快讯：Rate/Bonds/NewHouseStarts/...

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Bank of Canada Interest Rate ( \* b# l4 w5 L4 _; G1 {: Q September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada - I+ X; |' X' j) U5 o; K* a/ Q6 u) }   g. j0 z0 b- J0 DBank Prime Lending Rate # g7 E+ [' v8 e% ^ 2 S8 Z# \8 o3 s% V: ^9 y 3 {& F6 W2 q! j* G September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date ' @, \# a. U* J& m5 ]! ]0 LSource: Bank of Canada + p& j! X8 W' d% j* f1 A Conventional Mortgage - 5 Year Rate* . T+ \) C: C: s$ ^ , p  R  d3 a" {1 M6 \ September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 ! r$ P' H, m, w2 Y. |. t, C' n 5.44 % Source: Bank of Canada * X% j6 G$ b. k* t) F2 @, Z*Determinant for high ratio mortgage variable qualifying rate $ U1 V+ }0 ?0 ^ , m, V0 U' J1 BUS Federal Reserve Board Discount Rate 9 V) ]% Z9 ?0 ` ' H. V9 c% \2 C8 ]. k * ?# Z, y! B' K) ~( V/ j September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date Source: US Federal Reserve 5 V5 r: w2 g4 L* h $ C/ ~; ~+ f9 ?- v * G; n" B7 d& Z3 u8 w! ~ 1 ?3 m: `4 u8 U5 E( v5 n7 n 8 o/ J9 W" `( XExchange Rate $CDN($US) " _( ]6 U) u! t0 V0 I' i5 { October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 6 Z( C; s+ K& M# WSource: Bank of Canada . k$ Z& I* {2 ]/ R# L + M1 {# m5 y3 z2 ?1 F) T4 h" }: ] . l( ], \2 O1 I; } 9 [9 C" F" T; B# n1 C7 B8 \Government of Canada Bonds # b/ p  |7 j4 {1 b 8 }& Z0 B/ }' ]* `! M7 o! F1 I' O1 l* R Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill ' M8 @. m' y9 Y% R 1.21% 1.27% 1.39% 3 year Benchmark Bond Yield 1.59% 1.73% 1.94% 5 year Benchmark 4 a# W( x5 o  v5 I: ]+ C0 k1 wBond Yield 2.06% 2.20% 2.48% 10 year Benchmark 5 V% {, J' l" E4 K) J. vBond Yield 2.89% 2.98% 3.19% 6 C  d/ ~0 D" |+ ?+ U% WSource: Bank of Canada % m& y1 M$ i6 b% T8 V# @, F: _ 8 n" j$ e9 D9 K) a6 v3 f$ [ ; ~' V. ^1 z6 z; N* t/ p . ]: |$ C2 c9 KTotal New Housing Starts (Seasonally adjusted and annualized) Province , t( w8 z( i' p# {! J' k August   R+ k/ w5 y  g+ _: u+ V2010 August ) M. m5 y, d# Y# w0 [6 j2009 September ) A& n  o$ R" w- [+ r4 N2010 5 \7 K! y, o7 X0 J; c3 h8 l$ f September 2009 0 p: Q8 g$ @; A3 x October 2010 4 }  {: p+ b" t  s/ K0 \4 b* _ October 2009 ! c5 m' J" l7 P Newfoundland/Labrador 3,500 ) X9 e$ N  b9 S3 e 2,400 3,100 2,800 3,400 2,900 & I  f3 y8 z' h6 P& f. d  \% } PEI 1,000 1,000 500   i) u  p5 ]0 W& g0 z' ^ 700 400 9 R- r& H8 o2 T; v$ ], D7 P 1,200 Nova Scotia 3,200 4,200 ( O  r( Y9 y8 z9 M/ q 4,100 4,500 , ]# V' U6 k! V: R6 ^ 4,700 8 F" q4 X* {' L6 R. B 4,000 New Brunswick 5,100 ( B3 l2 S2 _# n- D" H 3,700 2,400 2,900 " @9 I, K+ E* p  S/ s$ X3 Z 4,900 3,600 ) k7 U9 A8 [, y$ K: D0 Q7 x: e Quebec * O8 V4 {3 k0 ?8 B 48,300 47,300 ) {$ {/ e0 d1 _4 i" H+ I4 P 50,700 . w9 X0 s, ~0 y. e+ `2 Z" J/ g, B 41,300 48,600 37,200 % H$ {$ V) f# D: G( Y Ontario 64,800 ! T# w0 z! E( X! |# h# |% c 44,200 58,000 ; o1 N9 K' r3 }3 _4 ~. z3 q7 r 50,200 / J1 O- J" S0 v% c 44,700 57,600 ; E; W' y+ m' z+ L- _4 e Manitoba 4 y3 [3 \; B2 O8 W- I, I$ e2 X 6,100 5,000 4,000 4,400 3,800 * A7 d. w' t; u- R' U# y 4,200 ' o" ?, N5 T. ^ Saskatchewan 7,700 5,100 3 |8 ~8 a. i2 C$ I* Q0 X6 g- D 5,400 3,700 $ b7 Z* i9 o) n3 R) _! Y$ T 4,700 5 v: Y5 M" ^) m  g0 z* } 3,600 . O% G7 c) D" X# k- ]& d3 \% K$ j Alberta & x: R0 \" U1 N0 U7 U 23,500 18,400 27,100 , m" N6 T  f5 |0 F 22,600 25,200 25,000 British Columbia 27,800 19,200 ( q2 V. P% @4 Z5 x" Z9 t- h 29,700 16,200 27,500   u1 Y/ `) a4 x6 n) u! B 18,200 / K- a2 i. d0 ?$ H CANADA 191,000 4 Q8 P" o5 Z" m0 R 150,500 185,000 149,300 $ m/ h, Z, m1 i9 D: Y. N 167,900 157,400 3 M! y- y+ z* S! r+ G 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. * n$ L: Y' ^+ d% G; \: V / T. `, b+ Z2 [' y. b- b& r" b ( d0 `+ }# g9 P Average MLS® Resale Price for Local Markets   S3 }% V) U) S2 q1 J 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 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 $343,747 8 r" G1 {0 x" [5 BSource: Canadian Real Estate Association 8 m7 x& a/ `# a) l  ]$ ?* P3 r4 Q ) L8 H3 L3 O" E3 gQuarterly Housing Affordability Index + Q: ], C: t3 P7 i; f  z6 J Standard Two-Storey " @4 N3 V; `% F Average Price 7 p0 S( X) a9 X' g RBC Housing Affordability Measure Region Q3 2010 $ \) H" Z# C+ M, R8 V  q($) Y/Y 8 ^) U) b/ z& ]! @" v  ?: R: t7 b# F% ch. 2 C0 E; I0 a2 Y6 r# h Qualifying Income ($) Q3 2010 ; \: b+ l( E( A1 K9 B: y- ~ Q3 2010 (%) Q/Q Ppt. Ch. 7 P# Z( T! m7 u( u Y/Y ! _0 x" Z) u, O! jPpt. Ch. Avg. since ' h  o/ Q* z! m- o'85 (%) ) E& m3 K' a* ~' M( P Canada % b& G+ z9 I0 n- e; L' i 370,700 0 B8 G' y$ `8 q* @* X9 S 6.3 . e! G) z& N4 y+ I: d' F 83,100 / D% Q' j, k7 K7 a+ c8 X" q  P 46.3 -2.5 % Z( D" @, T) O2 M( S1 i 0.3 43.3 " |  r3 Y3 [9 y! _7 l6 b) |$ Q British Columbia 624,800 8.0 124,500 1 N& F2 u4 f6 d3 j4 N 67.5 3 A+ u1 A$ G$ e9 H, @# I -3.9 1.4 54.1 - w+ R) L- u) s7 f4 K; ?  S$ X/ x Alberta 365,600 0.1 81,400 35.6 ; O& [8 G0 y, W, Z7 x1 G* X1 c -1.8 . c) C, `  E; K$ f& w0 T2 J* Z -2.0 ) z7 w8 [- S& a7 t 38.6 8 p* H5 B5 ?$ t# @ Saskatchewan 315,300 " _5 c3 o% L# h 5.1 ) o+ C( S! v% s5 f+ h 74,100 8 }8 T7 R& @7 [% z% u7 b 40.8 8 a. {* l0 v7 R$ [3 e7 k% J6 w -2.2 -1.1 38.0 7 \; n& k; }3 T, `$ x Manitoba 0 r6 j1 p' s) u  f2 q9 v 269,700 7.8 9 \8 m( v2 I  i7 W. A! j- w9 S. G- J 65,000 ; l) z) Z: J8 s- U2 \ 37.1 1 j: o& i# T7 B" @ -2.3 0.8 37.7 8 {: ?, t5 L; ^: _" W Ontario 388,200 " a+ S2 K& i+ H% [  H5 z; s 6.2 89,800 44.9 / c) F- M+ l( M2 ]/ m -2.4 , U" T1 o/ s2 p/ Z6 |/ k2 M 0.4 43.7 Quebec 262,100 0 e7 P8 s( M. Y0 U4 Q 8.6   A) |# T; w/ m# A, P& g4 w 61,700 41.7 ) m/ a- _, d9 ]* O; Q1 m9 u -1.8 $ Z) r0 [4 j! R* N 1.3 7 b9 o( D9 k' I* D" u& o( d 38.8 5 ~* V4 C1 Y5 e+ h' X Atlantic 222,100 4.3 55,900 36.5 -1.4 % \  [  {7 x3 Y 0.1 38.0 1 W* t7 G- C* T$ v: f Toronto 554,700 5.6 & Q4 J+ E7 A& h5 }5 ]* q' ~# [3 J 120,400 0 ^  _  q. E4 `& }0 g1 U  r" X 56.2 / M; }4 x# y9 o -3.8 0.1 $ a& ?+ z1 @% w+ z: L 53.4 Montreal 335,300 ( u# a; Z* J  u: O. U( ]( G 8.9 ; C$ }  [6 ^; A# r6 o 75,800 0 a5 N. ], i( [; l1 L 51.3 - E+ a, G. C* e: C& Y8 L -1.7 0 p/ m  k! q1 P: H9 {0 ~$ { 1.7 ( O2 e! P+ ~5 K, W- u 41.7 Vancouver 766,300 8.4 149,400 78.1 -4.7 # g4 @" c6 J1 U+ h% E2 ~' J0 d$ I 2.0 8 w8 Q  t/ K; f1 R2 Q0 B" |& v 62.6 & Y& I; a" H" F' E8 L- \- e* s Ottawa 350,600 4.8 86,600 $ Q; P$ b6 s% Z0 O* [ 40.5 - B$ s6 p; j- x5 ^$ z' A( L* D' M1 ] -2.5 + I+ J( E0 M, D: w7 g 0.0 ) i9 U+ B8 B2 y5 J! P 39.1 ; r& I3 w/ C  E+ E  _5 J Calgary ; l! m9 m& a+ C/ B  t 410,500 -1.0 9 Z  V% K) Q, t 86,700 37.9 -2.3 8 T4 ~3 _$ _  J5 R7 k7 b -2.6 40.3 Edmonton % U3 I! O! I; y 362,500 1.2 82,500 * a3 O* Z' o% f3 P9 f* q0 f* N 37.0 -1.9 -1.6 # ~& j* q4 i- X/ [* ? 37.0 ) C' K. `- ~2 q  A Detached Bungalow , `  \1 R9 |" L; |- u Average Price $ f. i: b& K! G7 |. @ RBC Housing Affordability Measure Region 6 M0 v7 X# Q! @& w4 j& D1 q) e Q3 2010 2 G( v$ O5 r' V4 _0 j9 T. A($) 2 Q. q  B- r' g$ z- H: A Y/Y 2 V$ G% v5 g3 E% g% ch. : v0 y! v; a0 x) ^ Qualifying Income ($) $ m. H5 [5 G% l9 ~0 TQ3 2010 Q3 2010 - o0 r+ A1 m0 o- m- ?! z( a(%) 3 n& j" y& a# z3 ~! Z Q/Q ( F6 x+ Z/ N' p6 B2 K8 r: a# i+ qPpt. Ch. 4 J4 D# {/ c. }" {& z7 O Y/Y ; i' c7 s  ~7 O; Z2 o6 K' L# r1 uPpt. Ch. Avg. since '85 (%) 4 e1 Z) A8 O3 h2 R* x' K Canada " a8 ?3 t! i/ _) l" C 325,300 6.8 - N- {- k3 n& m, U% z* c6 F5 d4 z& T 72,500 & d* b/ k& P+ ~3 \$ c$ d6 |2 x  g 40.4 -2.4 0.3 39.0 ) R3 n7 k9 h2 l! | British Columbia 2 Z6 Z5 d5 S1 q# Y0 ]; C9 |9 u 544,700 0 |2 Y: c# G% _! E" ^" V0 |0 P 8.5 0 C+ I( D  n( W 108,800 ' B0 S) ^  c" C7 u 59.0 1 W- u8 s# k1 Z- ^$ D -5.0 1.5 1 M* F8 P% \  ?# p6 j4 p, ]( E9 T2 S 48.9 Alberta - o$ y) p6 u6 d  a4 U0 U+ p0 h 340,500 2.9 74,400 . i; j. L0 v7 B3 Q1 l3 @0 p 32.5 -1.8 8 f( F, [$ X  O( a* P' [9 @ -1.2 8 c  w: u8 a3 z1 S( S 36.1 Saskatchewan 3 o, |% w* ^: w, L 312,400 % m6 |  j4 U1 ^- d/ z  E( d  v 6.3 70,900 + _% E+ }3 B9 Z. {- @ 39.0 -1.9 -0.8 36.6 Manitoba 5 D! S. d" m1 D7 j3 h 251,000 9.2 ) L" x, t5 g+ x. o" u 60,800 34.7 -1.4 1.1 36.8 Ontario 337,400 4 O) @5 Q* l) l; f4 @) t. N 6.1   b* ^+ C* `1 N' B 77,900 4 ?- j" Y# v( q9 ~8 G/ b 38.9 -2.2 : ^8 B% q- O% Y8 o5 M 0.2 , V4 k5 ?# E. |3 e9 F 40.1 Quebec 221,600 9.3 51,700 ; r9 ]4 \0 e) q) C) V 35.0 / n( |- s9 W! I0 U' \3 _5 f -1.4 : A! U3 U, g, |+ n8 z1 s1 U 1.2 32.9 $ _3 p' G2 ^4 Y  r! o* W( [ Atlantic 196,600 # I; ?6 M/ u6 A8 X5 |7 j" ^4 g: n 2.3 % e6 Y) L/ W$ Y. I- v; y+ t- l 48,200 31.4 -1.0 -0.4 31.6 Toronto 466,600 5.0 & j8 D+ e: P, H9 P" i3 i 101,100 47.2   p" a+ e7 N; o2 T- M1 f+ { -3.0 -0.1 48.2 Montreal 271,100 / _1 t9 n" P. U 11.8 . ^, ?* i( Z" E( M 61,600 9 W- j* P7 f8 ]9 h% r 41.7 -1.3 2 m  }# v* b- A! W% n/ ?2 s" ~ 2.2 36.9   T5 Z* s) l0 u# |' L1 ^ Vancouver 5 j5 H- h- }, [2 ?* y1 t, D, F 672,500 9.7 6 G5 W6 n: ~" i5 z8 N( d) s- h4 _ 131,600 ( [; }, G0 @- o* u9 x. _ 68.8 -5.4 ! s1 t3 x/ ]7 | 2.4   W! Q3 e; T1 t 57.3 Ottawa 340,800 % F- H3 U; I$ q" N5 N' Q3 { 3.4 4 s9 z$ f7 ]/ u5 Q! C8 M2 P0 M; {9 y 81,800 38.2 -2.9 ( J: b; r5 r: w+ f; Z* P -0.5 % H  G% V) k- \5 l' }8 C0 G7 X 36.6   ]; h: }! P- `# O Calgary : j0 a2 \) W( B2 {3 [! N5 |/ E2 l 412,700 ' f7 t. D! }/ e1 j1 k6 Z% r 2.7 9 H5 x: w; Z: A2 [7 S+ C% J1 w( P1 n 85,00 2 [/ T" D* h, R! x2 K6 ^! q 37.1 % A/ ]% M* z; t5 D0 ~ -2.0 ( c! P8 Q! S: n# E -1.5 39.9 7 O1 W! a# u  M* ^& o* a- D5 H7 D Edmonton 1 |& u) M+ X& p% Q, i; w* o 322,900 2 o" y) m2 n5 W+ t, ? 5.4 72,900 7 N- m# E6 n" ^9 H" N 32.7 3 q9 R1 e) c; a; `+ [# _- @ -2.0 -0.5 / N9 D9 z# o" D5 P9 D3 b! Q4 F 33.9 - N" a0 H7 o( f / ^, m0 t+ i( q" QSource: 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

3 k: p) k; K) ?4 q" c. gThis morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     

These measures include:
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: \5 O# q2 a; S' r# {Amortization period capped at 30 years
1 @; {! b6 J  t5 R' _8 T5 lReduction 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.
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; V/ k* x4 e) ~& ]6 VCAAMP will continue to update members on any new developments.
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# W6 k: R# j: V) n, \For additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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