快讯：Rate/Bonds/NewHouseStarts/...

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Bank of Canada Interest Rate ( k; h% M4 Y  c* D. n) r2 I9 d& [. N September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada 6 G+ Z; A; F, C8 h3 eBank Prime Lending Rate 2 f9 `7 C  I/ D# B# a7 U/ Q- x September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date 6 }7 C! G' f6 X2 T) z6 z$ RSource: Bank of Canada 8 v8 a. d1 h! X0 e / P5 }& q# n. E & t; h) j0 J, s% H. X; qConventional Mortgage - 5 Year Rate* ) _$ D  [" s- d" F) X $ x- z, G2 H4 A0 g September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 , J) ?0 I8 u1 T 5.44 % Source: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate ! O; k9 Y2 l- b, t, O2 V8 c   l5 J9 N# Q4 a5 e5 J/ d / ]1 Y% Q; U& j6 U% @ US Federal Reserve Board Discount Rate 4 j7 Q8 Z. S2 U, ? ( ~, m7 X& v5 l/ C September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date 9 g- V- u* M& E$ d5 n* F; ISource: US Federal Reserve 0 c  L5 g4 c1 M! D 7 \/ ?. `  u. L2 h+ l Exchange Rate $CDN($US) 9 H5 B2 G# V1 R! r# M October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 9 l2 I. `- v0 ]! s: H$ rSource: Bank of Canada . }5 w6 z9 l1 _. g  w0 t + ]6 v2 t7 Y7 H4 N; D/ w( a$ F 7 u4 A/ u7 N4 L$ ~! G Government of Canada Bonds $ i5 s7 Q& n! _, A) I7 p! [+ e 0 U( R7 Z1 |* N4 @/ C1 [ Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1.21% 1.27% 1.39% 3 year Benchmark Bond Yield 1.59% 1.73% 1.94% 5 year Benchmark Bond Yield 2.06% 2.20% 2.48% 10 year Benchmark Bond Yield 2.89% 2.98% 3.19% Source: Bank of Canada 8 z1 \$ n( }$ V! | Total New Housing Starts (Seasonally adjusted and annualized) Province 5 _& V& T' O3 i  W8 d  ` August 2010 4 E2 i- U5 ?9 }1 \. T/ R August 2009 + v+ N" D! H. s6 z# n; s4 ` September - b+ L' A$ @9 O% q& Y2010 8 ^' w) X  d0 Z. k& v September 2009 October 5 ~. m7 C6 Y  D2010 , d/ R0 j& ]8 d4 k October 2009 ' o4 n: R4 n9 E! p- L Newfoundland/Labrador % y/ \3 |1 [; z: y1 \8 C! M 3,500 1 D! p/ |( [* y) t4 j 2,400 : U! q9 ?: o$ Q2 y 3,100 2,800 3,400 2,900 8 s; f3 _* o1 S- e* c) Z PEI . [* T( U# I8 X* G% o/ ]  j+ s7 @ 1,000 1,000 500 1 w% r) V# h' J* O+ [8 g 700 400 1,200 Nova Scotia 9 L0 l* c. X3 F! O4 |( { 3,200 4,200 4,100 4,500 0 m3 J# |2 A8 P; ^3 | 4,700 4,000 New Brunswick & q& a' `; U+ I, ?5 d% h 5,100 : S5 d# T9 v6 [4 w! r 3,700 2 m6 Q, o9 j- b' | 2,400 2,900 4,900 ! ?9 e  T, z, R  R2 J2 j# j 3,600 Quebec & _1 G; s$ H3 ~5 O+ s( j3 Y( D 48,300 47,300 # E, z- `; @; c/ O# g: i 50,700 + ]# L! \' L- [& q- x 41,300 48,600 ! a- @# ?; K" p2 }; ^% M 37,200 Ontario 64,800 44,200 58,000 % u( a0 p, z  F$ \ 50,200 44,700 9 e8 N) W9 C& e 57,600 & G! D- Q5 |" ~3 b% q Manitoba 6,100 $ \9 K' ~2 z! M1 L9 s 5,000 4,000 4,400 ( l* x5 u; p  v7 Y0 |6 U9 @9 S 3,800 , H3 i9 j- u! ]% u 4,200 1 N: c# `' }8 s% { Saskatchewan 7,700   F8 S9 Y* v0 r8 M0 z 5,100 5,400 + B3 |1 [& I8 A, C 3,700 4,700 4 v- @2 `) D. v) x; n 3,600 8 \# a( i' X7 ?" C/ v" d, k( R Alberta 23,500 18,400 - [* H, U6 ]8 ^ 27,100 22,600 * w7 F: ^* L- ^( d9 ? 25,200 25,000 British Columbia 27,800 5 t6 V& C4 ~4 t- k# n8 o 19,200   ^/ {* Y3 n5 \8 R2 D 29,700 16,200 27,500 ; f+ t" z$ Q# U* o 18,200 ( @" b' G* j0 P) @9 Q CANADA 191,000 0 J. j, j' \) a, @. v 150,500 - f- C0 S8 Z  T' Z  B/ W 185,000 , N* z% p, ]; H3 F 149,300 9 J  o9 ?) _  M0 [! i. C# g 167,900 157,400 , H* h6 q% V) r% S) x% z ( \  ]. i. @, E- |Source: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year. : `4 T* l! M( b# h( _0 W( y & }& D, J0 b* r0 t9 _/ @ ! ]2 s+ m, H3 n5 ]Average MLS® Resale Price for Local Markets 7 p. I, ~6 H! m1 h. Z1 u 5 x4 Q/ |4 l& k. g9 a4 s3 r City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 $165,032 Quebec $219,440 $246,918 Montreal $285,100 $309,638 Ottawa $320,561 $305,872 9 S! E) B5 f5 J" U1 Q; _* A  u 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 $343,747 Source: Canadian Real Estate Association , ]9 M+ `( s) B3 m1 E: D5 K Quarterly Housing Affordability Index Standard Two-Storey & r  ~; R% S3 w% U Average Price 4 e4 B- \" h# X8 r8 t9 R# S : ?! M$ P; q; Z* i+ I RBC Housing Affordability Measure # a7 g& b% z* u) D7 W Region Q3 2010 ($) # k" g3 e3 ^# h Y/Y % ch. 3 |: h! }3 G4 ~' M- f0 w Qualifying Income ($) + h8 H; J7 O* |- kQ3 2010 Q3 2010 8 V% d: X6 I- A. V% Z! K(%) Q/Q Ppt. Ch. 3 s% c9 N! ^/ {* }1 `6 I Y/Y % s7 o$ G. }0 v8 aPpt. Ch. Avg. since , S5 d- }! v$ |8 C4 L'85 (%) Canada 370,700 7 d0 |# n3 F& h' z& K: T 6.3 " L( {) E6 A6 t4 Z 83,100 ; s% d3 D: A- |" j5 F9 D 46.3 % b9 Z$ }4 E! r5 w6 V -2.5 . O8 E1 x& ~7 J' @. r  l 0.3 43.3 7 p0 o% Z2 Q/ ~2 } British Columbia / O0 x* i. c: u" b- u 624,800 8.0 124,500 67.5 : T. g* h$ H. j! B$ S -3.9 ) I, S  Y) j- [  a4 ?6 Z 1.4 * k& b/ O0 Q) K: U 54.1 Alberta 365,600 4 g: Z2 C  @) u9 _ 0.1 81,400 35.6 -1.8 -2.0 38.6   ]1 |  B( Z1 q3 o, h( q' v Saskatchewan * y( Y; V" \" E1 i 315,300 , c' n8 |( z( A) B 5.1 74,100 40.8 -2.2 . a3 P* v  q5 U$ R4 J -1.1 38.0 * B* F, B9 H" e' q6 c7 ^  g3 a Manitoba 269,700 ' W8 d& y# i. T. c 7.8 65,000 37.1 -2.3 0.8 37.7 Ontario 5 w4 N0 s4 t( d3 U0 Q 388,200 / e, ~& z( E6 g3 H& R$ F9 N 6.2 8 V2 @, `" }8 v5 |3 } 89,800 & Y/ q$ |( p: X& k" ]3 I 44.9 -2.4 . D" O1 v  L5 `2 W0 {/ E( s: Q 0.4 43.7 ! h$ j% @* ~% C7 c! _$ f3 Q Quebec 262,100 ) B1 `0 Y+ {. [) O  d  a 8.6 61,700 41.7 & x( `& E9 N9 E3 @+ R; Y: @ -1.8 / i* M0 ?% L( `3 D) k 1.3 ; z. [6 p& m! ?( X 38.8 Atlantic " f; A# t2 M% M% l- B  ^ 222,100 4.3 55,900 36.5 ( q9 q( m! A7 n( J -1.4 ( R; O  z2 j2 j& C9 ^% N 0.1 ; u' r( ]2 D8 ^9 h' _6 F" S# H$ y 38.0 - t* u! v* X2 \1 S3 u* M Toronto 554,700 ( A" s5 q& R2 W6 {- a: _ 5.6 120,400 ' b2 h& M  g. D" b* I$ Q. D, r 56.2 -3.8 + s7 `4 ~5 m" b# P! z+ K 0.1 8 U8 Z. S- e% v3 `  C& h" y 53.4 : }  J, K1 O1 v& j+ p Montreal 335,300 8.9 75,800 51.3 , E" ^& }9 U0 [: G) O" O -1.7 1 B+ S$ x, F$ F1 i7 b7 R1 i/ P 1.7 41.7 Vancouver 766,300 ; T% n9 k2 t, W' J/ [. E( S7 N 8.4 9 T. e9 \& K2 G0 H 149,400 78.1 ' \3 U2 i# F( v) E -4.7 2.0 62.6 Ottawa 4 @/ X, F: d' t, u$ J 350,600 4.8 $ A% k2 {8 |; ~ 86,600 40.5 -2.5 0.0 ' V0 ]( s* {. V! f9 C 39.1 * A& g/ @5 P8 L' | Calgary 410,500 -1.0 86,700 # x7 `' M, q% e# U# Z8 g 37.9 + g2 J* R+ o' k& u -2.3 -2.6 40.3 % M, i5 x6 d7 ^0 | Edmonton ' |3 ^0 }2 A  u* J4 V0 v% b 362,500 / E3 J- _2 v- n' [ 1.2 82,500 7 F6 b! z( W2 Z9 M) h 37.0 + B+ z1 ~8 H+ f) e; o -1.9 -1.6 # q+ ?- O- {/ i' W6 D 37.0 Detached Bungalow - e$ |$ [) }# o0 P Average Price ( ~/ \" U1 N& ~0 }( v, F  N RBC Housing Affordability Measure * S8 y0 h; S) F9 L# B& A, @ Region Q3 2010 # _7 ~; v8 n1 S($) 8 M, T! ~; G; C- w, _1 p Y/Y % ch. 7 F8 H( m, Y, @; M! u7 Y5 D/ ~# P: ^ Qualifying Income ($) Q3 2010 . ]. Z! F& K! U/ T5 { Q3 2010 (%) 0 k+ D3 z; u$ J+ f0 j# c1 F Q/Q Ppt. Ch. 8 V8 [/ L* v& B5 ], Z! q Y/Y Ppt. Ch. Avg. since + a) P4 s2 o2 R1 s+ I'85 (%) 7 A5 |' M. s, s* N Canada 325,300 6.8 72,500 40.4 - J7 {  W& b% z% {; R3 _* J) C5 z -2.4 8 F  u# W) x; L/ L/ J% d% k- [ 0.3 39.0 0 c/ y/ c* _1 \0 }7 @ British Columbia 544,700 : K; e9 ^5 [) r2 |, {7 P 8.5 * `8 W) N: o% V, ]( | 108,800 : Y% _9 R- b, I 59.0 -5.0 1.5 48.9 5 k! A% w$ o; t5 p+ O Alberta $ T( N  J3 [! f* |' y 340,500 & _5 p8 K! Q& p' z8 v+ F 2.9 0 R4 r/ N3 D; k. m$ y8 J% ^ 74,400 32.5 -1.8 -1.2 ' g" p' c: a) Q9 H& F- i 36.1 Saskatchewan 312,400 - Y/ `& y5 K7 j 6.3 70,900 39.0 -1.9 -0.8   b3 [7 G4 c. \& V 36.6 Manitoba % j5 o. N7 m* ] 251,000 6 V; x3 V7 N9 }  {; t  O) z6 N 9.2 * e* f8 }# Q; L6 k# J4 F0 `4 Y 60,800 1 a" @2 _" O4 m 34.7 -1.4 1.1 36.8 * S8 v# P1 O2 B' N% y2 y Ontario : c9 A3 e0 m6 A9 i' O0 T 337,400 2 B5 r# _" {' V) A 6.1 , o5 i' N" P) \; J* i: l! b 77,900 / T) [; g9 a  M/ D 38.9 $ t) K! l' H" q0 I0 U4 C* k -2.2 1 H( {* U& p8 ?4 S+ v8 A 0.2 ; a- }3 m% V. o 40.1 Quebec 2 E% z/ O7 u  o; J3 Q4 j 221,600 - A! M" r) k. L) W  y) O# J- L% g 9.3 ( Z5 }$ j5 X4 [. Q 51,700 7 P; h) Q, j1 E 35.0 & r5 u6 V2 }+ V, B1 a6 n. D -1.4 1.2 32.9 Atlantic 196,600 2.3 ! m# s, h+ m& M$ }+ R$ m 48,200 ( w( d. @7 g7 ?  G 31.4 / n6 s* g% \9 B  ?# o; L6 H8 h& l -1.0 -0.4 31.6 Toronto 466,600 + q2 b! c) A' [2 T 5.0 $ V2 @3 W+ N( t, V 101,100 , S! |: W' P: Q. Q( t9 x 47.2 -3.0 -0.1 9 P) W* k) K; V3 \' t9 k9 }* u 48.2 Montreal / m& y8 B( f/ u* g* I 271,100 ' s, i! e/ J. w6 S* Y, E$ B 11.8 61,600 1 ^- @% @  H! G7 t 41.7 -1.3 7 I) t6 `& ^3 P; S( |9 B0 O/ F 2.2 ' d! X, h2 D+ ?* r, r5 w 36.9 Vancouver 672,500 9.7 , i  N& C* c  a6 C% B1 ]" @ 131,600 68.8 3 }( R8 H. K4 ^8 h0 H; h -5.4 8 {- W' E) I9 ?9 M, ] 2.4 57.3   n6 h3 d& S# Q Ottawa 340,800 3.4 - ?" L; \8 q  r0 h" a9 Q+ {! v1 { 81,800 38.2 -2.9 % G' C: f, l3 O -0.5 ! f: B+ M7 S- Y& N* c+ j 36.6 9 f6 K; j) ]# S1 e# C! H  R: G Calgary - p/ y- D0 d) n- i7 V# D 412,700 2.7 8 @4 j% Y; j" \  b7 N& n: T. B 85,00 37.1 0 W% [5 R. ^4 V  H -2.0 -1.5   {6 e, ]% u& g& ?4 _) ?$ F3 @ 39.9 Edmonton 322,900 5.4 $ C# `& g2 d2 ]7 r9 j 72,900 7 Z4 G3 f! w4 r. g3 Q* X 32.7 ' G; Z4 |. M1 s4 g2 F9 D) g* J -2.0 % m, u8 R, [* M9 b -0.5 * ~( A4 }* F/ K8 U0 ~& f 33.9 ( {6 Q7 N9 g1 I3 L; C - a' Z6 l0 A& g) X8 O+ z: b ! D" t1 V8 T  \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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快讯： Federal Government's Mortgage Insurance Changes
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This morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     
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' B6 f- G+ e. @) hThese measures include:

Amortization period capped at 30 years
1 j( b  D7 z  I$ K& [. c$ v" C! G" FReduction of government backing for home equity lines of credit
( ?; A# v0 i  `4 KMaximum refinancing reduced to 85% from 90% LTV
There are no changes to down payment requirements as CAAMP recommended.
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CAAMP will continue to update members on any new developments.

- P6 N5 g/ m0 o7 ?For additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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