快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

: ?) p: _& t2 t4 s2 l2010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 4 P4 z2 S4 }# h / q; s3 [+ p# `9 S! Y, rBank Prime Lending Rate " r. t7 ]6 w4 {# c , l4 L6 i, T  |0 c September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada ( u3 s/ l- Y1 j8 \ * O! E7 I( ]$ u# Z7 ^9 O7 c 7 z) ~$ B7 U/ K& ^Conventional Mortgage - 5 Year Rate* 3 \4 a& h4 ^3 ~- `# x+ C: G . p2 A) U& y; `6 @0 s. ~ September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 4 d* l- k) |% v# e 5.44 % Source: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate / ~$ V' I8 j1 ^% O& x $ G% A/ L6 M+ L( ?4 ] US Federal Reserve Board Discount Rate 6 L( W: x5 c& Z/ s( v, } " g- P7 S  d: }3 m 6 Z; ?, m& r; m1 V) B! s September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date , e7 N3 Y: G3 D; h0 f+ fSource: US Federal Reserve ) [/ B5 \0 {. y* `' j3 q1 [ - E/ `0 z' K7 p' w6 ? 7 S6 B( [: H' n& M % U7 o1 v/ X: N' x/ I Exchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada " @) L& _0 @1 `/ ?% {; r 4 z% {* h- ~9 d $ O. \. q. J, a ) \/ e. s) n' K. W3 f6 L0 ~4 Y, S% \( @ 8 S8 M+ M) E+ Y8 G+ B3 AGovernment of Canada Bonds 2 K3 R* g2 f* v* s* o . [2 H+ V) o0 b0 U( Q* @; z . i1 }' q  E9 K' p Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1.21% 1.27% 1.39% 3 year Benchmark Bond Yield 1.59% 1.73% 1.94% 5 year Benchmark ) S! o5 n- L% q# S' vBond Yield 2.06% 2.20% 2.48% 10 year Benchmark 4 k1 x5 B% k+ W( ]: a; g/ Z  y* bBond Yield 2.89% 2.98% 3.19% 8 \4 B3 K' o7 L- u& _) E" R5 dSource: Bank of Canada ! S+ t4 h- O+ E9 E2 Z" N% z $ q  w) N( G( A6 I) H. x . l5 K: ^% p, U$ ]0 O* z) _ ' Y/ K8 V  @! i9 N' v" mTotal New Housing Starts (Seasonally adjusted and annualized) Province 5 p* ]% u' v. z7 U5 ^( D August   v2 J" P7 J+ N" Y* |2010   D1 R) c8 B7 `8 w& [% U August , x" T0 B( x4 h. ]+ a7 v8 z2009 September 7 T8 g# b, c6 d2010 3 N4 Q, I( O+ o! F  o1 G& S* ~ September 1 ~) K( {; Z% Y. L  J2009 October 6 X  V% h1 O+ r) \0 [: y  N2010 % z& s: \1 X+ K' Q, M5 f) b October 2009 Newfoundland/Labrador , y5 D+ v0 f1 U  s" J7 u4 A 3,500 ) U1 c5 T- U; R7 c1 @. m 2,400 6 h( g( b1 D: H) k; b2 }  z 3,100 / |, L6 F0 ?' Z0 f, y, y6 F 2,800 3,400 2,900 ! c8 s9 ^3 J8 Y4 g; k PEI , b5 M6 v- Y. B, V4 p0 V! ? 1,000 ' y! c$ m' ^" y1 ~ 1,000 & C; x/ ^7 o( }( j+ W* c' M7 W( C 500 700 0 y. N; h0 [3 D* `8 n' ?( X0 } 400 1 g* Y' h4 B/ G. x5 B; }& ], t& b 1,200 Nova Scotia 3,200 4,200 4,100 8 n' F: k7 V. Y+ e, `' O 4,500   s( Z: @; [9 {/ b2 d! e" B 4,700 4,000 , V4 w9 j# p" W% Q, w New Brunswick 5,100 % N/ [! D* C+ b" Z. c% T 3,700 2,400 5 L1 {+ R6 Z; [( }; k& i+ Y; M) w 2,900 4,900 3 P3 l4 r  z! J4 s( B5 b1 n" S 3,600 Quebec 48,300 6 u: Q7 f( w) B# f8 b; U2 ` 47,300 50,700 41,300 48,600 37,200 Ontario 64,800 44,200 % ]5 Y* \/ F* B0 o) Q" C 58,000 50,200 0 Y& j! y# |3 y; C& k 44,700 ( @' P, D6 k% V, r2 h  j 57,600 ( f* ]% {5 j7 Y Manitoba - Q9 q0 }2 t- t  f6 q! B 6,100 5,000 4,000 7 [. z) q2 o% X! Y: u 4,400   n0 R( Y* s# J( J 3,800 ! ]- l. t  _2 L! E! ` 4,200 Saskatchewan 7,700 ( Y( {: @8 e+ y( H- Z% ? 5,100 $ [( x- u! j1 b2 e5 y. C 5,400 5 _9 Z: f9 ?- ^. ?3 C 3,700 0 K( J" j4 U1 [; W2 G 4,700 ( a6 P2 ~; C+ j0 V 3,600 Alberta 23,500 4 X; k$ R8 K0 T% k* ]1 X 18,400 27,100 22,600 : u3 B6 [* Z& k! H6 K: P7 ]# g 25,200 25,000 British Columbia 27,800 19,200 29,700 16,200 7 t- Y: b; ]% h* c3 o5 _ 27,500 4 E- u6 S. p: R2 } 18,200 CANADA 7 r# X' `, |. a& D' F 191,000 - O: [/ d4 I; g4 Q. F 150,500 * @! D: j5 U. S& s5 s7 q/ M 185,000 ! d) t' x& E% @& P 149,300 7 Y$ K/ D$ l. f 167,900 ) D$ V. b  g6 u 157,400 / r7 e6 G3 K' d7 b) I0 F2 x 7 s' G( V! R# N3 `, @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. ( J! [: s' X: k. D! p2 y1 l; x Average MLS® Resale Price for Local Markets 2 v# T7 }' c! b 7 @# H1 ?# h& t8 e! U , c5 U) |$ p, f' l+ ` 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 " W: K2 i2 b7 q- L1 u 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 $343,747 . S6 U3 d, l+ GSource: Canadian Real Estate Association 7 X# h3 V: y7 [) t, f) B( C 7 }. C% T9 z( E9 _6 W + F- O' i- H! S4 N" ^/ J 8 P: C$ p4 ?1 [$ SQuarterly Housing Affordability Index Standard Two-Storey 8 e. t/ A; T& g9 U/ `0 k 5 R( V) z) o1 ^6 u- V7 W  |6 h7 L Average Price 8 x* p' B% E2 a. e9 a. I RBC Housing Affordability Measure ; Q5 ?  k! h$ K4 ]. n Region Q3 2010   D: |$ f% ?9 V($) Y/Y " G# U" d+ P+ M  J6 F% ch.   R/ b' i, ^6 ^0 v& B, R8 e' B8 T Qualifying Income ($) & J2 G. d2 t0 P# I: P( MQ3 2010 Q3 2010 (%) ( B4 x9 f/ a! G; ~" j+ ] Q/Q Ppt. Ch. * o( n9 D5 T& ]$ y3 Q Y/Y 6 J/ \  g2 D: L8 u* t/ iPpt. Ch. . a$ _( r; f5 e9 ]5 q- o% t Avg. since - K7 ]% P4 l0 Y4 s9 y) g* R) {'85 (%) Canada . x/ X2 e" b! n. I! ]8 T  Y 370,700 6.3 83,100 46.3 -2.5 6 e1 \4 H' i& W& ^ 0.3 43.3 # s& }$ ~* }* q( D2 S British Columbia 624,800 + w  i+ W& t( S: e 8.0 124,500 67.5 -3.9 $ t/ O/ B8 h' g5 C8 p7 i( Q 1.4 54.1 Alberta ( q$ m8 K! x3 H# l 365,600 0.1 0 Y( O8 ?! C  j& D" Z5 g3 k 81,400 3 X' M5 J  U. h  K, o 35.6 * M# x' M# p, k6 h' f+ C( a3 X7 K -1.8 -2.0 38.6 3 u3 |; M. z& c. V2 ^# ^/ o Saskatchewan % ^1 x1 J4 ]- b& u1 h 315,300 ! ^: ]- q# [2 j3 R& @' n 5.1 74,100 40.8 -2.2 -1.1 4 w" i& P- Y% a3 g 38.0 Manitoba 269,700 7.8 & I* i& c0 m  a3 g 65,000 37.1 6 X! l& j& Z$ p" e1 } -2.3 " Y4 c" Y2 w8 i 0.8 37.7 - T" D4 r: L& h* m3 g Ontario 8 a4 J. u" r* v! {% V 388,200 6.2 89,800 44.9 -2.4 ; t3 p: K+ C2 C; h; v& b$ l& { 0.4 43.7 Quebec ( t0 [! u2 c  p9 K  W0 P 262,100 8.6 0 ?! L/ ^( g7 o4 h 61,700 " p* v5 F  ?4 i2 u; X 41.7 4 f- a8 t/ }" G9 L1 D -1.8 : W( G( S6 @3 ~/ m4 s) i 1.3 6 b: H' r3 x' k  f( t1 \8 h 38.8 ; ^/ _& |- q$ @& }6 G  M6 I Atlantic 222,100 4.3 55,900 ; h+ V, `- f  n$ [, G 36.5 7 x0 K2 g& \" l) W9 h4 f -1.4 0.1 38.0 5 `4 @8 k) L% N) Z Toronto ; @. W1 g( Z; k7 P. l: i% o 554,700 5.6 6 V$ ~- k" g+ X" _! ?) s/ s 120,400 56.2 , b3 }0 V  e. A2 B* }: a" c. O -3.8 + T+ _& L2 E6 }! ^6 C6 s 0.1 53.4 Montreal - \+ g3 z3 u9 a. L& a8 }+ M6 e 335,300 ! V, h# v5 t7 ^4 X, I+ ~5 M 8.9 " L& J  v9 e) s' F 75,800 ! j9 u0 Y3 V8 b8 X- q# k 51.3 -1.7 & `) F0 p' c5 C1 j8 T$ N0 H 1.7 3 C7 b7 ?  L2 `. S) a" C/ u 41.7 ) ?. ~3 _  q( }4 `  ^ Vancouver 1 \2 d. B- B2 m5 H8 ]$ i. Z 766,300 $ A- t1 ~4 y3 n4 |4 R% M5 S 8.4 149,400 & X8 g' j4 A$ G7 }5 M3 f- h4 I 78.1 # _3 Y# Q$ V3 l5 u -4.7 2.0 0 |& e( z; ]/ U: h/ K( v 62.6 Ottawa 350,600 4.8 86,600 5 q+ W+ `! a0 K  m# U 40.5 ! w( O' o' u4 n: l: k -2.5 0.0 6 C: J5 f. \3 n2 n  Y 39.1 Calgary + M8 A( w8 d& H& C$ o  z 410,500 , o5 L& A8 ?( @( t -1.0 86,700 # [; R2 ]- @2 I" S4 {& @$ V 37.9 ! B# |4 s, V  H -2.3 / N0 @. t, j8 H -2.6 40.3 Edmonton 362,500 1.2 : \- _( E. m( T: t+ L 82,500 37.0 $ x, V* I5 ]4 Z8 k -1.9 ' z/ ~# O* L# r* j -1.6 * M' Z7 I0 ]- i& | 37.0 . [! ?% l: z" z  n. V/ ? 5 R4 i4 H7 F( c( A# h Detached Bungalow Average Price * J# o5 `; y7 S! s$ i3 Y RBC Housing Affordability Measure , e2 J. |+ _4 d! B) { Region Q3 2010 . E, Q. r7 m8 r($) Y/Y % ch. . H- K% h/ w8 [- l  d. t Qualifying 0 t8 V3 h) ~" l0 B/ @2 [& E! t- EIncome ($) ( l6 r9 D8 x0 r8 {Q3 2010 * v$ X; p# g  q Q3 2010 (%) Q/Q Ppt. Ch. Y/Y Ppt. Ch. 6 S- e7 e4 R* a: Y, k- F) q Avg. since . O5 a5 g9 ^$ e+ ~. x3 t6 t'85 (%) Canada 4 y3 b/ R1 y, I* X; f2 _. ~/ @0 U 325,300 6.8 72,500 40.4 * d+ t' t5 X: L+ p2 [$ K -2.4 7 t3 |* K% Z$ s4 | 0.3 * t" R! w* d* B: x 39.0 ; ~' i# q7 l, x( K% T+ R) n British Columbia 544,700 " ~8 \4 g: {- }! v4 [: R7 a3 o 8.5   C- y" [' F% h2 i/ r! A+ P 108,800 / |) V; }% }# ]+ _; W6 H 59.0 # x$ O5 H4 e2 v. d: x" Z -5.0 % p7 l8 D+ n( |4 M  K 1.5 & ~5 B/ D  I' t( g9 G 48.9 4 f2 S+ J" W$ I7 k. h- j Alberta 340,500 2.9 + l1 u: V6 f% W. {5 m" c1 x 74,400 32.5 2 v; c8 M1 w- b, S# p -1.8 -1.2 * |* ~" h0 ~6 N+ H: | 36.1 ) k! I( Z& t5 i, c; F4 `+ A. S- G$ L, G Saskatchewan 312,400 / m) o! ^+ ]2 x/ i1 Z0 b( X 6.3 9 z$ `0 Y( G  Z5 s# j 70,900 39.0 -1.9 -0.8 36.6 Manitoba 251,000 ( n: r$ W4 K, X 9.2 60,800 7 K) ?0 {. V$ E: } 34.7 4 Q/ P6 B: y7 Z/ Y+ Q -1.4 1.1 36.8 9 m8 E* Q  g$ m& M) @0 t Ontario 337,400 ; b# x7 L- ^2 p 6.1 77,900 4 O) t: X* ~5 k/ ]5 y1 A) d 38.9 -2.2 8 U1 o1 l4 b4 L/ Z) l& K 0.2 & H0 ]& P8 s  _$ h2 X% x! V6 O 40.1 Quebec + q4 Y, {9 `& z: V; g, L 221,600 9.3 & Z" q* k" H7 l. _+ |2 W2 s) V$ V  H 51,700 - Y- d& k9 f7 @/ T4 V& L 35.0 -1.4 1.2 8 U2 V* V, _3 I 32.9 Atlantic 196,600 7 @5 t0 l  R( K& [) `1 ^ 2.3 : S8 I+ N" F" m. m# z 48,200 31.4   [0 X1 E' B  F) o1 s: M) Z6 J+ B -1.0 ; C- q, q6 c* J7 p% E' h( ?, W& v -0.4 31.6 9 P3 Y  L: z" v9 L Toronto 466,600 6 l/ J, A; D' v0 @/ I# `( d9 D) { 5.0 101,100 47.2 -3.0 -0.1 48.2 Montreal 271,100 11.8 3 G9 }. ~4 y. V( e2 n 61,600 41.7   m# N! r# @0 q' Z" ~ -1.3 1 g  T/ V4 p1 I; m+ [ 2.2 8 }6 }) D1 S# C+ W# T8 _- {5 M 36.9 ' c& U: M1 x4 D0 z- ~ Vancouver - U3 f4 i  x# p2 b) q 672,500 9.7 131,600 6 b, K1 L4 T) \( L( Y7 }! x 68.8 -5.4 5 M6 F& r1 k/ \7 P 2.4 57.3 Ottawa # M$ r8 s/ d9 K, C 340,800 ' @7 Q2 [; Z. u- ]- J 3.4 - j: @& |  H2 X 81,800 ! A4 ?" L& d1 d9 \4 p' P 38.2 -2.9 5 k2 ?, W7 D% I5 s! H2 `( ?# X -0.5 36.6 Calgary 412,700 5 F( M; ]! g# b% D- ]% I% F/ A 2.7 85,00 4 p' A& u1 |- t" V- p! G  h 37.1 5 }6 I! O" ?) I) L7 X4 Y( L -2.0 7 Y" B6 b6 z) o3 L9 U -1.5 39.9 Edmonton 4 }* p  }& x5 m9 d 322,900 ; ?+ K$ }* O1 x 5.4 : {. U* w7 t& \0 _5 U. N 72,900 9 k5 n' E' c5 m7 u9 D 32.7 -2.0 -0.5   W9 @! W% q! e8 q" V 33.9 6 v8 c- O# w* t3 r7 i . n8 R; S2 l$ @. mSource: 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. , V- J1 j6 b7 \+ Y* @6 l  R7 E8 i + E0 \% A9 I5 f/ r& i" ~

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年轻的心

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年轻的心

( E  |1 p. ~5 @7 ?快讯： Federal Government's Mortgage Insurance Changes

7 d7 v* j% R- G6 l9 q4 XThis morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     

6 E6 [* H% \1 U$ NThese measures include:

  ]9 d2 s4 H- XAmortization period capped at 30 years
) X5 Y) y& r% i2 R' I4 D$ ]Reduction of government backing for home equity lines of credit
Maximum refinancing reduced to 85% from 90% LTV
$ C) W6 B" G9 y; d" t+ ]There are no changes to down payment requirements as CAAMP recommended.
* Y$ o: Z3 y' b3 Y
2 x" V( }3 K6 I4 ^* cCAAMP will continue to update members on any new developments.
9 A9 F# H7 c/ g7 q0 ~
7 E3 k, d! D" z2 i: JFor additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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