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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
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1 f+ U6 m) Y4 H& rTuesday, November 25, 2008 * ^. S" ]. _0 R3 U. s
5 a* ^, ~/ d4 z 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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( D9 u; B5 l* p3 z+ l9 _1 _& l% ^5,250,000: The number of Canadian home owners with mortgages. _ i* R8 z* r i; R( R! i; V+ k
29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. $ J+ p( o6 s) s! K @6 a
86%: The percentage of people renewing or refinancing that stayed with their existing lender. # |# t! k; x5 O; L. w" ?
$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average.
5 ? K6 a& C" o22%: The percentage of mortgagors who took equity out of their homes in the past 12 months. People are spending more because last year it was 17%. 9 O8 S, O7 x$ K% \ q
$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. , N5 L6 F8 J, z. X) r
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years.
( M' V8 `1 R* e7 }8 x G. F/ z0 }5.41%: The average Canadian's mortgage rate. Last year it was 5.56%. - S0 _% V' s( _1 Q4 ?
0.40%: The average interest rate improvement realized by people who refinanced in the past year.
0 U6 Y' h! R% h1.59%: The average discount off of bank-posted rates. - c6 h/ t# H. N" I( ~) b# q
1.96: The average number of quotes people get when shopping for a mortgage.
* j* L) b' O9 X- U/ @% `$ w0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year.
, ?- V) s t2 R6 J9 g/ K2 y10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009.
! o, L, o& ]' k1 U, k% M0 |36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared. ' y; w: A/ T% P7 G! Y& M
Peoples' favourite mortgage terms:
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3 B5 z0 _) Y5 G' W1-3 years: 29% of borrowers : R! f, k v# u- y2 R
4-5 year: 61% of borrowers & K6 R, C2 T: C: Y, z
Over 5 years: 10% of borrowers
1 m. W7 @$ m7 l* F+ y6 d" GCAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.# |" }9 z$ ~/ O) v; j
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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.+ ]* P8 C9 U A* l
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Where did people get their new mortgages this year?
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Major banks: 47%
: s- ~4 j) m6 F3 X3 q5 Y5 h5 VMortgage brokers: 35% 7 _0 e" \8 E$ N) r4 U
Credit Unions: 11% 1 ]2 c& B' \! e! ?# M/ ~
Other: 6%; @5 p: A3 A* c% @- X, S
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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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