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发表于 2008-11-25 15:19
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Canada's Mortgage Market - CAAMP Report
Canada's Mortgage Market - CAAMP Report ) U- r$ _: k4 F% {( B0 A- V
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Tuesday, November 25, 2008 7 P7 D# Y1 |0 C( @
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CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones:
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5,250,000: The number of Canadian home owners with mortgages.
/ l0 _" O) x0 @% Z P$ m4 R) F: a29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months.
5 O$ y& F& a. e& k3 l' f86%: The percentage of people renewing or refinancing that stayed with their existing lender.
! V k1 ?6 s4 {: V$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average.
1 S% h( V$ H$ v* F3 D( _22%: The percentage of mortgagors who took equity out of their homes in the past 12 months. People are spending more because last year it was 17%.
1 P6 E6 b+ t: L8 t& m6 ^$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation.
7 u9 A# {8 X+ k+ P9 |0 \, W n6 ^50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years.
7 a: k9 ?7 R/ c2 U1 p6 g5.41%: The average Canadian's mortgage rate. Last year it was 5.56%. 7 G1 H. z: m, Y7 w! e
0.40%: The average interest rate improvement realized by people who refinanced in the past year.
( S0 r P* e* K1.59%: The average discount off of bank-posted rates.
5 I) \/ I' w7 W# A" j! Y7 _/ y ?1.96: The average number of quotes people get when shopping for a mortgage.
9 f1 ^2 V+ e$ N c0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year.
) z; @, y9 Z6 h- n* ~10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. ' i: K% Y+ f5 B/ _% S
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
& l+ ~9 J0 l M, W1 D# `Peoples' favourite mortgage terms:
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1-3 years: 29% of borrowers
& x% h. [9 C% k6 C4-5 year: 61% of borrowers 7 _- z! Q/ m+ ~8 p4 V/ C
Over 5 years: 10% of borrowers
0 N" x; Z ~+ g3 q$ Z+ sCAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.
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3 Q, }, h* H& K" `There's also a big trend towards variable rates. 40% of mortgages were variable in the past year. In CAAMP's 2007 report the number was just 21%. CAAMP says that's because "consumers may be expecting interest rate reductions." We'd also like to think they're becoming more educated about the long-term advantage of variable rates.
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Where did people get their new mortgages this year?4 g" k; |1 ~$ x) D: Y/ Y/ A3 Q
2 y9 c* }# x' B; ?" x- x2 M6 T9 sMajor banks: 47%
, l; m4 Z6 C6 k& D: W- Y& P7 o MMortgage brokers: 35% ! p: D2 q6 N! Q% @7 F* K9 S% n
Credit Unions: 11% 7 h1 K% D( L8 t7 P
Other: 6%' ?6 P' }, j: m0 s# H y
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楼主: 郭森房贷
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发表于 2008-11-16 20:47
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