Z, B, cIncome ($) Q3 2010 Q3 2010 7 q% I. H0 u7 s5 y0 |6 H(%) Q/Q Ppt. Ch. Y/Y 9 B1 `& ]  p+ H; x2 Q2 f0 G: C# @Ppt. Ch. Avg. since '85 (%) Canada 0 z0 {2 i4 N$ t7 N8 _/ T$ x 370,700 & E  q+ Z; ?2 y- h9 I' j- y 6.3 83,100 46.3 - `2 p6 P" \  z5 ^ -2.5 ! R- c  U& X. Z! G5 b1 y# s, | 0.3 : i) j0 n* }+ F1 p: \' B# r9 C3 y 43.3 # t9 Q5 E; ]' @, e9 e6 d8 A British Columbia 624,800 - F; }; z# P' w7 _2 Y: p 8.0 124,500 & M4 w) H+ s9 g9 s) r0 B9 w: d* M# V 67.5 -3.9 3 [: m$ Z3 E" m. b6 P- W 1.4 54.1 ) a' s% X/ O) H. K# O Alberta % @. Y1 n# U' \8 c& E! e 365,600 0.1 81,400 + X& O! h; p, z+ ?% k 35.6 -1.8 -2.0 38.6 9 C, _) r: Y* W* B% s7 @/ W! H Saskatchewan 1 r2 d1 j+ |. i7 x5 ~* b4 W 315,300 5.1 74,100 40.8 -2.2 ) m& u7 {; R6 K, Q: K -1.1 ! L& Q7 ~3 l- j# I0 e8 X& M 38.0 Manitoba ) d7 l* o9 P% t) t: S 269,700 4 j0 s! ]' J) W 7.8 65,000 ( Q) f( {& G) G& T+ g 37.1 . y2 y, f" [' O6 n: f' {: W -2.3 1 Z; R( Z/ _; p 0.8 37.7 Ontario , m8 R% S! H* k8 V+ ? 388,200 6.2 & S3 [; a% r' ^ 89,800 ) P6 Z9 D( I" ]6 K+ A3 d 44.9 % }3 y* {% v8 c6 p -2.4 0.4 3 B, q1 U8 D" C/ L# A/ D  t1 a 43.7 * w5 P; A% S; s  g) G6 Z Quebec 262,100 8.6 : ~8 u0 n3 g8 J0 v& P1 u 61,700 ( _, h* Y. g% o; q; S 41.7 ( S3 k5 t" _( X5 ]  r6 r% S% n -1.8 1.3   `3 b( o" |5 p  W4 | 38.8 ! k! f7 X* i/ Q8 k, O, j/ b: L' O Atlantic 0 \, q6 S! i& i  k8 L 222,100 4.3 8 c- a6 U: W3 s1 g- X" [& D9 G 55,900 ' x* o  m$ w' s9 |3 u 36.5 / ?# W$ _3 J0 t' B -1.4 % M+ i/ Q# x7 R1 P# n0 [ 0.1 / f$ D* q. b* A' W1 N0 N 38.0 4 \1 k: ^, A% y8 R0 g1 W Toronto 554,700 5.6 120,400 56.2 -3.8 0.1 & E4 x& d" b" ]6 p! N2 { 53.4 . x; L. M8 o, i Montreal 335,300 8.9 * a2 T6 o$ Z+ t" L/ |- f 75,800 51.3 , o! ]4 o3 D& O+ n8 G2 N' I -1.7 1.7 41.7 / c1 v1 L/ c: ~4 K- J8 Q( w% ] Vancouver 766,300 ' s5 A! `# R9 }7 m7 s0 m 8.4 $ [7 E+ M7 D! D 149,400 # D3 }* v: @6 r9 {4 t 78.1 -4.7 2.0 + W. a; @! b/ M 62.6 % Q8 S- @; W: v1 h Ottawa 350,600 : S6 H& j4 R0 w' w" X 4.8 86,600 40.5 - @( l6 `# Q7 i6 U- X -2.5 0.0 2 n) P8 S8 ?: V+ d 39.1 Calgary # Y4 {! i. D% b+ T 410,500 ( B- P( k2 W6 N% I. L' L8 {1 v# i -1.0 . d5 p8 |6 [4 W 86,700 37.9 -2.3 -2.6 ' m% K# P" [! M$ B 40.3 0 R$ j  Z: ]4 m9 C& F# q Edmonton 362,500 * x6 j( i2 R7 Z( d9 A& L5 L8 s) M 1.2 ; c' i8 S" F9 Z5 S% p9 c( J 82,500 2 _/ |2 @% M: s& g" [. n5 } 37.0 / ?$ b. h, H: ^+ _ -1.9 7 c7 u( `! p- p6 f0 z. K -1.6 : e1 J1 W% _% C7 X$ y 37.0 Detached Bungalow " ?$ K: P. \5 T1 D" o! _ Average Price RBC Housing Affordability Measure - J+ P2 R% f- S' a  e7 o1 ? Region 5 u2 D3 c! n1 v+ G  b9 S; K Q3 2010 ($) Y/Y % ch. & q' f9 y( u5 e Qualifying Income ($) Q3 2010 - [2 [: [; W' Z  w Q3 2010 (%) 7 a; ^) ]( B/ T  i. E. D  I Q/Q Ppt. Ch. . H+ v' T' u! `. a/ P Y/Y 5 A4 V* i3 D# E: b4 yPpt. Ch. : s( |# h5 ]- w* A. J5 G Avg. since '85 (%) # [" Z9 w* o/ r Canada 325,300 7 A& @3 z7 z9 M+ f' N. r 6.8 ; {. @3 D6 s( w+ ~. z 72,500 ' G8 E2 F9 G: X; r- z3 C1 x. j 40.4 7 Y' `- L' i! q5 ?  ]$ q/ i -2.4 0.3 6 x; e& k3 Z2 f- I/ }: N 39.0 British Columbia 9 k; e% N2 H/ b2 N+ \6 R' e# W- W 544,700 4 f! `) o) d) D) n# m$ E 8.5 108,800 59.0 4 ~9 j5 C3 s9 j6 m' H -5.0 1.5 " {+ n- }# A8 `/ E 48.9 Alberta 340,500 . t  `7 A9 Y. d; B  m 2.9 74,400 ' o( d6 M4 z1 a/ r 32.5 ( C' E4 X" a+ ~2 ]6 ^7 K' j -1.8 -1.2 : D) g2 @9 Y% D. f) J9 S6 s: t$ N 36.1 - W7 {0 T7 Z! u: o* b( A) `/ M Saskatchewan 312,400 6.3 & m( s6 {9 T4 Q 70,900 ' M% B  G9 L% V& S) T 39.0 # E! F, \- F$ A2 y3 F7 w4 i% | -1.9 ; L, y) b* Z, w, {  M5 }; H$ ^ -0.8 36.6 * |8 b  x) \' N: ? Manitoba   M0 j% e# [% t, d7 I! N1 c8 @ 251,000 9.2 60,800 / p6 _" F, l% y- P- P 34.7 -1.4   W5 `. s, b+ e% S2 D9 H 1.1 36.8 Ontario 337,400 6.1 77,900 . K2 g+ W% r/ e; ^: z  F/ D2 x4 B 38.9 -2.2 0.2 , ~, I+ \2 d' ^3 I# ?- | 40.1 Quebec 2 L) }' D. m0 X9 |8 X8 S 221,600 # ^, e: \3 E/ }; Q, \ 9.3 7 g( S/ ~3 j% a% _. ~: ~" p 51,700 35.0 -1.4 , u0 H7 w3 v) K3 q) r 1.2 # Y9 h% F0 h0 {" X 32.9 Atlantic 196,600 2.3 48,200 31.4 ! Y" p' X. n# f2 _2 i -1.0 3 y' V$ a1 i1 a! a) ^: H! e -0.4 . H& [) J3 _2 R+ C7 z: m 31.6 9 T/ I3 j7 {! f Toronto 466,600 " e8 _" M# M- @* v  ^ 5.0 9 W7 [0 z1 t! h4 Z5 l; P1 C 101,100 47.2 % T0 w3 _/ L  u8 O! w+ c- C -3.0 -0.1 48.2 Montreal 271,100 9 i% m- e. V5 `  Z+ g2 A 11.8 6 q. {9 M$ D* {5 ^; }, N5 O4 o. ~ 61,600 ' m* }) F6 \7 v( v. o 41.7 0 |6 Y  W8 J* |2 y& y1 p% P$ a# f0 i -1.3 2.2 36.9 3 M8 R: N) K1 |) M* w7 Z0 _4 Z! u Vancouver 672,500 9.7 : ~; `5 T' B8 Y) P# f9 I 131,600 68.8 -5.4 2.4 , c8 {+ e3 [& z; O 57.3 Ottawa 340,800 3.4 1 p. y- g- U$ h$ I 81,800 $ D% F* e$ L. B, @ 38.2 / V$ B3 S- }; M) F& R0 u; v -2.9 -0.5 * n: D, N+ ?  u 36.6 . {8 L7 \3 h8 V+ D% t# ` Calgary 412,700 2.7 , c& [  I: Z5 Z& D. J 85,00 37.1 -2.0 # z( J$ y; z5 c1 H7 O) p -1.5 39.9 Edmonton # ]% \3 g5 P/ ?! c 322,900 ! ~" ]+ Y( L* q( q 5.4 72,900 32.7 -2.0 ! X8 w0 L# g( O9 y* U6 [5 d' ~ -0.5 5 V& h+ r' u9 [# N 33.9 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. 1 p' U- U. W: c( C. X

衣食住行

很有用的信息。
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hycao

今日议息结果如何？

年轻的心

不变

年轻的心

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* a4 d. |9 _% {# i0 Y快讯： Federal Government's Mortgage Insurance Changes
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: a. W# ?5 e8 [* k: V1 z5 {3 D2 Y" pThis 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:

Amortization period capped at 30 years
7 _& M. |9 p2 I- HReduction of government backing for home equity lines of credit
Maximum refinancing reduced to 85% from 90% LTV
. Y( E$ O! v9 [( F" CThere are no changes to down payment requirements as CAAMP recommended.
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- r4 B2 Y1 i- PCAAMP will continue to update members on any new developments.

For additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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