快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

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Bank of Canada Interest Rate 5 S; j# X8 p; _8 s$ }6 e- t( U September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada 5 L2 N3 J4 ^8 D+ L( N Bank Prime Lending Rate ( d. g% A+ S" q September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date & X( G# A) `- F# k8 ]3 VSource: Bank of Canada ( s  ^" D5 T; w- v# w6 y- D( h ! K" D1 l$ x2 H" r# ^) f! J( D- H & E/ Y+ L  }2 n, k7 p& RConventional Mortgage - 5 Year Rate*   K. }: P! b( s: `8 ]2 y   M2 q8 i4 M$ r3 ?8 C( t" v4 s September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 5.44 % Source: Bank of Canada : r- Q8 j; ^. r7 \) S/ j3 z4 A*Determinant for high ratio mortgage variable qualifying rate " b8 e  n& `7 C, r1 XUS Federal Reserve Board Discount Rate & q, {& i- E% f6 E# o+ i / a- e* _. O6 ]  m7 R ) }6 P& Z% _  C. [7 _7 v8 q0 z September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date Source: US Federal Reserve 9 M& R; `4 L( m2 w# F- E 5 @4 c) t) K. o- h8 | Exchange Rate $CDN($US) 5 z$ O/ f" ?& A1 P October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada - V& J: m* }3 q7 @3 @ . ~- ?. u: e7 r. k) k- h7 r+ Y$ K & G4 B/ B# N; Q* n $ Z2 q* s; ?2 i( c* a Government of Canada Bonds & j, W9 P/ {9 t. _2 p, F Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill - g: }2 e; D; z& [% R  O 1.21% 1.27% 1.39% 3 year Benchmark ' B7 U: I" v3 |7 x1 r" g& GBond Yield 1.59% 1.73% 1.94% 5 year Benchmark Bond Yield 2.06% 2.20% 2.48% 10 year Benchmark ( B: o  B7 j) _! w' HBond Yield 2.89% 2.98% 3.19% Source: Bank of Canada 5 _& d& W7 d7 g   j+ J/ ?: i( P1 d$ R- [% r- e! w 2 z% j) c) Z5 Q1 v* q9 \Total New Housing Starts (Seasonally adjusted and annualized) Province ; M: U/ Y' y) ^8 g- ?3 n7 P August 2010 7 }9 I, Z# z- R August 4 V# [6 o/ u& r0 @+ n$ P6 R) o2009 September ; q" m' \' @# G! ^+ p/ c2 i2010 September 2009 0 h# V8 Z' j/ l5 \9 t4 A* p$ h October 2010 % }$ c0 b) Z* E+ l7 T" h October 5 J( V  H$ F  ?2009 % _4 S7 p3 u$ u  m$ d Newfoundland/Labrador / d0 b0 J& H' l- p: z# j$ s  F* ] 3,500 2,400 3,100 2,800 3,400 # Y) C8 ]* h6 J3 o+ A' V5 ~ 2,900 PEI 1,000 1,000 8 Z: d- q! `' h/ \; P- d! l 500 ! @. ~7 E4 J& T9 k8 s1 I- Z6 K 700 ; C0 ^- y1 L# I& C, k" t7 Q3 Z5 T 400 1,200 + I3 A1 e) a7 Z8 A* e9 v' {) F+ _ Nova Scotia   d7 Z* w/ f% ]+ U) {, R 3,200 " ]$ U3 P+ j6 z$ v9 F; x/ E 4,200 ) ~+ F0 \3 a$ p9 I 4,100 - |* g1 j! G# c  p$ S/ t. K 4,500 4,700 4,000 & h' H" m9 k# C% F  r7 j5 W$ H New Brunswick 4 k( A0 X  c$ h9 r& w 5,100 3,700 ) C1 ]4 c- _. }2 X8 l 2,400 2,900 4,900 & R( t$ z2 s  G% v6 J; q0 i 3,600 : V& q# s! q# d. ~2 R  m  H+ p2 F Quebec 48,300 1 @  ^8 n4 C; y* t  f3 a 47,300 ; W! z0 h  H3 [4 M: @% `/ w7 D 50,700 . E  w, z. D0 O. I" e9 r+ c 41,300 4 `; q/ |8 n0 K) x5 O 48,600 37,200 8 X( V; l: ~9 t, U Ontario 64,800 + v( I" c3 e% i) t 44,200 $ z5 B& R- ^; E0 P/ T 58,000 50,200 44,700 57,600 4 M' G( c% S$ t, V, a Manitoba 6,100 5,000 4,000 : J8 y3 T- N) V) ^ 4,400 3,800 ' d; T& P4 d7 q- { 4,200 Saskatchewan 7,700 6 Y9 _7 M( `/ l 5,100 / E8 u/ X2 m+ m5 J9 K' W 5,400 4 y% y) u9 k3 E' `; r2 @ 3,700 ( a4 }- t# _1 K. r+ \' C 4,700 2 l4 A! H$ u1 m; q$ P 3,600 Alberta 23,500 18,400 8 N# {# h$ ]8 v; c 27,100 4 ?- l5 \- T& g0 k9 r 22,600 : [" h, H- Q2 Z 25,200 25,000 British Columbia 27,800 # G# u1 j' {) _7 [2 \- s 19,200 + N# T# P8 N' m: G& B 29,700 16,200 ' l: B. X+ B4 E/ T' \5 M( ^: u3 D 27,500 18,200 CANADA 0 ~$ h: o0 I3 ~% m2 U5 J. t 191,000 / V; K. V( X9 N 150,500 185,000 149,300 1 Q/ i  b6 W7 n% q# V 167,900 157,400 ' S" a0 o# q7 x" X' [ ! j) @. Y9 H/ a( QSource: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year. - c$ A1 d4 E, I( C2 Y0 c+ | . H+ b9 e% y* [. P: G/ v( xAverage MLS® Resale Price for Local Markets & F$ j6 ^$ D& `1 P# e+ j City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 ; v2 E* g7 D: ~ $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 $343,747 # `8 ~! @5 t0 K) N6 K4 `Source: Canadian Real Estate Association / a9 s. T' x5 L8 j+ X% z: ^8 e, o 8 I/ `/ e/ j' ?+ e . b: P; Y/ x+ K4 l8 f; h Quarterly Housing Affordability Index Standard Two-Storey   ~: T" B+ k; E; o( V, f6 D Average Price - P0 h- j# X" [( e RBC Housing Affordability Measure Region # I; {3 ]# |- u. L9 ^- k Q3 2010 ($) " O, v1 Z9 @9 v3 V1 E  ? Y/Y % ch. - Z2 C9 r6 G( v: s9 ^* `+ z+ w' S+ e4 | Qualifying Income ($) Q3 2010 / U+ R' T. D: {% \3 z Q3 2010 + d2 c, ~3 @* Q( Y0 X(%) Q/Q Ppt. Ch. Y/Y Ppt. Ch. Avg. since 3 J( t0 N# i1 x, ]+ T' F'85 (%) * d' l7 Q9 W( u1 N. W6 E! g Canada 4 g2 [# k3 i! w- D1 l 370,700 6.3 83,100 ! s  R7 K+ ^% d+ k 46.3 - R$ j6 [$ Q( ?$ [* T  D6 b7 ` -2.5 0.3 43.3 British Columbia 624,800 5 I' M6 j6 G* U- ?% F# y7 O 8.0 124,500 67.5 ' A+ o* [! p; r: f" `# s. L% y -3.9 + h& q+ ]  k' p8 ?; n6 S" o4 o 1.4 : h( Q/ `2 N  m) ] 54.1 " C4 Z8 S' e6 {" l& d- n Alberta 365,600 : A$ d3 @! s' L2 c/ S: o 0.1 0 v& w6 a6 r  q* E 81,400 35.6 -1.8 ( f2 k# i3 q6 I4 C9 g2 F) c/ W4 X' K -2.0 $ L/ _0 h/ C; c+ B: J 38.6   R. Y2 A2 |% Z5 I Saskatchewan # ~9 g& U+ @! }3 ^0 q 315,300 5.1 + J$ K9 o( S0 A( c/ v6 L 74,100 0 W3 p$ f9 ?' N0 y' K0 ^ 40.8 -2.2 , s/ F3 p/ s( L( y+ A4 o -1.1 0 i  {2 j- \  M7 Q; |4 u( Y 38.0 Manitoba 1 I" k6 }4 e- l- M, J# y5 q 269,700 7.8 65,000 ! l; }2 L) l/ c. l8 q1 z# o& y 37.1 -2.3 9 ]8 @! k' f. v8 E# r* s 0.8 $ n( o/ R6 d5 D 37.7 2 v/ b5 Q2 f7 v" @% l5 C8 U# k$ P1 U Ontario 388,200 4 j1 ]0 b% k& @' B8 n6 m 6.2 - A" u; A# L6 E1 H! j9 [ 89,800 44.9 & L) u. L0 z2 |8 M$ k3 n5 z -2.4 + j1 p4 v( u/ W% B/ X9 w# M; L2 }8 U* S 0.4 43.7 Quebec * w5 F# v& m' H2 C" v8 D 262,100 3 ~) S$ M, W' I/ J7 d+ I6 y 8.6 61,700 5 y' p* e, r+ y. Z% F4 ~ 41.7 ( W; B5 P" Y' I. @+ x -1.8 1.3 ) A/ B( J7 k- R1 {2 ^ 38.8 Atlantic , y( d( _% d4 ?* Z% N1 ~9 b0 W 222,100   w7 y2 [7 {6 N. P, x 4.3 55,900 ( [! Y) g9 p9 o; M7 Y 36.5 -1.4 , k0 `. x! ?1 e4 i9 W) {$ L 0.1 38.0 5 \8 v' j9 @4 r$ ` Toronto + R7 L) I: y+ M" A$ l  `) o' i) ]" g 554,700 5.6 * f8 B7 g! \; e 120,400 56.2 -3.8 0.1 53.4 Montreal 335,300 8.9 75,800 51.3 2 M/ J7 O& p2 {7 l5 ?4 ~ -1.7 1.7 41.7 ! E( D. m6 s$ H% q2 U3 _ Vancouver 766,300 8.4 149,400 78.1 -4.7 2.0 62.6 Ottawa 350,600 : X( R+ ?+ S( m. a5 } 4.8 ( `% p" I. |% \$ M 86,600 # }* W. ?6 W8 F# Z1 J8 ] 40.5 -2.5 0.0 2 p* a, G$ [) C* V: E4 s$ p! r 39.1 3 c$ l, b; U/ k; F/ V% r2 ]  O Calgary 410,500 -1.0 ' ^. J' y- U( y/ V$ Y& S 86,700 37.9 -2.3 # j8 d% T- }# C; F) Z* c  S$ x -2.6 - f  c! ~6 U8 ~1 ?4 x- `0 ~ 40.3 & U/ a: ^7 }" V$ H" _; k Edmonton 362,500   D6 ^! @4 ]4 v2 M" b* n 1.2 82,500   k: d7 P& u8 f9 V 37.0 -1.9 0 b4 ~, R/ C' w" F -1.6 9 o7 C8 H- u( J3 z 37.0 ' Z( W% g8 U3 H0 H Detached Bungalow 7 K5 v* j5 v9 b' _: X Average Price RBC Housing Affordability Measure Region & z. {) u0 Y3 ~% s# a Q3 2010 ($) 1 R% `6 R; @" e  M$ Z7 _' | Y/Y ) y" @: X/ z/ U' \- B2 y# _% ch. Qualifying Income ($) ! m8 z/ S; K$ |  |7 t$ V, rQ3 2010 Q3 2010 (%) Q/Q Ppt. Ch. Y/Y 0 T5 m% |8 R! G3 j- m7 ^Ppt. Ch. 1 n' D  s8 @) E6 g Avg. since   J8 p' T8 F  P6 |) U" B4 E. b'85 (%) Canada 325,300 6.8 # [+ d) B9 v5 b1 t% B 72,500 % t0 S/ ~5 ~/ i6 E7 t% C. O# N 40.4 + X( }8 Q3 ]+ _4 L4 _1 M -2.4 * M7 m# Q! d  J+ p5 `7 G; B 0.3 ) [! j1 F- \  Z1 t6 I; Q1 B 39.0 3 w" H* P0 ^3 I' Z# ? British Columbia 7 w' ?1 U4 M% i 544,700 8.5 108,800 59.0 9 T7 y: ~0 j6 n( b -5.0   `9 w  Y0 [* ^  d- S& i5 b& [ 1.5 $ _3 [& f% I) o; Q5 X1 P 48.9 1 Z- _( ^0 H; x  B8 G Alberta 340,500 ! O/ I- K$ s3 j: Q 2.9 0 [1 C; M( y5 Z 74,400 32.5 * I9 H9 y# d. F$ Z -1.8 -1.2 36.1 + ?( s& Q- m0 n Saskatchewan ; u2 {2 w. A6 ?3 M) h! [ 312,400 6.3 $ I) D' g2 T  Q1 d 70,900 39.0 -1.9 , M9 W) I: H. e) M* @ -0.8 8 ]% R  E8 y) b" ~+ [! Z4 E6 @, x 36.6 Manitoba 251,000 9.2 + ?  r5 S+ {5 o 60,800 + s- b# ^, r% z# J6 @! v 34.7 # T& B& ~" L1 p0 W -1.4 2 Q3 [" C0 R4 N- E$ v' G 1.1 36.8 % ?! K. ?1 m& f Ontario 3 w4 ]0 V( I9 v4 h$ W. e 337,400 + s3 b9 q- x  n. }0 k5 q5 s" U# o; n. ] 6.1 ! y; {4 w  Y! Y6 J+ z- U 77,900 $ l0 g8 F8 b9 l- k; J! p( l 38.9 ! L4 O" H, i& o2 M  L -2.2 $ P) s$ X0 c5 y% y9 N' C 0.2 & r$ A) r. j" o8 f 40.1 Quebec 221,600 9.3 ) m, [& X0 [% l3 C8 b 51,700 35.0 -1.4 1.2 32.9 # ?- ?% n! {) V, W4 e" j# O# ]2 S/ _# q) j Atlantic 196,600 2.3 48,200 5 s1 _5 U. n" P: h% n; |2 s8 Q 31.4 -1.0   G3 i8 W, E% f% b+ a -0.4 ; s: Y( r& Q/ }2 h 31.6 3 }1 t# j; Y6 q Toronto 466,600 * a. N6 d4 _0 v/ e6 t/ J3 O2 c2 { 5.0 ! v5 {% H2 Y/ Y 101,100 9 Q% t+ [0 q+ @) W( [- l! H# ~ 47.2 -3.0 -0.1 48.2 Montreal / U: G2 ^) \  Z! | 271,100 * C5 U0 i7 U, Q9 X. {4 f0 o 11.8 $ \( L% j. g- P6 E: G, a 61,600 & f9 T* }  k  J 41.7   p! u3 x3 K" C" _ -1.3 2.2 36.9 " ?2 R: E1 G' c) S7 K/ K3 s! v Vancouver - e4 A' q1 N. l1 u5 e 672,500 4 n$ `3 ^- ]. s5 w/ H& P 9.7 . f, F, F* Z6 Y: d- t3 }6 H 131,600 68.8 -5.4 2.4 9 e4 W: K: d( a$ F) X 57.3 - Z0 H) O1 F0 W Ottawa . J; E4 p5 y. X. J, h4 p 340,800 ' T  a6 I1 _. J* I% t* u0 A- `- F1 F 3.4 + `/ }/ F! f6 e1 L+ c0 s 81,800 9 u5 h5 C) w$ F$ ^ 38.2 -2.9 -0.5 36.6 Calgary % v* m+ G3 ~6 J* ]2 a 412,700 2.7 85,00 8 H7 z3 ^7 V$ Z6 ?$ b+ X 37.1 6 h% Q5 d  b$ l6 Q -2.0 -1.5 1 ^* n, b) X1 g 39.9 Edmonton * j1 e% o: s4 C, o! f( ?* t* v 322,900 ! o! n8 X/ M1 G2 s, ` 5.4 - d: f4 R4 P/ U6 G 72,900 ! j0 \  v+ o8 s6 |2 T  b5 h' V 32.7 5 r9 A8 e3 e! M9 S7 ~, w' D' E -2.0 $ I1 \( W. {# K* i% o/ O -0.5 + n1 s: O& z* x( G1 b2 z  ] 33.9 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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年轻的心

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年轻的心

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快讯： Federal Government's Mortgage Insurance Changes

This morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     

) Q/ P0 ?! {8 L" m# q# `These measures include:
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* S+ _1 B. i" ~2 O6 x* x9 NAmortization period capped at 30 years
) i$ `3 K8 [) s9 g3 J. JReduction of government backing for home equity lines of credit
Maximum refinancing reduced to 85% from 90% LTV
5 t4 S$ B1 Z% J7 U8 {. f1 eThere are no changes to down payment requirements as CAAMP recommended.
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CAAMP will continue to update members on any new developments.
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; {/ `0 O5 a0 [For additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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