快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

, v3 y) W8 R# M! O2010年12月

Bank of Canada Interest Rate ) [8 `9 q# t9 G! `+ U September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada Bank Prime Lending Rate ! T/ ^. D% a& W1 X7 ~7 ? September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada 7 J6 ?0 w! I: s8 { 8 O6 n4 l. _& a9 Z: k) ?1 [8 ` 2 }) S- M, U1 a* g. U7 S : S5 [+ _2 ^4 L' n$ mConventional Mortgage - 5 Year Rate* . |6 S$ c+ I  ]/ a0 v9 h8 A 8 H) c% D  L- \& q, W 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 $ R7 M% D1 U/ Q5 u' A$ A- U  \ US Federal Reserve Board Discount Rate September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date Source: US Federal Reserve $ i/ D$ |) x! b7 u  {$ u   ^- k0 }( L+ {* Y0 O; F1 _ ) x8 U$ l9 b! j4 X" \6 X 9 Z( F( \! U  a  B 0 [6 Q. f- k& }( X. X* T2 @6 P + V+ c& ]% o' S! S! Q- z2 Q* ~Exchange Rate $CDN($US) # @1 ~" t) S2 j4 R. K! f1 S October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada 2 N& O" _! d! i0 N ! l( h& W! t. {5 JGovernment of Canada Bonds Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill * U6 B/ n1 ?" q1 Q* P+ H" | 1.21% 0 |9 _( [" A% X; i" ^' G( d 1.27% 1.39% 3 year Benchmark $ G9 I) }' V' ^4 f, CBond Yield 1.59% 1.73% 1.94% 5 year Benchmark 8 @8 {- s. U' c2 _Bond Yield 2.06% 2.20% 2.48% 10 year Benchmark " A8 P+ G5 C$ x. O) L1 FBond Yield 2.89% 2.98% 3.19% Source: Bank of Canada 1 }+ P0 D/ X) F: K  {; ^, \* a ) X( O! V" d, x 6 t4 x- k8 a8 @, |1 Q/ w( PTotal New Housing Starts (Seasonally adjusted and annualized) . O( T, }8 c% o6 u( H* D& j" L8 F Province August 2010 ! k+ G( p% n3 Y% S5 ?+ W August 2009 : O0 G  p5 O8 M! Q September + o8 Y% `! d: K# e, a- y) |2010 # T2 q$ q% d9 c0 c6 Q  a September ) f, n" d0 z7 A6 }+ ^$ _& o( K2009 October , g6 I' E! A3 D9 O2010 October 2009 ) `* c0 A; G6 d* n7 l( { Newfoundland/Labrador " m2 a# {0 @- A" i; ?. G" {8 O 3,500 2,400 3,100 ! q0 y7 |5 U) k 2,800 - n8 g3 A- z. o) q# ^  ~6 [ 3,400 2,900 PEI 1,000 1,000 500 : F+ `8 h  v2 W" Z 700 400 1,200 8 W) J# H5 d+ H  V, s! \' X; [ Nova Scotia   q) G6 H* G6 P; f 3,200 ) j7 |7 O4 j1 p0 W7 j 4,200 4,100 / P& D$ M( `6 m0 D: H2 F; I 4,500 4,700 4,000 7 j" t# B" w0 h, M6 T New Brunswick 5,100 3,700   q/ ~& r5 L, P& J 2,400   V6 v& J" P5 _8 i  t! ?( ? 2,900 4,900 3,600 Quebec 48,300 ' R) X2 k. l3 E 47,300 50,700 41,300 8 X! R# h$ T5 ~5 v 48,600 37,200 Ontario 64,800 " i. v% o# ], ^( v, |$ Y 44,200 58,000 7 w0 `. E5 n  G& E+ H0 x 50,200 44,700 57,600 Manitoba ! P  f5 W% a; Q% S 6,100   u- M+ M3 \$ K5 a 5,000 4,000 4,400 ) h1 i  t$ ]0 Q, F4 @ 3,800 4,200 Saskatchewan 7,700 # c2 f0 @! O8 E2 G 5,100 7 `8 V0 v& S! D0 h5 W0 j; Y 5,400 3,700 4,700 3,600 Alberta 4 q4 [. ]$ G3 G9 h! o+ W' S 23,500 3 k+ I: g( B4 r 18,400 27,100 ' ^8 u" N2 Q% z' F5 @- `7 N3 g 22,600 5 ^, l7 g5 C9 W 25,200 4 E- z+ }2 }' \6 Q$ i6 I, \2 M 25,000 " r0 I$ ]0 S1 I5 k6 O% x, o British Columbia ' G8 Z8 v" l" @% a3 h9 z 27,800 $ ]& k6 Q: D. M 19,200 1 Z+ X) a' R6 p: B: e# h! z 29,700 16,200 27,500 0 D5 P) v# ]& z 18,200 % s4 b2 M/ v- n CANADA 191,000 9 t% O9 g( u) {. J1 l. a. z 150,500 185,000 149,300 167,900 ! P9 L0 \6 f3 V% t8 P# c* v 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. 7 g; N; A( q* e( Q4 `% z . Z+ C! p: ~  D, L7 U# z  H 7 q" }4 V: s6 B% @" Z0 A ; k# z$ E9 \  j6 T: i4 O9 K ; a. y  r5 N$ V6 a1 I5 r2 R; R+ yAverage MLS® Resale Price for Local Markets 9 k) a# k. d2 y( x1 J . j$ w0 E$ x0 { 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 $343,747   j9 i5 m/ n) @7 L$ Q9 JSource: Canadian Real Estate Association ) W$ P  ]: A" i8 U' Z Quarterly Housing Affordability Index Standard Two-Storey ! [4 o, P; ?; f% _0 b6 J Average Price 5 ?& q! |, ^& O2 a5 p$ e: ^9 Z RBC Housing Affordability Measure / t" M4 S; b+ E2 J4 i Region Q3 2010 % f& r$ _7 |6 C. R$ c9 s($) + q0 b% U0 e1 U! R9 f% ?; k# P Y/Y % ch. : v+ s% X. }7 @7 [: C7 d% D. L& J Qualifying Income ($) / N- [2 b, b- ~Q3 2010 ( j! J; e. i# E0 ]+ X  s2 r! u# P Q3 2010 - n, {% S8 l  b: d; l/ t(%) Q/Q 2 s, B" z1 @# `3 `/ o; J) P! J( JPpt. Ch. Y/Y Ppt. Ch. 4 D% G0 h: r0 H' W% @ Avg. since '85 (%) 8 c/ `/ a! `( ]9 o* r Canada 370,700 6.3 9 Q* ?) a% h7 ?: I8 t% p& i 83,100 " s. @. d: f; V; B& I 46.3 8 R9 f6 N/ ?. @ -2.5 0.3 43.3 : C& I, I1 t7 `+ z# c British Columbia 624,800 8.0 9 \2 F% u/ R; c: f4 l 124,500 0 D. C, t3 J4 j! j7 W: C( {% ^ 67.5 -3.9 1.4 54.1 Alberta ) f" t( \$ v, C+ n 365,600 0.1 81,400 35.6 2 B0 p6 v( L; V) a9 N; o, L -1.8   `- V1 V/ G+ d  a+ O -2.0 38.6 Saskatchewan 315,300 . v* R. [7 Z" C# q( L 5.1 74,100 8 l4 P& ?5 a" ?6 \# O( c4 D# H 40.8 -2.2 9 o. m* u/ t) w -1.1 38.0 ) T' j/ B' C6 [- K4 z6 D' j+ I; P3 d+ P Manitoba $ S% s" {& G* P& O3 v, { 269,700 ! c) a2 v/ z. X/ h 7.8 65,000 ' u+ z' ^0 o$ \- \* ` 37.1 3 B* T5 @& G4 H- ] -2.3 0.8 37.7 1 t! n, O1 \( I6 o+ d. | Ontario 388,200 ' y5 p( Q  K. X  d) G8 x 6.2 9 y+ s( a- a5 f9 L1 ^8 V 89,800 44.9 -2.4 8 U0 o, r  Z0 I' x5 |3 D 0.4 43.7 ' K% Z4 U7 d, {% w$ D6 c Quebec $ M1 x8 b- x2 H! x& I5 N0 p$ o 262,100 4 }9 G( `, G8 F9 H* m2 I6 h5 e3 ` 8.6 . d) Q- y4 o7 p" O* m- O" R 61,700 4 h6 V& v9 r8 ] 41.7 + m" v! D4 _! G -1.8 * j* [% A4 k& \( V# m9 H# S$ U# K" ] 1.3 - t9 }( ^5 j4 K; f 38.8 ) N5 y* K0 j& G) X Atlantic 222,100 - `) q. }2 O2 t 4.3 55,900 * E9 k2 v& y" n$ i' u# J$ E 36.5 ' W3 K; C- D8 |% E0 X# K- c  c -1.4 0.1 38.0 ' e: D! F" R" G# |9 a Toronto 554,700 5.6 ; t' i$ s2 Q3 P1 V/ Y( _# i 120,400 56.2 -3.8 & g+ _0 i$ _+ t6 m, v5 k: r2 g% {, Z 0.1 53.4 Montreal 335,300 8.9 75,800 / N# l( r4 ^  Q 51.3 * s# ^& x& I1 N% d1 @) \3 ?, C -1.7 8 C* P0 l/ S' d7 f. Y8 Q 1.7 41.7 ' F$ Q& @2 K$ x9 D( @ Vancouver 766,300 8.4 ' L! d# o5 K- K# P0 _5 F 149,400 78.1 -4.7 2 E) l/ O. {$ E. u" e" {1 u 2.0 % M; K$ J: u* S; S" I, p 62.6 / q8 c! @0 g) a+ n# X" d Ottawa # ~0 z6 |$ M, X" O' i" s 350,600 + G8 w; t! ?- c 4.8 6 Z3 U' ?! o5 v( {# C) R0 C* c% m 86,600 40.5 0 O5 b! w- P+ X -2.5 0.0 " a4 h: m% U; e: o6 u! b5 B 39.1 3 }& [0 K( Z0 |: g/ Q2 y# u Calgary 410,500 -1.0 6 g% \% N8 o# F! I/ u& C3 B 86,700 37.9 -2.3 / d3 M% J$ W) w5 D" Z: Q -2.6 40.3 , \( d- g, r: y2 c, X! m& L7 _ Edmonton ) {/ i) ^/ \4 y. P 362,500 1.2 : O2 m( C3 }$ I2 V' Z8 f: c/ D. e 82,500 - M; H9 ~( P4 i/ r 37.0 5 O4 a, _5 l- M5 m -1.9 -1.6 37.0 # r& u7 F$ k" b0 J9 D; }) x Detached Bungalow Average Price $ M& Y" t3 H0 l% G* Z' ~+ W1 e RBC Housing Affordability Measure * O1 p; o+ t- z7 S8 ~! r Region ! ~% ~2 Z' u8 _' S Q3 2010 , k$ S- O* O8 K($)   v* y" J7 p  [7 E4 ^% n Y/Y % ch. Qualifying . s' R2 y& Y. i0 g8 c0 |* N% nIncome ($) Q3 2010 6 B; C! m1 H( l' m( d* ]# r Q3 2010 ; V4 @8 `/ @4 }5 K  G(%) 4 q# c0 Q4 y; e$ I( U' x% L3 r* Z) O- q0 { Q/Q # k* v9 D1 W" k4 O( p2 v: M1 }: ~Ppt. Ch. Y/Y 6 A& {1 Q" Q4 J9 X4 ]9 sPpt. Ch. , d6 N0 K  [. Z! j8 B. ]$ Y, h Avg. since '85 (%) Canada / r- \! I9 W4 s1 S) @ 325,300 % s$ H* e& [0 s$ z& q 6.8 72,500 40.4 - u4 [0 ], g, U" W+ e8 v -2.4 " H* I) r. c5 y4 U 0.3 39.0 British Columbia 544,700 7 R% o$ B8 J+ f6 S 8.5 108,800   `2 i7 O! C4 {# O8 _* i 59.0 -5.0 1.5 ( Y2 {: M9 T6 w; M8 h 48.9 Alberta 340,500 1 E! W: M3 E2 J8 U( ?* z 2.9 7 U8 L# K  N9 F4 U4 X4 s 74,400 . f, N8 C2 i) ~' Q  O' A 32.5 ! J4 H6 U$ W/ B& x% V' _# F# D -1.8 -1.2 : \+ W# P/ J- N% w0 b  k 36.1 Saskatchewan 312,400 6.3 , B  ?" e) W+ a9 Q4 a4 F9 P 70,900 39.0 -1.9 -0.8 36.6 & p, h( \$ r5 V* U' P0 R Manitoba 251,000 * y0 o( I5 A7 a- W. c6 D# B 9.2 60,800 34.7 -1.4 1.1 36.8 Ontario 2 x0 ^' w9 F+ }6 U# e0 R 337,400 6.1 77,900 38.9 : W( g, D9 ~$ V -2.2 4 e# v  ~6 j' H- m) S) ~2 C 0.2 40.1 - P2 l. F, b/ v Quebec ) P* @8 D% w& p" ?7 a: Z0 v0 g$ A+ I 221,600 $ R; T& [7 j7 c/ C3 G; @1 D! v# G 9.3 51,700 35.0 $ M9 N. F! Z3 Z  e -1.4 8 N- k6 a9 y: b 1.2 32.9 Atlantic 196,600 2.3 48,200 31.4 / l% R; c+ u+ o9 Y/ T -1.0 -0.4 31.6 Toronto 466,600 5.0 101,100 9 \7 {& t2 ?* U5 a7 X) g7 l 47.2 ( s! C, {  Q8 @5 [ -3.0 ! }& \' T! E( {) m- I) {5 k -0.1 4 y4 F9 i4 x3 `1 M 48.2 Montreal / N! s; F' V, F 271,100 , U2 [, K! `3 M/ x 11.8 61,600 41.7 0 w% z& ]  {  C' H9 W -1.3 6 |3 Q# E( H3 e, q/ g7 n 2.2 ' U: @" L' f. e$ X- w 36.9 Vancouver 2 Z7 s3 w. E; _: E1 |7 d 672,500 9.7 6 t! I% n* [- V7 i! c 131,600 + I- J5 O' X. V0 `; k8 l( ~8 D 68.8 ( X3 F, h# K; I# F8 J -5.4 2.4 57.3 Ottawa 340,800 5 s( v% n( |1 R' t& a 3.4 81,800   r! x" Y1 n0 |6 G- R% @ 38.2 -2.9 , ?/ ]% r' |% L -0.5 . ?8 n6 I: }0 a& ^% I7 x 36.6 / }! t, m& k  S: K! b+ N Calgary 412,700 2.7 . m% c! |% C  l, F$ o7 F9 z2 A5 | 85,00 : l( Z: x* y2 W) Y" V 37.1 -2.0 / X/ ^- C( R9 O) V5 z# J -1.5 ; d( d+ q- y3 T9 j 39.9 Edmonton 322,900 5.4 * h/ ?1 h5 G0 Q& u- D 72,900 32.7 -2.0 # g' e# P' P2 Y9 r4 j -0.5 8 u: z# t0 V; s5 J0 ]4 S1 U! V 33.9 ) }6 \/ Q+ X/ z1 T- m- d 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. 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今日议息结果如何？

年轻的心

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年轻的心

; E( K! Z7 {1 r2 K  t" d  J  B快讯： Federal Government's Mortgage Insurance Changes

This morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     

5 L7 Q* C$ g5 n1 S" z, DThese measures include:
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Amortization period capped at 30 years
Reduction of government backing for home equity lines of credit
# a; h2 Y0 p5 L3 QMaximum 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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For additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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