快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

& c3 S. l- |" I
2010年12月

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 ) V6 f8 F, A) y0 M9 N% bBank Prime Lending Rate ( C9 a# t) r3 P# K September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date 4 N0 @- c2 j, t2 ~Source: Bank of Canada - e7 Q) ?8 V( _$ Z! a. r2 d 3 n! D1 J* }2 l 2 ?7 a9 |1 ^4 n3 [9 G+ Q0 P Conventional Mortgage - 5 Year Rate* 1 t( I# D9 B( @; o 8 T% I& Y# {# ~( R $ ~. V& n; o) T; Z- u September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 5.44 % . c7 U1 V/ a: g8 o/ ESource: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate 6 A* n; g; Y4 k7 L) S: i( [US Federal Reserve Board Discount Rate & ?9 I/ ]3 v5 ~+ J 8 o4 H0 B4 @% o6 {6 _) h3 H: { * l3 N, ?) u7 J0 b September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date Source: US Federal Reserve ( H# S- G: C8 L) p1 n   U2 m( U2 f. o7 G$ t Exchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 ; C7 c3 x7 y$ GSource: Bank of Canada ' E* H, M" t) y" t/ B; g Government of Canada Bonds % `8 F: f0 J. }1 q7 h( Z! k- C # W9 t+ z" e- s. ?* m Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill , D' w2 ^" K2 z+ t8 {9 J4 _. q% J& a 1.21% * P* O, m  d: D/ u 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% 4 A8 \/ P5 [' s' R+ j. ~7 _Source: Bank of Canada , X5 @1 m" E/ x, M0 b  f# i + w- X" O  T9 f* W# K . S5 K5 f5 f' H7 Q# P ! \6 {4 s  i! f6 _/ {. s  RTotal New Housing Starts (Seasonally adjusted and annualized) 5 V6 }# h. x) M" S# {# \, \* ` Province ( F% m# Y  e* D- Z' R; y; ] August 0 R6 y* `. ~' d3 j* J+ Y2010 August 2009 September % Y2 h% h) p1 T2 {/ y5 R- }. ^: d' V2010 September 2009 8 g; }, B/ W3 K7 k October : a" H7 c* E. e, _7 z) S2010 6 K) K; B3 W* S5 F October . [( E& @' v2 d2 p$ [0 C2009 # X: I2 j$ W( _' k6 u Newfoundland/Labrador 1 a, Y7 Q4 S- B) U: Z5 K- v 3,500 - u' [( s) Z4 P8 ~8 ^ 2,400 - H, H9 t6 A; f8 f& Y% u 3,100 : r5 P0 F7 h- k. k2 ^" n 2,800 4 N$ u2 f( T8 T1 n  ] 3,400 ' _* E% L$ h8 L2 [5 \+ _( o; P 2,900 ' n6 g0 S: o* D2 a2 @! Q  I PEI 3 O, t0 H4 Z- ?( \( g$ ~* ?, u 1,000 1,000 500 / z( o% g: Q( z& K- k& g$ L 700 # N4 `+ _2 f! {$ _6 ]; c 400 1,200 7 ?3 a0 L# J$ i Nova Scotia ! ?/ z0 x4 o) _" X8 J, v 3,200 4,200 4,100 - B& y5 l9 W* y# F" g4 y# C 4,500 4,700 - y' P$ S: i% G1 o 4,000 New Brunswick # a, f* i! G* k, g: o. A 5,100 6 M& l( `! }% W1 @' C  q 3,700 5 E* k# f% Z1 F4 K) t$ ? 2,400 2,900 4,900 3,600 Quebec 48,300 $ w3 ]9 t9 U/ f, `9 Z# i% ] 47,300 & L. `+ v$ j3 `* Z3 i: w$ ^) x 50,700 41,300 0 T/ ~1 S$ ]$ Z3 [! e 48,600 37,200 6 j7 r; |0 ?$ I2 \+ s6 A6 x Ontario # [2 U6 O3 G  _7 M. I" D 64,800 44,200 7 E6 Y4 l' F! X& Z: P( h 58,000 + b2 M! r1 L6 H 50,200 44,700 57,600 Manitoba . Q5 |  {( D  j6 F2 i 6,100 & G, k* A! y' c# ~0 _) P% F 5,000 4,000 : n4 r+ A6 r' ?8 f2 F% [2 u& t 4,400 3,800 % V" y/ W; W3 [ 4,200 ' U5 ~6 E" ?; z# k Saskatchewan + y7 P( T: C# a5 N9 P; s8 M 7,700 ! ?7 U1 A9 Q( ?. K9 V8 g 5,100 5,400 3,700 7 z$ l9 ^1 K7 t" o. D2 O 4,700 : w) m+ D* K" a  c6 t 3,600 % [4 n- U2 r5 n$ W! j$ j  X7 d" ? Alberta 6 q( [* F7 p, g% D 23,500 9 h# ]- B% p/ N2 v* ` 18,400 $ d3 f/ s/ r1 a" R 27,100 22,600 25,200 25,000 7 }' L- h) j; J9 R$ u3 o9 h British Columbia 5 k. R5 u9 r' g+ j/ @3 v: ?' F" b 27,800 - \5 e9 s1 O, ]- L  }0 X, A* S 19,200 # c; F6 a$ w4 R+ ^6 a$ ]8 y. i- t 29,700 3 J4 f4 L% l) w: N0 K7 m 16,200 27,500 % Y* x, t( Y, ]) C) A. V4 ?( S1 r1 V 18,200 * f" @% D1 E0 z CANADA 191,000 " [# G3 c; y1 }$ ?5 }/ D8 p 150,500 185,000 149,300 9 D2 @% J% \# Y) ~7 X5 g 167,900 157,400 ! K- |* f4 A2 S7 {, \ 7 M, Y- j( F9 w# J. S& RSource: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year. & m+ Y* s9 R$ Q# y4 C   g9 s3 ?1 o5 j% ?/ a ( d; ]1 z) Z, n9 ]% C2 T# U6 U3 z ; [3 d  ]/ }8 o+ R & R) q. @/ W. h9 u) lAverage MLS® Resale Price for Local Markets City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 ! L% w) u4 M' ?# R $165,032 Quebec $219,440 $246,918 Montreal $285,100 $309,638 Ottawa $320,561 $305,872 6 I2 e2 u) s4 e2 o4 n, ~ 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( X* O: a: Y" i* K5 T, R ) p& `9 A% `. ^, v : y2 w; G$ g. O! |% NQuarterly Housing Affordability Index 1 d* R1 _+ d/ O Standard Two-Storey 5 I9 W+ q6 q: v Average Price : A' O  m% R* x$ r& u: o : q/ o* C9 ^' e& ` RBC Housing Affordability Measure Region Q3 2010 ($) Y/Y % ch. / W7 S. c# X/ ~# d' H2 Q, t+ J Qualifying , E  b; F4 W9 c5 p; ?' n, cIncome ($) Q3 2010 Q3 2010 6 u, P& k1 N$ _9 c(%) Q/Q Ppt. Ch. + }2 v2 G, H! \7 o. c& l* {, ]: J/ g Y/Y Ppt. Ch. . W" v3 j- `3 ?" { Avg. since '85 (%) * l3 T5 O/ ]3 |2 w4 m! q- C( E Canada . _' D# y) Y7 H; q) V# [ 370,700 6.3 83,100 9 _* {( u5 @2 b( ?- e* w. f 46.3 / }- h6 g( U  {3 A5 o( t9 d0 v5 R -2.5 0.3 1 e6 |9 J0 ^1 m% `  G 43.3 British Columbia 624,800 ' w& w1 v+ Q7 d$ G1 e 8.0 $ x0 O4 d9 }7 l+ Y2 d- ? 124,500 67.5 -3.9 1.4 54.1 9 a* W4 C) a5 C' O( y2 K( f Alberta , G, S8 m0 y6 n: Q) A& H7 w  } 365,600 0.1 ; r7 n8 T) H) f# G$ O8 ^9 k 81,400   y8 J- o- p2 k, s; O 35.6 -1.8 ' S1 J  K; `. |4 V+ t8 | -2.0 38.6 Saskatchewan 315,300 ! c4 m7 T+ z  t2 k  n' Z- m 5.1 9 K* J7 l% K6 P# E 74,100 40.8 -2.2 -1.1 8 T8 H3 {, Q- _8 p4 }/ ~ 38.0 Manitoba 5 Z' j$ W: m7 C4 O% L* B 269,700 7.8 2 l/ R$ r  E& N/ q! |* g9 ` 65,000 37.1 -2.3 0.8 37.7 Ontario 388,200 $ i, M- n) c5 Q) I/ O 6.2 ! `; `0 u- B3 p1 R! D- O/ g2 f: i0 x$ ` 89,800 + k: ]& d2 s$ R6 p 44.9 7 F% p0 s8 \& M# ^3 r, v( O* U- Q -2.4 0.4 0 A( e* B, ]  L3 T' Q 43.7 Quebec / L* A# K6 `# A1 y, g; Q 262,100 8.6   f6 Q) u  `- v# V6 P 61,700 8 H+ F. D! p+ t3 X1 P! S( [ 41.7 -1.8 & m1 ^& r: K4 s" s& P/ v 1.3 $ e" ~" _: c* n, z" F 38.8 Atlantic 222,100 1 N8 B0 v8 J) x" n* t 4.3 " e* v, J  W& x/ { 55,900 36.5 0 E7 b2 e2 A8 U0 f" {5 h1 f/ ^ -1.4 0.1 38.0 Toronto 554,700 5.6 120,400 3 B) I' p. P! |/ T$ S 56.2 -3.8 0.1 53.4 Montreal 7 u" G: i* e* l8 p$ p7 O 335,300 8.9 75,800 . w8 }3 C7 s% f# R 51.3 -1.7 1.7 41.7 & i/ l& L( s' a9 P Vancouver 766,300 8.4 ! t9 e1 g; ?4 b1 y% D$ Y 149,400 , O( b) X# E3 w6 _4 \) {" v 78.1 -4.7 2.0 62.6 Ottawa ; @% H2 ^& q, p6 k7 l 350,600 4.8 86,600 40.5 ) F5 H, x2 C+ F3 u/ X -2.5 % U& P0 N- ^& u) R 0.0 0 Y! g$ L2 j& [0 j) d9 @ 39.1 , S) {$ S/ K' e8 a. Z Calgary 410,500 " T* |8 L! L3 n: M, Y! {. D -1.0 86,700 37.9 5 a0 U4 u( V# {8 l8 d -2.3 -2.6 & L% i* K" U# d5 w$ _ 40.3 9 E# v3 {+ l- `% y0 r Edmonton ( q# Z# n! d( f3 }: i  Q' m 362,500 1.2 82,500 " x+ j- y+ X  S' I& c! e; `; P' ` 37.0 -1.9 -1.6 1 G4 c/ `  R5 B" R! Q) ~" Y% ^ 37.0 " x" m# X3 Q9 \4 \) T/ r7 D# ` Detached Bungalow " P4 a2 G' }6 F/ [ Average Price $ Z1 ^: g8 j% E8 Z! ?  ^( n0 a RBC Housing Affordability Measure Region & T* P# c8 F: f# ]7 \6 z& R Q3 2010 6 }9 q0 m9 A/ y0 I($) % x8 ~4 f. s6 k$ l7 L Y/Y % ch. Qualifying 9 Z) d7 P- [/ n* tIncome ($) $ t6 U' L, V# W: ZQ3 2010 Q3 2010 (%) Q/Q 8 U! a+ e+ q1 d- m# W! T7 ]Ppt. Ch. 9 ?8 w! Y' b( `4 y. X Y/Y : @0 u4 @% v! D0 WPpt. Ch. Avg. since '85 (%) Canada ( H/ a1 o0 B' Z: l+ e$ u 325,300 * Z8 U+ X: x" `4 L9 T' i 6.8 8 N' e- ~6 U' e/ y! u 72,500 + w  }) o4 T0 l$ F- v% N( e- V 40.4 + W) _$ s) g  s7 P -2.4 0.3 - Q. l9 S* l5 _2 F+ y, W; P 39.0 # U7 X. w& N( {+ ]  `1 z British Columbia   G  E7 M% H% Q( |3 p" b8 O. D: S8 O+ n 544,700 8.5 108,800 59.0 -5.0 9 r# J* r& B4 Y6 P+ W 1.5 ; S" v$ }, J' P# U7 z 48.9 Alberta 340,500 2.9 4 @! [3 P) C( A. g" _, s) B* ^ 74,400 ! {9 A, p$ h$ _% e 32.5 - ^' g* K% I- o  D5 p7 a3 C, Z* M$ h -1.8 ' g) g* X" Q# W -1.2 36.1 Saskatchewan 8 j6 J5 O" a# E8 [3 F 312,400 $ i$ Q' `& L: K' {! L: }+ G: C 6.3 0 I4 N& {; ^. @' c4 t 70,900 39.0 + x+ Q- Z  K! a -1.9 % O+ u! p% ?0 _6 \" c -0.8 " w% `6 b$ H/ s1 [. { 36.6 Manitoba 251,000 4 B9 S, i! |8 h6 I 9.2 60,800 + U" \1 O6 C  k, G4 Z 34.7 -1.4 + p. \8 C3 l7 l 1.1 36.8 Ontario 8 |% t0 T4 _1 W7 k" f  k) W 337,400 6.1 1 n) M! q' H! f- w$ Q" v 77,900 " u/ z  G: y6 Z' a 38.9 ' X, u* p( B+ t7 F5 u4 k; o# ]$ U -2.2 8 w. [% i$ n1 y 0.2 40.1 Quebec 7 ^: r8 q# S  ~( G2 x% u" k 221,600 9.3 , r5 ?, f8 u8 k 51,700 35.0 -1.4 1.2 32.9 8 n3 x5 V, n' i8 t  m Atlantic 196,600 , X- d5 b+ _7 X& B 2.3 * a2 W  G8 F1 Z5 l0 x' {! i 48,200 6 ]5 R, r& V* p3 j 31.4 -1.0 + i! j. B7 R, K/ B9 m -0.4 31.6 ' H6 a. |; g9 Y# }6 Q Toronto 5 w3 i6 s" t  e  |* | 466,600 5.0 101,100 % E+ m- ]) i1 _- j: ?4 O6 F 47.2 -3.0 -0.1 48.2 ' `  i4 c$ X# g. p+ q6 ? Montreal / c' ^; {( Q4 D0 w) N% H/ P0 q 271,100 1 ~3 E' s" f2 A5 W( \* R, S2 o! C* l0 B 11.8 ; z8 H8 ?! A: t5 h& e% v1 d6 I 61,600 0 q5 E2 ?8 x% x% w) J 41.7 -1.3 2.2 36.9 Vancouver 5 a* A& P6 u. ~- b$ L" j0 i& U9 O 672,500 9.7 131,600 68.8 8 ], X& u9 h  p: U- A -5.4 # S, c3 m, I. s4 k3 l 2.4 - v1 N+ L: }& |4 T/ K. O( a3 C, x9 a 57.3 Ottawa + y0 E3 f! k# o 340,800 3.4 # v9 u6 r7 D( Q$ ^9 c 81,800 1 P/ s3 x: b+ V0 n! m9 [ 38.2 -2.9 -0.5 36.6 Calgary . b$ F0 M# t; E/ R. _9 z- | 412,700 2.7 85,00 37.1 6 k7 v1 {+ G/ q: z5 h6 U( Y -2.0 -1.5 , P& T, d& \8 g# r 39.9 Edmonton 1 f& x4 u2 }, f0 z" H6 G 322,900 + A3 L8 G6 q% F- i$ ? 5.4 8 c# }* s; M& S& n: B 72,900 32.7 , `  Z4 ~7 \: B& n# f& Z -2.0 8 v$ b% Z+ G- v- {8 B -0.5 . [, I( n( N: L, K: Z: e 33.9 ' w/ e' J8 ^6 g  f1 F : ~' G- j% T$ \( {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. * }: m# B6 ?1 i3 p. X' A5 b

衣食住行

很有用的信息。
: z% E( @& H( H! m支持！

uil

hycao

今日议息结果如何？

年轻的心

不变

年轻的心

快讯： Federal Government's Mortgage Insurance Changes
+ Q3 Q5 I- N4 N6 w
This morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     
8 u0 @1 t! n9 \& v& R9 _$ U
These measures include:

2 e0 x6 T7 P# l; `& \Amortization period capped at 30 years
Reduction of government backing for home equity lines of credit
- Q' A  L0 {# I% N5 {Maximum refinancing reduced to 85% from 90% LTV
There are no changes to down payment requirements as CAAMP recommended.

& v- l; X$ f/ z7 sCAAMP will continue to update members on any new developments.
, _9 V+ @  E# v0 C1 B
7 y$ m% W8 K  U! q' b/ N  q( bFor additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

kismet