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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 7 P: o* T8 T, x: t$ ^7 H
3 R- W8 u- H/ i3 K7 n7 N CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones:5 B8 E/ y0 z7 z$ ]+ w
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5,250,000: The number of Canadian home owners with mortgages.
& I6 C* b+ Y. Z) L3 I; ?6 i29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months.
3 Q4 j9 ]; S. q; a86%: The percentage of people renewing or refinancing that stayed with their existing lender.
/ _. l* F s h, \" @1 ^$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average.
) A8 U _2 J1 h) D22%: 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%.
! w9 v4 g2 V0 L. h9 Z$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation.
+ n$ J: C9 S, K, R6 V50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. ! y; C( `; w3 F7 {& p
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%. ' r1 J3 L5 j7 n
0.40%: The average interest rate improvement realized by people who refinanced in the past year. ( J5 V# r# Q, i3 |# T8 Q# W
1.59%: The average discount off of bank-posted rates.
. Z7 x& y8 _6 ?5 i# a/ f/ i1.96: The average number of quotes people get when shopping for a mortgage. : m# Z* _5 o8 j0 _- P: q' v9 C. R
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 e- M3 v5 T" Q+ `4 O2 x
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009.
! j& H0 k8 f( x3 Y) e8 w, O N' c36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
, g: k$ \& c' i4 SPeoples' favourite mortgage terms:
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8 T! t* |6 e8 {3 W; o; C) u1-3 years: 29% of borrowers
* w' ~! _( m- D- \0 k* L) R9 ^4-5 year: 61% of borrowers
) {. K0 P, N) U- h# h ]Over 5 years: 10% of borrowers7 T1 E' f0 | l4 x' H
CAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.5 R: c# @& G" |- F$ C8 a3 z t
5 u" q% u4 ?! m( b& F. lThere'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.; ~, x6 J, s& _( e& m0 n3 {- d
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Where did people get their new mortgages this year?
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: R0 R2 U: @8 |2 bMajor banks: 47%
4 Y' K. r3 N" y! LMortgage brokers: 35% ) a+ M( d6 J7 t$ F4 J
Credit Unions: 11% ! m4 o9 z, k( ^9 |' V+ T+ w
Other: 6% l2 H9 Z2 k0 s/ B5 K
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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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