快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

2010年12月

Bank of Canada Interest Rate * `+ e8 S6 o2 `  F6 J September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada , `: b; V- g  e+ \  E& } Bank Prime Lending Rate 8 ?, t# ^. @' Y. W September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada 5 I' O& J* s7 m7 n , O0 f$ K* B' m2 ]3 d* c5 v) x Conventional Mortgage - 5 Year Rate* September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 ! ^0 L3 W. _% K  B8 E, v( | 5.44 % Source: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate , X+ `* ^& v* b$ E* nUS Federal Reserve Board Discount Rate % A8 E3 y; H. [* o6 C % C; f$ ]1 }5 }  z( Q' R September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date Source: US Federal Reserve 2 q$ J8 a6 V' L/ U" Y3 a8 k   K/ D* ?7 ?: o5 V- F, L Exchange Rate $CDN($US) : I; n' b5 b  i; N* f/ N, v9 v" t October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada ' H9 F( H( u( o% A( ]5 P* W 7 M2 j$ y% E0 X4 E5 c Government of Canada Bonds $ A+ _( A$ I/ n; G$ H * }& z& g0 P2 } Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill + ^$ W* f1 u1 p" g7 d( x" q 1.21% ; Q" `% \( J3 z, ~  t1 x 1.27% 1.39% 3 year Benchmark , F& x3 h9 R% o. [) NBond Yield 1.59% 1.73% 1.94% 5 year Benchmark 5 y; M% d) X: x8 H8 m; a% C, q5 \Bond Yield 2.06% 2.20% 2.48% 10 year Benchmark % y2 U. |- T* C; G( XBond Yield 2.89% 2.98% 3.19% 5 G/ Q$ v6 |3 D+ z0 m0 w) KSource: Bank of Canada ' C' g, ~. \; C9 m- x ' }- V/ V8 f0 ^& V8 R/ @3 t: j( [ 6 K, a9 d! |! T& k 1 o. z0 u. N3 Q: sTotal New Housing Starts (Seasonally adjusted and annualized) Province ; N# X+ \. t; R+ N& v+ U2 u August 2010 1 t0 u1 T$ h, H; H/ y; n1 x August 2009 September " l+ c' e' |& [% W2010 7 w. R) g; o# x+ l- d2 i5 p7 S September 2009 ' _4 f5 g0 z% J  ?$ x0 h) G October 9 ^* V/ f7 H6 N, D  U& N2010 October 2009 Newfoundland/Labrador 2 w* k5 Y, a* h0 I2 K: b) k 3,500 2,400 3,100   n: U, U; |3 h2 ?. m. z) w 2,800 ; ]. A! T0 z9 H9 K) ]( N$ Z1 W# s/ x 3,400 2,900 PEI 1,000 1,000 : I6 ?" U! k; L. G/ I1 ^ 500 700 400 $ G# s5 k3 x+ F: d2 b4 l 1,200   p- z& w- F8 W3 r9 R! | Nova Scotia 3,200 . S( M7 \' ^+ x$ X/ T9 a 4,200 . S0 i+ s; {; K: Q9 P 4,100 / t7 U" b) N. [+ ^ 4,500 - {/ `) k2 J8 W- v9 ` 4,700 1 N, y( ?! `4 B- M 4,000 New Brunswick ( b( m9 r( N: ?) K 5,100 3,700 # o; ~9 N7 T# X5 c8 S7 F% m4 t 2,400 2,900 4,900 3 _  x( ~. D" Y  e% x& O 3,600 7 v1 S+ b& Q: Z! i7 \ Quebec " Z' W# U- I0 m8 T& i 48,300 47,300 50,700 ! G) F$ g0 a; J; t 41,300 48,600 37,200 + a  K; R1 l- v+ n Ontario 64,800 44,200 3 U9 c' n9 ]9 w( U, \, Q9 N 58,000 ; t6 `1 o: P. S8 H) y 50,200 44,700 57,600 9 f1 \* C6 J+ }, u  ` Manitoba   W& U. L0 R- b- y 6,100   q  m% ^$ r) m6 o1 u2 v, Q  v 5,000 4,000 5 v  f2 \7 N9 s' T% ^ 4,400 3,800 ; f% R' x: M1 A3 ] 4,200 Saskatchewan & G* Y! m% x/ r: l2 q3 J7 S$ P 7,700 5,100 * M8 S8 s' t0 {0 f 5,400 3,700 ! z# i1 o" b7 ^ 4,700 3,600 Alberta ( }5 ]: C/ v, ]% t; C 23,500 18,400 " C" o3 U6 s( R6 _" }. J 27,100 ( q$ X6 e  X; W- Z# u 22,600 ' Z: E% U, S% H6 h9 z1 h 25,200 25,000 British Columbia 8 [, ]. f5 K/ h3 X9 g 27,800 19,200 29,700 ' {: ^8 o: w+ ]& q, R! ~6 K( X 16,200 ; x! Z$ Z/ h4 A/ c 27,500 18,200 CANADA ) A; V7 D: p7 i 191,000 ' n& O# }% [. d 150,500 & x) c4 @7 c/ v+ h" k! I 185,000 149,300 167,900 157,400 5 G3 e3 Z/ ~4 u1 L3 G( M3 j! VSource: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year. / h* X! d9 b/ j2 T' V/ q8 F$ W/ O( ^1 A Average MLS® Resale Price for Local Markets ; Y  ]3 T2 Y; v " s. k  X+ w5 G5 d' V/ R- C' ~ City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 5 |$ G. L5 |/ W: E6 r* x $165,032 Quebec $219,440 $246,918 Montreal $285,100 $309,638 Ottawa $320,561 $305,872 Toronto $423,507 $443,633 Hamilton/Burlington $296,253 $305,872 Winnipeg $210,618 $229,467 Saskatoon $274,759 $293,929 Calgary $393,574 $399,679 Edmonton $351,768 $317,096 Vancouver $638,948 $707,207 Victoria $481,500 $343,747 / a  y: [! P* R0 \Source: Canadian Real Estate Association 2 J8 n+ X( `6 P' Q8 n ) [5 z& z+ X* l' H , Z- D. l9 v- o- z) k% L8 ] Quarterly Housing Affordability Index * v& x( T6 p* n# e- I  M1 m Standard Two-Storey # p, H1 }- D7 _4 w6 ^* T5 p Average Price   O) L% Y. f0 ^' M" G# u4 h/ y! U RBC Housing Affordability Measure Region 1 O' F4 F% f/ o. O  [( @  T- r, D Q3 2010 ($) 2 K# V* ]  r* E0 S4 \ Y/Y % ch. Qualifying % O- \, b' ?' B# t4 \3 k; b) aIncome ($) 7 r( v1 K& y0 ]/ wQ3 2010 3 J$ [+ j0 `4 N: M2 d" ~# W Q3 2010 # x9 s! X" U- ^(%) $ x- j$ J4 @* ?' W! N3 U1 G; M Q/Q Ppt. Ch. Y/Y Ppt. Ch.   @" n) a" ]  p" B* S Avg. since ' T% u# Q0 S9 R8 |9 g6 m8 b6 T: H'85 (%) Canada 370,700 6.3 83,100 46.3 -2.5 0.3 5 ]+ I: I) k" Q  Y 43.3 British Columbia ) a/ Y+ \  B5 f# z! [ 624,800 8.0 ' G0 G" B: X5 X8 a 124,500 67.5 -3.9 , f- \+ l+ L7 n, R 1.4 54.1 ; A$ W% f  @7 k Alberta 9 Q8 u1 \7 ]6 F7 \) O4 D1 l( ^ 365,600 0.1 81,400 ( e. C2 ?' Q4 b 35.6 -1.8 % p, C. g) X- j" E) P -2.0 38.6 1 w/ d8 p- l* J7 t5 I Saskatchewan 315,300 5.1 % q) u8 B% a9 }# B9 `6 a2 o7 N 74,100 # g. P6 K. q4 B6 z3 X; U 40.8 ( w& D5 d+ _8 O -2.2 + ^* }! X. t, v" I -1.1 2 P( A2 w' i9 [4 B: t- [' v 38.0 Manitoba ; B  r' q  r& u( Z& w' h9 F 269,700 7.8 ; C% k) R3 t8 @! Q6 y( f 65,000 37.1 -2.3 ( y) J$ `& G4 r) W* d 0.8 37.7 Ontario - G* z- e8 {5 j: ]. R 388,200 6.2 ; j/ F# x, {5 u2 v* m 89,800 * _6 Y. t" C$ r) L6 U& J 44.9 , u4 y" h6 I# \8 N1 b -2.4 4 L  A( z% v0 n" ~ 0.4 43.7 Quebec 262,100 8.6 61,700 41.7 -1.8 % |2 |% K( G& w6 M+ x. b6 Z$ d0 W  Q 1.3 ! S! ^, S+ z/ ~& E6 U 38.8 8 D. ^, i7 P: v/ w* n: E Atlantic 1 r1 G7 N# d& _* l8 B* `1 J 222,100 4.3 8 c! F  ?% V9 d0 v0 z5 v, h 55,900 36.5 . l. N; f5 y( p- d# e% S% y -1.4 0.1 ; E8 W9 U* ~7 w+ q2 ~7 C 38.0 ! S4 \( Q2 H! k& N1 E  K$ |; u Toronto # x& H9 j3 W- m. z: H; ^% `# k  x 554,700 5.6 120,400 ! \. Z& b4 z' R( G4 x 56.2 -3.8 ( c& _, ^* V! t5 M& P* t4 A7 S3 Q 0.1 , m; i! [, u9 o) a* p* h7 | 53.4 Montreal 0 @/ D6 \* ]+ l" T9 D/ ?& @ 335,300 & o* w8 v2 s: K8 A* e# y 8.9 75,800 3 `' v# I' E- s0 Z% H& i; N 51.3 6 q) Z1 {7 `# X, c; w: y% c -1.7 1.7 * K) p) m. j: T- P# F$ H 41.7 Vancouver 766,300 8.4 : X# r" g( ~$ \( T 149,400 * G9 t4 h4 L( E* a% g; g9 m* H 78.1 3 K& [' I- x! P3 _ -4.7 9 a' U* F7 X6 {. e0 u 2.0 , j- |6 s' O# ~  B) j$ p 62.6 4 r  _' p( b' B5 y( C0 p2 j. M Ottawa / b. ?! A' p( y- h: O 350,600 4.8 7 ~' J" X; v6 A! d  j! `& j2 R 86,600 9 R: W3 G, T1 o 40.5 -2.5 0.0 39.1 8 l; z. _9 q2 r+ } Calgary 410,500 -1.0 86,700 ( g4 k, \0 M- M: o 37.9 -2.3 ' L6 }# J7 u, W& ], d  U -2.6 40.3 - {  e8 b8 {0 E# T0 \) s& g4 Z Edmonton ! b: d' X) \0 Q, N6 O# P4 }6 v 362,500 1.2 + e9 D6 f3 D3 v* f* e3 E  S 82,500 37.0 -1.9 -1.6 ' e# l+ K" Q' E1 X7 z* P 37.0 Detached Bungalow Average Price RBC Housing Affordability Measure # p2 H# q4 X2 _" `4 m/ O Region 6 a% t- y7 i0 M7 ~ Q3 2010 ' p( N7 P: N/ ?& {$ C+ o($) Y/Y % ch. ' }' t6 U  t1 G5 q Qualifying Income ($) Q3 2010 Q3 2010 (%) ' e. u) k9 |; I/ [7 m) m# | Q/Q Ppt. Ch. Y/Y Ppt. Ch. " K; q9 z" E7 \1 L& R Avg. since '85 (%) 7 [9 ?6 _# H0 F9 a! O* F, j/ y Canada # G$ D& I$ J2 R; ~5 ]5 Q; N8 O5 H 325,300 6.8 : L; a. ~9 q1 U9 Y 72,500 40.4 -2.4 0.3 39.0 % P5 v6 ~* _+ y6 \+ g% O British Columbia 544,700 8.5 % X' ~7 T8 O0 ?% g 108,800 9 e+ H- e1 m% u& F1 j( ` 59.0 - z$ ^) ^; E- x( t% {( q -5.0 9 r; n1 B1 [) x% ]- s 1.5 1 Z9 |8 u2 s4 p; W/ k 48.9 Alberta 340,500 5 ^8 L# b, V( _, q. M  f+ e& P 2.9 2 L% ?  n1 V4 Y% i) k 74,400 32.5 -1.8 , ?7 w/ ^% e( J# o" ]7 b. M -1.2 36.1 5 ~1 V* v1 q, ?3 [* n Saskatchewan 312,400 ! d5 c6 _% {) k) n% Y 6.3 70,900 39.0 -1.9 # b% |  i4 j) S# p -0.8 ) ?4 ^$ c5 A1 t4 b 36.6 6 H- N& s5 o% O( ^3 [# q4 V- @ Manitoba 251,000 9.2 60,800 34.7 1 r) b8 Z- O# o; { -1.4 1.1 7 u9 T5 M! u0 E* k' I& m3 Z4 m 36.8 Ontario " B( `7 E; Q& a/ i/ D 337,400 6.1 # ^  h" T, f, ~5 F5 x, I/ g- L 77,900 : H2 M2 Z$ G) e6 f  I 38.9 -2.2 ! j' ~4 u: m( E3 C7 V 0.2 40.1 Quebec 221,600 9.3 51,700 35.0 + Y$ m* ?+ G; ?: D# a6 H -1.4 6 I: `- s0 J8 t( y 1.2 * q# s3 t- r# u! X3 X4 b 32.9 Atlantic 196,600 . p& U, g, ^8 P, ~6 K 2.3 ' ?: E1 n2 F5 |1 w 48,200 31.4 ( P. p1 `$ {' R' H4 Y! H6 | -1.0 % L6 M; n, f7 s/ e -0.4 * h2 k  W& N! m 31.6 - b; _; M7 Q8 y- e# ` Toronto ) I' b$ {. V3 h0 T# v 466,600 ' j: x* [& {4 a5 ] 5.0 9 B( h0 a8 [) r: i) f' `! S 101,100 , i! O  ~1 F$ i5 Y( R 47.2 -3.0 -0.1 - y, ?- f  J1 J8 Y+ B# f 48.2 Montreal 271,100 11.8 # S/ l( t- D8 C: r. Y 61,600 ( q! H4 ^4 S8 d5 a0 q 41.7 . t$ u. N* r* x; v$ t2 i  S+ T -1.3 2.2 36.9 Vancouver . \6 k/ u% J1 D  j. h! N9 T 672,500 9.7 ! \2 \4 r' U( R' w 131,600 1 I! M4 {- t- x/ I4 v* F 68.8 -5.4 2.4 57.3 . x2 f) ~/ F& S$ _7 V Ottawa 5 t+ N6 l: d6 l: E) ^  k 340,800 3.4 81,800 38.2 -2.9 - k  s6 l( D/ v' g6 i$ y( M -0.5 36.6 Calgary ! e7 x, v7 b8 Y9 t 412,700 , s" F- Y$ I4 Z+ y0 s, P* J0 j 2.7 85,00 5 ?" V5 l7 g7 x* A) W/ V 37.1 -2.0 -1.5 39.9 Edmonton ( o' |' y" F, M" G# e+ s, ] 322,900 0 Z2 y0 d  k( ]5 W6 f8 C 5.4 ! c; f: Q: R- \. b& { 72,900 1 ^# J, X; @7 z" Y9 @7 K& a 32.7 ! V- L1 v8 L- V, C/ E6 L' I -2.0 % N" A. B* @0 ^! W9 Q! u* } -0.5 33.9 . E7 T  p+ E; _/ q9 Y 4 q8 p  E9 Y6 W1 g" m Source: RBC November 2010. The measures are based on a 25% down payment, a 25-year mortgage loan at a five-year fixed rate and are estimated on a quarterly basis for each province and for Montreal, Toronto, Ottawa, Calgary, Edmonton and Vancouver-metropolitan areas. The measures use household income rather than family income to account for the growing number of unattached individuals in the housing market. The higher the measure, the more difficult it is to afford a house.

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今日议息结果如何？

年轻的心

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年轻的心

快讯： Federal Government's Mortgage Insurance Changes

, ?- s4 ~/ S! m: u: ^) eThis morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     

0 `0 }- _8 Z8 q) [These measures include:

! T4 C# p, Q$ g3 d* V3 {8 JAmortization period capped at 30 years
Reduction of government backing for home equity lines of credit
Maximum refinancing reduced to 85% from 90% LTV
There are no changes to down payment requirements as CAAMP recommended.

CAAMP will continue to update members on any new developments.

For additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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