快讯：Rate/Bonds/NewHouseStarts/...

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2010年12月
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Bank of Canada Interest Rate 3 z+ ^+ G' G" _; w  u9 N + p6 l% S% i6 t, J" R! l September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada # v" D( q  q8 b 3 N. X3 U) A8 T" r8 @- C Bank Prime Lending Rate / e( h0 s. s1 W6 C4 Q  e& ? September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada % B6 w5 V- w" \* k) I, f8 Q : J! b% E2 `  `1 p0 V7 l, u% kConventional Mortgage - 5 Year Rate* 6 L& P8 \8 K7 s( v2 i , K) V% J8 Q& U7 T1 }4 [ 2 ]0 O* S( `, ~( c) Z  ?& m. N- Y September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 5.44 % 3 r- E- ^& }; Y, ~# }7 T7 Y6 YSource: Bank of Canada 0 e% W. N. l$ z9 D0 z7 F) y*Determinant for high ratio mortgage variable qualifying rate & N9 W3 |; |! x3 l! o. X " S/ b" h. @% G ) e* [7 M. E+ y1 _ 2 t& T0 A! s1 T& DUS Federal Reserve Board Discount Rate 2 x1 ]: J: D& B* P 9 J" T6 B% b  q- f! X& Y7 ? September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date / S. e5 ~# t  s; ^* XSource: US Federal Reserve ! s; \1 a6 V+ k1 O* U+ L 1 f- }) m/ Y" ~ ( d2 b4 `4 R- k" r0 y3 e4 Y 1 I5 ]: ^7 l3 v , _- z" I# o5 r$ ?6 k' O, h. d; [Exchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 ) G" o8 ~: @7 {Source: Bank of Canada * Z1 N, `; i5 ]2 o1 f 2 w1 r! a1 ]' D8 x* a' X. n) i" i % F) i" F4 ^3 T( }: O: _Government of Canada Bonds ) F( y- G% P/ O9 |  d9 L) M" d9 y) ` Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1.21% & o- w4 g+ p( S! V. w' H 1.27% 1.39% 3 year Benchmark 4 I) G& f6 [- I3 yBond Yield 1.59% 1.73% 1.94% 5 year Benchmark Bond Yield 2.06% 2.20% 2.48% 10 year Benchmark - F! q" |2 A' K# _Bond Yield 2.89% 2.98% 3.19% 7 Z+ e4 i! o# a% s  ZSource: Bank of Canada * \) X1 m6 l: W. D9 b # ]+ H4 y' J2 G  D$ s9 X* f4 `Total New Housing Starts (Seasonally adjusted and annualized) % }. B7 `% t* b- I% b; ^ Province August / f' E9 z! `/ Q! x; N5 y2010 ( }+ F: ^6 q2 C+ v August , P/ Q% [8 X2 A5 M2009 September 3 P6 }. ~# ?6 [# r2010 6 F4 W# I, ]$ e) _: ?9 V8 T September 2009 / c! h! J  `( ^4 h/ w1 J) U October 2010 $ }2 J- `% p. U& C" p October 0 x2 G+ |7 R- ?" T% l# o, @2009 Newfoundland/Labrador 3,500 , i- |6 h0 p9 r/ O 2,400 7 a! L1 a# |6 O( P5 H( c, j# e) W$ t; k8 H 3,100 2,800 3,400 & p; w$ N6 I' ~' k 2,900 # `) ~6 g; M0 Q( S; B  N; ?0 C  i PEI 1,000 1,000 500 ! Z" Y0 q' `* H& D9 @( T 700 1 s, m9 p& E. }- _ 400 1,200 Nova Scotia   S1 ?8 G, H' b4 M4 J  p" @ 3,200 4,200 4,100 * z! T4 ], Y. Y' [' W3 k4 N7 M6 D 4,500 ; d) ~& K4 L1 ]. q 4,700 4,000 New Brunswick . q' C$ j( i# z0 T! w& v* x/ f 5,100 3,700 - S9 X3 N, ^! ], b" p# b' H$ l 2,400 1 R3 ]/ M# e/ W 2,900 4,900 9 u: s3 p5 K$ `2 v  I 3,600 Quebec ) a5 X* T7 [; w$ R 48,300 47,300 + \, E' A1 J1 h" n4 d- N+ ]; d8 Y7 K% r 50,700 # f! ~! t# w9 W$ d7 Y 41,300 * X% b8 |* f& v' r. U* K 48,600 37,200 Ontario & R0 e- t4 P5 ^0 W- A! ^  \( o: W 64,800 44,200 ( N' K" W4 A( ], W 58,000 $ l' W% V3 s5 b# u' J9 M& j. X 50,200 5 _. l/ l2 M  k( v$ k 44,700 57,600 9 Y9 e* L; e3 ?* C+ L$ F Manitoba 3 L: v# f, Z% W) O 6,100 5,000 ( u, Z( _$ P" X7 Z 4,000 , Y) p0 n& u+ p* v4 D7 T/ Q 4,400 ! K: r0 ], R: q. R 3,800 4,200 5 j% F# e# G! g/ K$ e9 X, \ Saskatchewan ! S3 [6 m" l5 f$ W$ _& Q- ^ 7,700 5,100   Z* {% u& o: t3 {0 y 5,400 ' Y' z9 _. u3 G# T* q 3,700 : `* \0 j; ?5 |5 d 4,700 0 W. z, A2 E3 L) c+ X 3,600 3 S+ Z- ]: u$ c# X) |9 A! ]. N" [ Alberta * d" A8 X/ n/ ]9 G% Z" Z1 R6 s 23,500 9 u, _3 b2 n0 [- o0 H: K0 W4 J 18,400 / ?1 a! [/ e* v3 m7 X 27,100 22,600 1 n+ u7 t! Z. k 25,200 " X% }0 \: c5 n2 o) ?- k0 a* Y& y 25,000 British Columbia 1 S  X- I4 J* {3 Q0 d9 y/ X 27,800 19,200 29,700 16,200 27,500 18,200 CANADA : K3 D: M! ]$ v# O 191,000 - a1 P6 s/ B: V. S! n, a& j 150,500 185,000 5 @0 @. q& j% A# z+ T; `" [ 149,300 167,900 157,400 4 q8 {$ _/ E1 t4 J5 b4 _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. 8 a# w" X3 R5 V + d8 y* D5 k/ J9 } ( {' N, C0 W" A4 Q1 O $ P; Q6 A. Z: K. g5 v3 t! E6 {$ kAverage MLS® Resale Price for Local Markets 9 D/ t8 ], S! V: ?9 h3 y8 b" X 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 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 $ ~5 r3 i. t) I$ J: T6 A+ vSource: Canadian Real Estate Association ; `9 [, O7 H& W4 w' o; t: u) e 5 t1 J. C! \- h" G 8 @+ I$ U% z1 P# i7 h% y ; Y+ Q5 b( E# dQuarterly Housing Affordability Index % |, Y9 Q$ j5 W( H) j% H) @: d Standard Two-Storey ' o- c, i0 j' f. [; \ 2 O, m, {4 w! H. E  W7 A! r( G% o: k' \ Average Price RBC Housing Affordability Measure Region " e1 y/ }$ O) l, j: ] Q3 2010 ($) / Q: U6 u; G& I) @3 ?1 m( I Y/Y % ch. Qualifying . p; E1 x/ r6 F5 E& O9 _5 t; O2 HIncome ($) 1 }9 A9 ]7 j' m. h8 Z5 F4 x( rQ3 2010 6 m" |) |, o7 B Q3 2010 ; X' P% c/ b7 w5 K- m) s0 D(%) " X+ @4 o' {/ I7 l+ }4 y3 k4 o2 \ Q/Q Ppt. Ch. ' L; }8 ^9 k/ |( K, v- Z& I4 p Y/Y ; W- U- m+ Z6 }1 k" V8 O+ mPpt. Ch. $ k% `* }; |/ ~' T9 E& { Avg. since '85 (%) : J' F5 O* Z% u2 @8 O Canada ; U7 f/ }- S/ c  u, }: F, u 370,700 6.3 83,100 ! K: ~) c+ d, U  S) N5 Z2 C  M 46.3 6 ^( |. g6 K" d/ u5 R' p2 h -2.5 ' |$ \+ S5 U! V/ r+ F8 Z4 } 0.3 9 u0 }/ }& [4 ?( G, ^2 h8 E0 }9 C3 ] 43.3 - B3 f1 b8 ?2 P) ?9 J7 P- q British Columbia 624,800 8.0 124,500 ! f$ j. m- b" b" a 67.5   F3 E/ V1 F! ]' k3 G, o -3.9 : x' K. F% k) s. x 1.4 54.1 0 K3 g* m! p1 }/ ]2 z) C8 Y: |' l Alberta 2 g* }- @! E0 D* C 365,600 $ M" t: M3 g6 @ 0.1 ( h" {$ V9 x7 n+ Z9 ], n 81,400 35.6 -1.8 - ~: k; |) l; X' s# F3 U' e! S -2.0 , L/ D% i- y- X0 U+ O' [ 38.6 Saskatchewan 315,300 5.1 74,100 40.8 -2.2 6 ~4 I, q3 m( y& J0 |4 i -1.1 & j1 x( X; q- M 38.0 & B  d# H- m8 ^7 E7 O Manitoba 269,700 ; ]2 O7 V3 P- H  Y1 T7 U& C5 M 7.8 ' M( O3 v6 t7 c2 R* P* v; I 65,000 - B; r- ?. e) {2 C- Z 37.1 -2.3 6 t1 u  O3 b8 o; F6 @7 u 0.8 & v8 C0 T  |3 m7 j/ e, e 37.7 Ontario ; e" v6 ~, n" v 388,200 6.2 4 J4 N3 K8 W& H' g 89,800 / O1 A- ~' ]; ]9 j5 o9 w& o 44.9 -2.4 0.4 43.7   H9 n6 h% F$ H6 l* c- i! z Quebec 262,100 0 Z2 N1 K, B7 M, j; Y, r6 i1 h 8.6 8 \* i- q3 w4 x 61,700 41.7 -1.8 0 ]. [" q( c+ Q 1.3 38.8 0 z3 V7 P. r; [: u# G; e, O Atlantic % a$ w" j' j  y- A 222,100 # ?# a5 i4 K3 \0 f9 t 4.3 & S5 y2 |6 O1 y2 F; v* T0 O 55,900 36.5   [4 j$ R% e2 k& `$ ~7 s: A -1.4 0.1 * I$ x3 W3 D. Z( E0 j* q! j% i: h8 f 38.0 ( r( B2 z( A5 e7 s Toronto 554,700 5.6 120,400 56.2 + G7 D$ b+ U$ e3 Z: { -3.8 ; y- q+ L& F  ?8 T( i* Q; g! ~- m' v0 M, ~ 0.1 3 Q; }& f; T; u 53.4 Montreal & n; c% Z2 f: a 335,300 5 d- p3 u' ^$ v" E' z 8.9 3 k  {. ^# q' w. L 75,800 6 X/ e+ X" U, Y 51.3 ( \9 q9 A- G0 D6 E  r& S9 k) v -1.7 / z, c. Z; p$ V8 V* p* `0 Y% h0 y 1.7   m2 a- j* {! W1 X. ]9 n+ \8 c 41.7 1 x" j$ u8 W6 C  p+ b Vancouver 766,300 2 ~( z, Y5 h1 D6 A2 u; E 8.4 4 @0 J- S% ~1 X5 ~ 149,400 78.1 -4.7 2.0 6 y$ `, v: R& Q 62.6 - A: t9 b' Y4 I$ l! d6 V Ottawa , `" c& B" K  {7 E" M6 x) O 350,600 4.8 $ W# `# M5 }2 R0 y! A9 t' ~% Z 86,600 40.5 & a( P. D1 ?5 F# ]8 _ -2.5 8 a  `) E& v3 X+ x 0.0 39.1 5 ~* j! g( G" n- ?# N1 q% d3 N: p Calgary 8 r) V; x" t5 I3 a0 h- j 410,500 -1.0 86,700 37.9 9 h( s9 J6 u0 j) k: ?, ~ -2.3 -2.6 . x9 i' L! U% u% w; |5 o5 l 40.3 Edmonton 362,500 ; W3 R+ E' N" u( n 1.2 0 K5 G8 |, V& i, S 82,500 37.0 -1.9 -1.6 37.0 7 j) x  e+ _3 ?/ ?$ [ Detached Bungalow % d  E, c( \# x1 m8 Y' f# F+ [ Average Price ( V& e! u7 z4 ]" l# w& A7 z4 c9 R * D+ X5 x9 O2 I RBC Housing Affordability Measure Region Q3 2010 " I5 f: [, i4 A: H- r8 Z($) Y/Y % ch. Qualifying Income ($) Q3 2010 # P* ]  l% w* m Q3 2010 (%) Q/Q Ppt. Ch. Y/Y : M" E9 q- p6 v: b% |Ppt. Ch. Avg. since '85 (%) 1 B8 I6 z& J( |. i. O" M Canada : f6 c0 S0 L0 v1 h2 ~, }" o 325,300 6.8 6 r$ |* y4 A( d$ V 72,500 40.4 , w! y; P) A7 ^; g5 A -2.4 0.3 39.0 British Columbia 544,700 , Q8 u( m& r1 K9 s/ o+ f4 {" O 8.5 8 H6 G) O* o+ W- r4 _$ C 108,800 59.0 -5.0 1.5 48.9 5 ~5 \/ _! B$ a* S1 y, {# `- K Alberta 340,500 " M; q( D# ]2 a9 N% X/ N 2.9 0 u/ D* d3 G; m, w2 _! V 74,400 32.5 ) O( B" z, L4 O, H5 r) T; n! f -1.8 9 g7 f/ ~0 _; t) Z% E) E! S8 _# V6 y -1.2 3 Z( f$ d: @+ V+ \ 36.1 ; F% W3 V4 I; `5 _& z Saskatchewan . [5 }8 _* ?, D5 }8 Z 312,400 % O. H, q1 N0 n$ y. n. ]& a 6.3 # A7 D9 ~, r' [& c! L. [2 K 70,900 1 ~8 T: H7 b3 E+ x/ e7 w" m 39.0 -1.9 * x; F; u/ w4 v -0.8 ) T+ u' Y; k$ D9 E! T. s9 v 36.6 Manitoba 9 _2 X2 N1 G- X/ z* @, O 251,000 / Y. r% |( h$ M. D" f. { 9.2 ( `7 L6 [4 {% J6 u8 z8 z0 R  S. h9 [ 60,800 34.7 -1.4 9 W5 F/ s1 T8 z5 w" }3 n 1.1 36.8 6 G" e1 X( O, D3 W3 D9 i6 W Ontario " O( E- A* W/ p$ P. q 337,400 6.1 77,900 38.9 -2.2 " b7 r. M3 E, D7 H- Y- R 0.2 ) p; Q9 u. x, D, v 40.1 Quebec 221,600 9.3 ' W) ?: f* p+ d) c 51,700 ' M* v" N! ~4 E# _% Z 35.0 8 p% ?" T5 y  E( _( F -1.4 1.2 2 `. P6 m5 T8 _) Q 32.9 Atlantic 196,600 ' ?  x. ?  D/ e8 H# p3 R 2.3 1 M0 `8 L5 K, c4 C 48,200 : V8 F- {- f( s/ x2 q( \ 31.4 -1.0 -0.4 31.6 7 ~& M/ J1 q* i6 h: Q5 y8 _2 L/ M Toronto 0 o3 [- G# [8 L4 v$ n 466,600 5.0 2 j) c! L: ]+ ]# J: Q 101,100 . {+ O/ W( r' Y 47.2 -3.0 ' w! t/ H0 w& z0 N, E: a4 l! ?3 Z -0.1 ; y2 h1 \$ U- o" @8 p* X& z6 W# a 48.2 , O' x+ Q5 C8 n5 y: S3 c Montreal 271,100 $ j' ~) @. _" ^7 ~# h: Z: u/ I 11.8 ; p, G3 X. N0 W5 s 61,600 41.7 ' R$ U% a; W$ P -1.3 % k5 e+ n: B: g4 [: g 2.2 6 b. {# A3 Y1 m2 V3 ~: O; ~$ e  v1 e 36.9 % {4 o- |- K( g Vancouver 1 }! C+ b: L: t" J8 N3 f 672,500 * {& V" z3 G8 _: m. P 9.7 8 h0 x8 ^* w* D  D( P7 M: \% o. l 131,600 68.8 -5.4 * b7 u! z% H" O9 I+ j 2.4 ! f7 o- d; l* L+ }/ D9 E 57.3 Ottawa - }6 q. _# B8 J2 a4 J$ {% y7 j 340,800 3.4 ) r& m. ]9 p( a4 }- z 81,800 * ]  }. f, N# c8 q  [! P8 O 38.2 -2.9 -0.5 9 i7 n6 E! L5 d+ @' w' D 36.6 # s8 N0 x! s$ h% u- E# H( { Calgary # ~% K. p' Q/ }% Z. n 412,700 2.7 # }* R/ m+ J  ]0 T' h 85,00 37.1 " V2 |2 ~+ n0 D- ` -2.0 ) g3 N' m: q3 ]) n8 W  v -1.5 , ^5 n$ Z) B/ }6 N* R- P$ ] 39.9 Edmonton 322,900 $ H8 A) a( w  @ 5.4 6 }1 J( A& M$ g5 X  u# u& I* \. {: g# W 72,900 32.7 ; A& X0 _8 i, z' v) [. J+ O2 ? -2.0 -0.5 33.9 , J+ _; d' R% B$ } ; E. i7 G1 x# D, e7 X$ ~ 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 t/ F; Z  h8 K; F

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很有用的信息。
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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

& B' n1 P3 H, ~' i/ P6 \5 oThis morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     

. G$ e% X: @+ `' C4 h9 r( RThese measures include:
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) ]. x6 |5 S1 e/ |" m8 W( BAmortization 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.
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CAAMP will continue to update members on any new developments.
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0 f- F/ {# Q! yFor additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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