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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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Tuesday, November 25, 2008 2 F4 b5 ~$ B! |" v8 J; B% A
0 B0 z3 v9 [4 W9 D e CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones: E8 ~3 H3 ?3 G
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5,250,000: The number of Canadian home owners with mortgages. 7 E8 ?0 D8 ]1 U! V+ O$ T6 c" ]. t
29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months.
7 k9 a$ \% }+ o86%: The percentage of people renewing or refinancing that stayed with their existing lender. 8 {. n8 E4 F$ _* u5 h
$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average.
/ J5 K5 G0 k, k D4 |; N22%: 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%.
" s, f* P- a0 e6 V1 b: k, b5 r" W$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation.
/ r& u. k/ q8 d$ v, D) \' q" J50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. |+ d" a- e% C3 j1 P
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%. / Q2 \7 \9 j9 c3 i5 u4 }5 _: T. N
0.40%: The average interest rate improvement realized by people who refinanced in the past year.
+ K! Z4 K+ C: P0 P5 h1.59%: The average discount off of bank-posted rates.
7 I% n. b. O7 ]4 \" F0 M4 C0 ^+ S1.96: The average number of quotes people get when shopping for a mortgage. 0 F7 p) a: O) v. y( _$ n. c# R: p( u6 D
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.
) Q( p% |$ ]# `1 H0 W+ R5 q10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009.
6 y o* p. O& |, o: W36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared. 9 s7 v, W2 v4 E' O9 U8 U O1 p5 |
Peoples' favourite mortgage terms:
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1-3 years: 29% of borrowers
) o) l( s6 E8 R1 N4-5 year: 61% of borrowers 3 h* W/ k: V% G& F. R6 o
Over 5 years: 10% of borrowers
( k/ u4 n# y. T1 L4 o/ z. ^CAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.
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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.9 }$ c5 h z) ^
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Where did people get their new mortgages this year?
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Major banks: 47%
/ _3 @$ |+ |3 |$ |Mortgage brokers: 35% " s( |. J# C0 g6 R8 ~
Credit Unions: 11% . V/ M, g3 j/ Y3 L7 z
Other: 6%4 Z' N8 t) _( a- k, k, f @
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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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