快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

2010年12月
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Bank of Canada Interest Rate September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada Bank Prime Lending Rate 3 x& h0 p2 ^; `$ A8 ~$ `. J& { 6 r  o0 x: Y2 w% B& _: e8 H September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date ( a% t( p' P2 G! t8 YSource: Bank of Canada - b" B3 f$ ]- O" R9 z5 D7 O - D" v/ [) Z* g$ X% v+ ]. f! a Conventional Mortgage - 5 Year Rate* September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 * Z( a! p' {7 C. g 5.44 % ) x+ r! Q8 \1 n7 E: X' B. sSource: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate , X* L+ s( P5 O% P) o5 } 8 R- Z2 w. Z: p1 c" | : W, C8 ^& `/ d9 p9 v  j # g+ W6 s2 x% |0 V: l" TUS Federal Reserve Board Discount Rate 7 k7 W: p6 t- S; d1 @% K# v ( T+ ^4 v; W6 z! K( m& D . V$ T8 B$ Z  U$ Q% P! G6 F September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date 9 |% u. F7 g( A% T6 c7 S$ C  lSource: US Federal Reserve 7 M) i# {' i$ | , q+ S5 x3 p  }) V # Y2 Q/ N* _1 x; E3 T6 E! |" O4 d7 r   W5 @: Q0 Y9 @. m# D9 C : y' \9 W- d9 u' d- bExchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 2 D! G) p$ w7 O( p( c; S0 [' V$ mSource: Bank of Canada 0 J, c5 N4 }. `% q4 M  I$ [ 2 l* M  M  s% V, o4 g1 WGovernment of Canada Bonds + u( q! y4 r: K: V5 D 2 K# g7 O6 j2 p9 l; x% o2 `; E/ { Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1.21% + Y, j" B9 ~1 @( v3 C8 I 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 Bond Yield 2.89% 2.98% 3.19% Source: Bank of Canada 9 z0 C9 I$ _0 X: Y1 n# J8 y( X$ V ) A8 K5 q" R5 o5 T # f& o3 U5 R. z. ~' o Total New Housing Starts (Seasonally adjusted and annualized) # X# T: v# d: x2 r: o6 Q; u! T  x Province August . l" ~, u  p* w6 R; i2010 August 8 E: T' v4 a- [  B' u2009 1 H, A4 ^: {. [, I- w September 2010 September 2009 October 2010 # ?5 O) Y- ~9 ^1 L# |, H1 z October 2009 ! h) \: I- X, s& g/ O$ }0 y5 w  P Newfoundland/Labrador 3,500   w# p: k% }! n 2,400 ' y4 X; D& p( y0 `. t 3,100 % v8 s6 j& D4 n- Z# W 2,800 3,400 " s- }/ P  Y8 m. _" @6 V 2,900 PEI 3 N% M0 |) B4 B3 e9 K" p 1,000 $ K2 p2 M/ Y- B# C$ a) T* V 1,000 500 0 p& Q% }- R( Y, E& F  ?! j 700 400 1,200 # u! Q5 P& x' q2 | Nova Scotia ! ?4 p/ ~% |6 V# ? 3,200 4,200 4,100 4,500 4,700 ' }4 a. Z# G4 C( d: }. o 4,000 New Brunswick 5,100 3,700 2,400 2,900 4,900 ; e) A- U% v2 ?! Y1 }0 J) _1 K3 ` 3,600 Quebec 48,300 47,300 50,700 41,300 $ }6 e) j/ v& _1 ]! T4 l& n 48,600 ; m4 z; n( h$ o4 }& b 37,200 3 ?4 @8 p( ]* g+ e, C6 z Ontario 64,800 44,200 ' j4 l' z! J9 e8 z: O 58,000 50,200 44,700 57,600 5 J& V! G* k3 C+ X! C: r) g Manitoba 6,100 5,000 ; z7 w- c( g/ {0 d# O$ J+ d& w 4,000 5 ^7 Q5 Z) ?* Q4 M" g* T* S" x* D 4,400 ( d0 u1 M% B' N8 O/ j) l( w0 Y 3,800 4,200 6 _% z( E9 z$ U' ?1 c- ]6 N Saskatchewan 7,700 5,100 % S! P0 }8 K! b2 _, t 5,400 3,700 1 F; y( W: R: X. o* N 4,700 3,600 ) ]% q3 `% y" C; x8 s0 s( q: r Alberta 23,500 18,400 $ @* {. I! s: }* Y1 @! h& o 27,100 22,600 8 t& z5 W7 F3 D8 @5 D. @! n" X* N! k# K 25,200 25,000 + `1 s  \3 u; r0 ?$ q9 Y" J& K British Columbia 7 J- T5 ^. V& F1 L  C' z( t 27,800 19,200 $ l; o# c9 h" R 29,700 8 w6 }5 Z& q& G" C 16,200 - `' k; k# ?7 ^ 27,500 18,200 2 ~4 w  I# ^% W2 @- s CANADA : C1 v4 d! t2 p  x! F3 S0 C0 @ 191,000 - t  Z* Y4 P2 d$ M+ L 150,500 185,000 3 R4 x' E/ y7 Y, G+ Z( K 149,300 - [& r2 x9 c/ Q; P 167,900 157,400 $ Z. P( [2 B# I" E8 S7 t 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. : _$ H0 P4 b! X3 Q0 Z* E5 j 7 ~9 l4 X9 j" Y4 x - i% c+ v3 v9 O- L- E; { 2 x' p9 `) j8 A( G$ OAverage MLS® Resale Price for Local Markets City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632   L. S) j4 \$ B, @+ X# l! U. W $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 $343,747 Source: Canadian Real Estate Association 3 g1 O, ~8 h9 V 8 x; Y0 a4 M0 ^. U4 W$ q1 Z 3 N, A0 w4 @; {: c2 u7 E0 ~, J  w Quarterly Housing Affordability Index Standard Two-Storey ! E! P6 A; f# o, E" p Average Price 0 F; p! c5 R9 g RBC Housing Affordability Measure 6 ?5 _9 z$ b& u7 J Region Q3 2010 " t( ^  Q; ^/ f9 s($) Y/Y % ch. ! R3 h) b5 a) y: H Qualifying Income ($) / [+ f/ T1 v* W; D4 F/ B# ~Q3 2010 Q3 2010 (%) + j3 C* h8 S1 ^6 H2 U Q/Q Ppt. Ch. / D6 X0 w9 I6 g% _+ I0 n6 M Y/Y Ppt. Ch. ; a$ ~5 x& H, Y( _2 Y( b0 ~ Avg. since '85 (%) 5 Y- E1 K5 @3 @0 E Canada # Z$ o5 q; k. s# L- ^' c 370,700 6.3 83,100 ; u7 C: }" q+ ~6 C 46.3 -2.5 0.3 0 a8 j  D1 s5 \$ t 43.3 British Columbia 624,800 5 a) m# ^! M1 p9 t$ q. \6 s 8.0 - r, {) X* l5 @- ]" F 124,500 , W2 R: @7 K3 A! `, g 67.5 -3.9 1.4 54.1 Alberta " j+ j" b; i8 B% r. D" n) { 365,600 0.1 81,400 35.6 -1.8 ) P: x* q% _* f" V6 d( d1 o# l# Q2 U -2.0 38.6 ( F9 `0 K0 y; t4 X  w9 g1 x Saskatchewan   u/ r) i0 o6 v/ U; J 315,300 5.1 74,100 40.8 -2.2 # I, S6 l1 A" Y2 A$ |: m -1.1 : b% c) n+ G% Y8 o; i% D 38.0 Manitoba 269,700 7.8 4 b4 g3 T5 V0 U: X 65,000   a7 ?- T4 e( Y0 h! U 37.1 & t& o. y( {1 L; N6 y" O -2.3 : X+ [0 n( H1 L. M4 W1 H# |+ |) ?) K/ R 0.8 $ u; X$ x: i4 @! Y! g2 h8 u 37.7 Ontario 6 |8 I( B5 O" z) @* H0 L% d2 P 388,200 8 W- g% J9 v& I4 n5 f2 H) S- W 6.2 89,800 44.9 -2.4 0 b0 p, B& K8 e2 v% [ 0.4 ) x, j+ {: b5 {+ i: ]  W- u9 O. y4 H5 Q 43.7 Quebec % w! F: ^0 S) Q( `+ D" U4 N7 t 262,100 3 u! L  Q* C# c. r4 a& i' @ 8.6 2 o# q5 g# G) r 61,700 $ [/ S& c# K3 `. ?" N$ u4 V7 r4 P: j* s( R 41.7 -1.8 1.3 38.8 ! Q# y: F' M  C Atlantic 222,100 4.3 55,900 1 O9 e5 T$ k( f" b( ?/ ]$ _ 36.5 -1.4 0.1 38.0 Toronto ! W9 W% V# l  ` 554,700 5.6 . G6 K! y2 L( L9 ` 120,400 # t/ e5 f% w8 U. A0 D" }3 ` 56.2 9 W5 z9 b0 |- q$ j$ u- U -3.8 1 s  @# v- j- @' r  N: _& J 0.1 53.4 3 Z  @( }- t2 n( w" g& \7 p Montreal 335,300 8.9 & k7 k3 ]' [. R3 | 75,800   S9 V' W% s. A 51.3 3 k9 }5 W$ `; d' F& I -1.7 4 B2 [: p$ E  x* x 1.7 41.7 4 I2 v+ M9 @7 q4 l Vancouver ; n% J# g! o( Q9 ?5 c/ f 766,300 8.4 0 U- O  A1 e- G# Q9 ` 149,400 - b0 c) L& n' R 78.1 " _7 U' A+ A# } -4.7 & M9 ^$ ?# k* T: `, ? 2.0 62.6 0 j& a# X$ I$ t+ A: w/ n! { Ottawa 350,600   A) G. l9 b9 y: }7 N 4.8 2 U6 Z8 ^0 S# l) h% V7 C 86,600 0 V- W3 r0 _5 e' q  E+ F* s- [ 40.5 2 u$ ~) s1 S6 b/ d* E8 x; \" Y -2.5 ( Q5 Q, \# Y5 K0 T+ j- _& x 0.0 39.1 Calgary + Q! N1 T8 q& I- X 410,500 -1.0 86,700 37.9 ( f9 c. R  l" P1 a' m# ] -2.3 -2.6 40.3 Edmonton 362,500 & P! I% I5 c. d% J2 x0 K 1.2 9 l: a4 z! z9 P* Z8 T- t+ ]4 f 82,500 ' T4 r! J* U" P: S 37.0 4 k: L) L; ^/ {8 `( O. N -1.9 -1.6 37.0 - H: d) ]: O4 p# V/ u5 V Detached Bungalow Average Price RBC Housing Affordability Measure Region Q3 2010 ($) 1 P3 q6 u8 b" P. L4 E Y/Y 6 I' S" S/ I, T/ }% ch. % d% \$ j7 l6 \+ W7 G- S Qualifying Income ($) 5 A0 H1 Y4 p3 r0 w; b6 }" iQ3 2010 : J8 z. E9 P3 @9 R  R Q3 2010 , g7 z, G+ h0 V(%) , e, y" I! |, u6 H" A Q/Q - ?* y; d3 Z3 P- V0 {8 x4 B( i; `Ppt. Ch. Y/Y Ppt. Ch. Avg. since '85 (%) Canada 325,300 : ]9 \( G5 b0 z/ d! {6 F& M 6.8 72,500 $ R9 \. P( x& Y4 H 40.4 $ K/ z; }2 ]6 G- z- G/ D2 s -2.4 0.3 39.0   l+ L) j6 B' o British Columbia 6 V5 ?* L2 x2 B) d( `1 z! l 544,700 , @& c7 l, e* m9 i 8.5 108,800 59.0 ) C9 s& L8 e8 C; {. w& O; U -5.0 1.5 48.9 Alberta 340,500 % b! N8 L" K! u$ G- c 2.9 $ v; Z7 ^2 l  t+ M 74,400 32.5 -1.8 -1.2 36.1 5 o4 k% X! D, t' j Saskatchewan 312,400 3 T/ ?% F6 Y! \! ~ 6.3 70,900 # I& z" U- E! ]5 b# k. C7 k5 U  I 39.0 -1.9 " c$ d) f3 O& a4 Q1 h; B -0.8 36.6 Manitoba 9 m/ x2 M" z" x: k- l" I 251,000 9.2 / z+ _0 }; c% ^# \8 F7 s5 A 60,800 34.7 , }3 W5 k' I. Z2 B( G3 Y2 U; C) _ -1.4 1.1 4 v2 x- O) j6 F9 m1 t  A/ T 36.8 Ontario , h* ]3 J1 A- T; [4 p9 o4 C 337,400 6.1 1 D6 e8 _& N# ^. K- u 77,900   J0 Y, v4 u$ p' F# h/ A/ S 38.9 -2.2 " J# i9 ]) \$ u: {$ m 0.2 7 Y# u1 C& I  ^* R/ a  p  Z* n 40.1 / {* ~0 n/ Z3 @ Quebec 221,600 9.3 51,700 ( a/ X+ G; E% u* x* K 35.0 -1.4 1.2 32.9 Atlantic 196,600 7 V$ u! {' m7 p+ x6 }4 v& W5 e 2.3 ! I' ]: ], a- k) D, p% ~  Y/ X# c 48,200 + l- q/ U% ^. ~, k+ M 31.4 -1.0 + v& Z3 ~1 L1 G& M4 ] -0.4 31.6 % j+ Q. g; Z5 ?, |1 S( {5 Z% {: K Toronto - i4 ~0 v! l. p  k) N 466,600 3 R; K  w6 m* W8 q5 R 5.0 101,100 47.2 -3.0 6 ^4 {/ i! E" D% \0 ~4 x! n' e -0.1 ; t7 f/ L, q# b 48.2 ! g, J9 e( ]6 [: x( C Montreal $ J0 _7 ]' |: r( \ 271,100 ! Q  A. O5 ?& ^5 b' I' Q# T 11.8 61,600 ( y8 _$ @1 t& R$ P" Q- u0 L" Z 41.7 6 P1 K5 z7 w) k -1.3 & [9 ~* u/ X8 o, w 2.2 36.9 Vancouver % P* T! d( e( O/ L 672,500 7 b6 v+ G: s" Q7 g2 a- ^. i" \ 9.7 3 S# _- T1 D+ _/ w8 T 131,600 6 i' V# W- K3 m1 v3 u( U) o2 M; x 68.8 -5.4 2.4 ; c6 v1 v  c0 U* ]# \ 57.3 Ottawa 340,800 - I# M# a, [; S1 q& _ 3.4 * B% N% X" T1 z+ q 81,800 38.2 -2.9 ) N" E6 x: k) w9 ^& | -0.5 36.6 6 @( ^8 @4 ^2 T) O2 Q- S4 Y* n2 {4 X Calgary 1 i$ ]0 j% S( @' Z1 X 412,700 7 s$ Z$ d/ n: _$ g' ]& C 2.7 ! {$ p  M6 k; a  [7 g7 v/ ?+ Z) ^8 a 85,00 37.1 -2.0 -1.5 39.9 & w  Q, j3 {' Z- d Edmonton 322,900 5.4 72,900 32.7 -2.0 * Z5 _6 @6 ^/ d1 w8 I -0.5 + a7 H) R; j3 _4 N* A2 h0 h 33.9 3 A  Z" s" |3 e/ U8 |$ m9 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. - B6 u" C9 y5 y/ c, S2 r1 o, }& `

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年轻的心

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年轻的心

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7 |1 I# l3 {. p; C; \快讯： Federal Government's Mortgage Insurance Changes
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This 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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+ ^# i8 H& P+ s, Q1 `1 z; g8 LThese measures include:

Amortization period capped at 30 years
7 ]- A6 k5 v0 EReduction of government backing for home equity lines of credit
! p6 V) A/ `0 M/ W4 `( WMaximum refinancing reduced to 85% from 90% LTV
7 r7 c  D  ?& k1 X- Y2 ^  `, a0 z) xThere are no changes to down payment requirements as CAAMP recommended.
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CAAMP will continue to update members on any new developments.
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  b% ~$ S, D, j# Y6 A! BFor additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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