 鲜花( 65)  鸡蛋( 0)
|
楼主 |
发表于 2008-11-25 15:19
|
显示全部楼层
Canada's Mortgage Market - CAAMP Report
Canada's Mortgage Market - CAAMP Report
3 W/ r( m4 M8 s 7 I% u9 O! e7 I6 {
Tuesday, November 25, 2008
. h! y% g! x" E2 W6 t
# i4 j* \+ p. E- e( W. @4 c$ o CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones:" H1 I9 L4 L( [
& J$ {2 ~. `4 z" l: X' t, |; w5,250,000: The number of Canadian home owners with mortgages.
8 p: \7 g7 F4 W1 P0 W0 b29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. , w$ J0 ?7 \4 g7 F8 l
86%: The percentage of people renewing or refinancing that stayed with their existing lender.
9 |- } K. m( [7 E6 b$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average.
; f; k( ~. i8 E$ }2 r: A2 U! p22%: 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 T' x3 b1 O, p+ [4 x2 ~$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation.
- B4 o7 t7 v& K! X50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years.
3 {% B# J. a& o2 C; |' {. S/ h, C5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
+ D S; `! h6 k! y- F& w& {0.40%: The average interest rate improvement realized by people who refinanced in the past year.
" }/ |3 O. n/ l" r4 P0 @, W$ M' P1.59%: The average discount off of bank-posted rates.
7 _- F# o2 X3 }& u+ E, n; ]1.96: The average number of quotes people get when shopping for a mortgage. 3 [& K7 X8 ^! r9 i1 u. E
0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year. 6 t. P( ]. G$ X: a
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009.
# j3 K C, y8 L, c& c36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
/ D" C0 ]8 T% p3 ]- q: D. ?( DPeoples' favourite mortgage terms:3 D9 t3 M; W' T$ h
; b( A2 p6 l! H* x2 E
1-3 years: 29% of borrowers 3 E6 F* E3 K# `% R/ ?, T4 J
4-5 year: 61% of borrowers
3 c: L: ^3 d; U4 q* o M. }Over 5 years: 10% of borrowers" I' r1 X8 r3 P* U/ {2 b t9 U
CAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.
) |4 s8 {5 T( ?1 t# m7 M% y) x2 j. _+ @! G
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.1 \4 v5 H6 {2 g4 |# s) S
" O: e7 f1 z. DWhere did people get their new mortgages this year?: j) t% K% T( X {! l' c1 ~
5 K c/ J" } b5 h
Major banks: 47%
0 H* `$ q0 r" r9 t7 l& N9 H" qMortgage brokers: 35% 1 e: v3 b2 }; k7 h: x$ s8 ?. I
Credit Unions: 11%
8 k1 j9 K# z3 q7 J) ?) A8 JOther: 6%
6 J7 \2 \* P d& [& F Q$ p7 l |
|
楼主: 郭森房贷
狗仔卡
发表于 2008-11-16 20:47
显身卡
