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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 ! J4 h4 M p& ~' U
% o7 x- n, [: qTuesday, November 25, 2008
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9 b7 N" q' V0 @" t8 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:/ J+ S4 X7 j) D# }
/ g$ T7 T% M1 A1 L2 T$ {$ q0 i5,250,000: The number of Canadian home owners with mortgages. 8 h* N$ ~4 c( L; n
29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. ) }' U# M+ S! h; d m6 T) _
86%: The percentage of people renewing or refinancing that stayed with their existing lender. - F. `( }- t, Y! y/ r" h
$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average. 9 G7 x8 D5 |# S% p
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%. & I. w; ]5 W! T
$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. 5 o' ^8 D+ V! K B# A
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. : S3 t5 Q: f+ l9 K
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%. 4 ?. w! g/ M8 {3 k' A( K! d
0.40%: The average interest rate improvement realized by people who refinanced in the past year. ( H5 {& T' a9 V# w3 _
1.59%: The average discount off of bank-posted rates. B1 `. n. h! \" t# g: d
1.96: The average number of quotes people get when shopping for a mortgage.
5 Y& O$ b7 W0 I5 d8 l* b# O0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year. , f& r- y4 S! w. B/ K
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. % j; V: ^, [ y0 b0 F) C1 X
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
0 V, D1 R2 O/ |. e" V1 [Peoples' favourite mortgage terms:
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1-3 years: 29% of borrowers % X6 S: V1 Y" y
4-5 year: 61% of borrowers
( ^3 _. Q+ R1 c' q% E9 rOver 5 years: 10% of borrowers
0 D" q q1 |. B$ y% E8 qCAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.
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" r4 E) h6 z+ O5 {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?% M% A- P$ P7 y: D5 ^; t" E
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Major banks: 47% ) \, S$ h+ Y6 m) g/ p, C+ U( [7 e/ y
Mortgage brokers: 35%
6 p Q0 E5 q# w% O' J( `+ `Credit Unions: 11%
' @# n& s8 G; g$ {Other: 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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