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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 ( E3 @/ `! Q+ A% K% T
* x* e! Z9 |% h6 I4 A3 GTuesday, November 25, 2008 / q( P2 A' {* U6 |6 D" @
1 `/ b5 b9 @; s4 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:; V% W( c7 [4 ^4 ^0 y D- |0 e
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5,250,000: The number of Canadian home owners with mortgages.
& T* j# x; j& [% q* k29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. / ~" j2 k7 J- d
86%: The percentage of people renewing or refinancing that stayed with their existing lender.
1 ^& t' z6 a/ J! @# `$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average. " d2 k" }+ t' v. {* U% |' \( A
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%.
2 A7 B# s; i+ a' ~$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. & w0 v( Y' ^7 ]2 t
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years.
9 k1 o5 g' P6 M- d1 F( N* Y, }* o5.41%: The average Canadian's mortgage rate. Last year it was 5.56%. 2 W! J8 b/ m2 I( s" u
0.40%: The average interest rate improvement realized by people who refinanced in the past year.
' ]$ B( {, @8 B: l5 c1.59%: The average discount off of bank-posted rates. , W! _) X9 D; u2 J3 c- |' c; ?
1.96: The average number of quotes people get when shopping for a mortgage.
9 N9 u+ s3 O [; b2 O. C$ G0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year. , q6 W& s: b7 e* P
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009.
# a, p0 i0 ^: z- {36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared. , j5 K5 y u4 J* X! K
Peoples' favourite mortgage terms:
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1-3 years: 29% of borrowers ( z, J* P: \2 i7 T; P2 x
4-5 year: 61% of borrowers
1 X' G. {# Z, O$ q8 |1 qOver 5 years: 10% of borrowers
& M7 j0 j+ d0 M) ^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.
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3 y9 j) b0 }3 s$ q; J- XWhere did people get their new mortgages this year?4 x) A% `/ s3 C7 F1 _' k5 F
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Major banks: 47% . Z! O. E+ A; \- a
Mortgage brokers: 35%
+ L' G: n' r5 ^; v- E/ N0 M' HCredit Unions: 11%
. A4 n4 s/ k2 VOther: 6%
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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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