快讯：Rate/Bonds/NewHouseStarts/...

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2010年12月
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Bank of Canada Interest Rate ; }9 k& [% C3 T4 P  m8 r. F5 s September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada 9 e1 z5 c( e) s8 z; g2 M # o2 O, G* ]5 X( jBank Prime Lending Rate 9 k% `- x! n/ ?' P1 r " K5 K) S3 |3 ]8 c( P- k. M September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date 1 r- C" M6 i# K/ K. n8 f, @Source: Bank of Canada / O% w4 `3 Q9 j0 h- K) F' x $ f  m% l( ~1 Y3 c 6 Q. ]7 X9 H- o) y! B * I1 A8 N5 k; ^) B4 QConventional Mortgage - 5 Year Rate* 6 P9 ^# x& t" V, f3 r 8 g2 j3 o% m) s* a) v September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 5.44 % + J' f  e! Y/ `* Z) B: \1 k8 fSource: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate + \) R- z4 l1 P* T7 Z0 L US Federal Reserve Board Discount Rate September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date ; e' T3 Q$ ^% E2 K7 ySource: US Federal Reserve 5 T+ N/ H; R! a ( S. B# l+ O9 @+ d( ]" |5 D Exchange Rate $CDN($US)   |0 ]/ h8 E( O& S3 g7 K% ?* v October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 / N/ G$ _0 v+ Q0 S6 MSource: Bank of Canada 6 p8 D4 U! k: p% f+ f. o 0 O8 X* c. H( X5 M 2 s4 a: D4 Q' ~8 ?* |1 M + m$ X; _$ j! ]2 k- T2 g& U# iGovernment of Canada Bonds 4 S; J- v, i/ P1 {" B0 s Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill : G8 L7 ?$ y. Y0 a 1.21% 1.27% 1.39% 3 year Benchmark - A" ^: C& R6 RBond Yield 1.59% 1.73% 1.94% 5 year Benchmark 7 L! u1 x6 Y" G' Y- W- n" P) D: aBond Yield 2.06% 2.20% 2.48% 10 year Benchmark Bond Yield 2.89% 2.98% 3.19% 6 N' j' M8 P. U9 J$ mSource: Bank of Canada , Y; Z& A9 Z: s8 W 1 L: B9 U5 d; J5 w6 dTotal New Housing Starts (Seasonally adjusted and annualized) - n* ]6 U3 A; V: r Province / S. ~- U8 r; m* D August 2010 August - n0 k0 }9 E5 X/ \" O  L2009 September 2010 September 2009 : a7 S8 d: I0 @4 h# d6 o October 2010 % |4 G$ }4 X0 h! M October 2009 Newfoundland/Labrador 3,500 2,400 " R0 o8 a) B7 f3 c' h 3,100 3 A$ a+ a0 m5 F" N 2,800 6 d) w5 v$ @' u2 H 3,400 ( B" P3 e7 A$ L 2,900 5 P/ o' r, K! K6 ?# r) E PEI 1,000 1,000 500 ( n9 s) `8 D  R  o4 U: V/ I 700 400 " W9 F! F4 [2 i  w" H; X 1,200 Nova Scotia 3,200 8 i& y# r  D1 R9 y0 q3 \ 4,200 4,100 9 Q' S6 G; s/ J1 f8 R" |3 v 4,500 4,700 9 w$ e- m" T  ]5 f 4,000 ' F6 `+ N4 G1 J* l7 _ New Brunswick 4 t9 e1 D6 m5 j: a& D: A8 L 5,100 * j% m' p! b3 W' ^9 Q+ E1 @ 3,700 2,400 + c9 |# Z; F& t! ^, l7 W4 D) f 2,900 7 r& D; p; |( O3 ~& @ 4,900 . @" y7 k- Q. _ 3,600 Quebec 48,300 47,300 50,700 41,300 48,600 37,200 Ontario 5 L/ I5 E6 ], `5 U 64,800 44,200 58,000 # N2 f' n1 g1 ~, }9 K% l! B  x$ { 50,200 44,700 9 E3 \: f  W% v! X 57,600 Manitoba 6,100 : L, q3 b& |& j; t" A 5,000 9 K2 U& n( f; d+ f0 P9 l& Q9 P# ] 4,000 2 l# a- h% o/ g3 Y9 S! O& ]  E 4,400 3,800 4,200   e1 C4 c; n; j) |. l+ U Saskatchewan ; F* K2 p3 H0 v- `# s 7,700 5,100 5,400 3,700 : I! ?4 f# O. ]2 o$ E4 a# a 4,700   g8 s8 G6 F6 s# p/ N  V6 Y3 b$ W3 u 3,600 ' v  ?8 F! c: ~) w' x; P: S Alberta 23,500 ( l* n. x1 G! w9 f8 U6 }7 D* h/ G 18,400 / }4 }4 f! n! i' ^* H! @ 27,100 22,600 * Y; ?" U! l; z4 G7 j 25,200 25,000 $ m  u2 e# ?" g British Columbia 27,800 19,200 1 z( p- u5 S  b8 O5 h: O 29,700 ' E  |( P- ]! b" p 16,200 27,500 18,200 0 C  D8 t: z2 e+ ~  ]) A% `* m4 V CANADA 191,000 150,500 185,000 $ a, v7 F# Z% y) I. q+ M3 r 149,300 / x* B4 U' C9 V$ i 167,900 , g( v+ h$ N* a$ w6 Z 157,400 " S8 m/ g5 A0 U/ [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. / |2 O( E  {1 ]% L1 C  e( a ! _" p9 i; @  w , n# _' J1 c7 H- e7 k% T6 m% R Average MLS® Resale Price for Local Markets   @- A6 {$ D6 N/ r, Z City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 9 ]0 v) B. U9 n $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 $343,747 " G$ Q  Q; C& g0 S/ j+ g5 \6 Q: HSource: Canadian Real Estate Association & ]7 f7 n$ X" s7 ^+ H+ z ) f1 r# w0 Q# s- n9 m3 ^& Z 8 I% M5 }* o8 H; z- D & s5 [1 l/ W) J# u7 iQuarterly Housing Affordability Index Standard Two-Storey ! r1 U1 K+ I1 r( L; t Average Price ) W  D4 D0 R" [ RBC Housing Affordability Measure Region * M) P2 t7 d4 O3 R Q3 2010 ($) Y/Y 9 U1 H' g6 N" k  K+ x! J% ch. Qualifying Income ($) & [3 f: c% K; @( r( ?, AQ3 2010 ( [  W% g! B6 z) o% k0 J) a/ s Q3 2010 / L7 M6 K9 k+ ~, C! {5 d* r(%) Q/Q Ppt. Ch. # A* E$ u  M( `6 |- F1 d Y/Y Ppt. Ch. ' q+ W, P. {. A! l/ y: y Avg. since 2 C  u( @* t6 l3 V' `( g'85 (%) 4 s: [: I' Y0 }2 E; p7 S  n& { Canada . F0 F4 \, E4 @# g) C- O( _4 Y 370,700 6.3 83,100 46.3 ! @; A) B0 o% O, [2 |5 @; v -2.5 0.3 43.3 ' t& r! Q/ o' M4 g British Columbia 0 W/ f3 |5 l- s 624,800 8.0 124,500 67.5 3 @1 [9 o7 ?1 N3 L. {( L -3.9 1.4 : t& Z) b! Z, H4 B& O7 p3 S 54.1 ! r( H% Y& {' x! m' m; _ Alberta 365,600 6 k, f# l' y7 v3 @: K 0.1 9 {. P* ^8 k% Z" { 81,400 " B* y, B! l  j* C0 E1 W 35.6 . M* D7 P# R+ @+ X2 t -1.8 $ k2 y& ]  \4 H6 C8 Q5 `! o7 H -2.0 38.6 Saskatchewan * B1 V9 U+ \3 p  k% s 315,300 5.1 ; \( [8 q  ]( ~- o 74,100 40.8 7 i6 W* M* x3 v. h) z -2.2 & L7 Q# j% X* E$ r9 q# z1 u -1.1 * j) m. s: G+ y& t. d, [ 38.0 , s9 J* Y1 t2 O& V6 [4 c Manitoba 0 z& }1 d3 H0 Y! E( T0 W3 I 269,700 - z9 Z, s6 v- C/ l2 b 7.8 65,000 + w7 C1 Y+ C9 A: ]4 `0 H3 N8 v, V# I 37.1 -2.3 0.8 37.7 ' c% ]$ V1 ?: @& S Ontario + i; _( X' D, X7 {2 O 388,200 6.2 89,800 * k7 n& h& I. ~ 44.9 -2.4 0.4 43.7 $ ~% u& G) b3 h' Q Quebec 262,100 4 q3 z# W8 m3 g' H( \7 G 8.6 61,700 41.7 3 W8 {1 a: w% F  D9 c% P* D -1.8 1.3 38.8 ! y/ N" ?6 V; q# \; d& T Atlantic ! p% q" I$ e. Q6 L2 J9 p 222,100 9 a8 R9 D9 ?2 D6 e4 J8 ^5 ^ 4.3 % b8 T( m$ a& ^, i4 u3 t. d0 E 55,900 ; K* l; B# z+ }$ }; t( V 36.5 2 ?' }0 [4 K& x7 s. r -1.4 0.1 7 K# w; X4 j9 ^$ Z: U% u- O: L 38.0 Toronto $ q) X1 M5 B. P/ H: i2 a5 V  v% [6 Z 554,700 5 Q" ^( v2 }" R. K5 L" f 5.6 120,400 1 T3 M; G  e( {" J/ L# w* ]4 e/ Q 56.2 " V+ C/ _6 I- b  J+ Z, U -3.8 0.1 53.4 5 c9 X1 y9 g5 ^0 Y' o) a2 [+ l Montreal 335,300 8.9 0 x' Q  e4 O- t* I2 Y2 k 75,800 1 j8 G' g( s3 H' w2 R 51.3 4 \6 z* {. @& T, B -1.7 . v0 E$ ]5 L/ `" m6 ^! M* @0 b 1.7 41.7 Vancouver 766,300 0 \+ v' t* P4 L3 ?7 w4 c1 O) ?* h 8.4 149,400 78.1 ) T: y% L, _2 R/ Z% H$ I+ U, x -4.7 2.0 ! s# g2 N5 B$ c* _# _ 62.6 Ottawa 2 `1 v8 w/ ]) t5 \- f. Y' m9 {# n 350,600 " l# B9 g" }) W& L3 s1 u8 y 4.8 2 \. ?4 U; T- X1 g# _1 l 86,600 4 @$ [. ?3 r& q" ?1 Q 40.5 -2.5 0.0 : {' O% c2 y- x- ]+ O0 j 39.1 Calgary # q+ P1 E. y: H 410,500 & I# w$ T% z" ] -1.0 1 a# t/ C/ z% W! b. D! v  ? 86,700 37.9 -2.3 ' ^# j# ~- c3 K* f2 U -2.6 8 k& o1 C$ j- z 40.3 Edmonton , ?) Z% \- R: }$ ~; f; C7 d8 S 362,500 1.2 $ s9 {$ k; ?7 y: v1 i: d: V& U 82,500 2 w$ a5 X1 s. x+ P- T+ G# h$ J, v 37.0 ! c1 e8 p9 @0 P7 f; x -1.9 : [' A  A& J* ~ -1.6 4 ~: w( D" u) B! @ 37.0 2 l, h- t) ~$ E2 Y * y& {& ^1 j  u6 _ Detached Bungalow Average Price RBC Housing Affordability Measure Region 0 v. I% @8 T8 d4 f2 C9 m3 Y1 l Q3 2010 ($) Y/Y % ch. Qualifying + {- p) Y0 J/ iIncome ($) Q3 2010 " `% p+ M2 v9 G$ P Q3 2010 (%) 2 J( p# a( w" R- X Q/Q Ppt. Ch. ' C# S0 A# k6 O* ]2 h2 }7 q5 I5 d1 S Y/Y 3 A, q* Z& q) \, Q- Q; HPpt. Ch. Avg. since ; M% q" K: |" B2 P5 }. L'85 (%) Canada ) i$ i% Y+ N* ~5 @ 325,300 0 t( Y9 v3 ~* L3 D& f) Y: c 6.8 72,500 + T9 x0 P/ W& X- p- I: [ 40.4 1 k/ J8 `# T5 F* J/ B* T -2.4 0.3 5 z% S. Q0 e2 |9 o" Y% p2 ^" C) ]- N 39.0 British Columbia & f5 M6 z1 v! u- X: s4 l3 m1 x 544,700 8.5 7 \3 w+ X! A, M2 Z+ B. U9 Q+ h+ i0 ]+ @! L 108,800 3 x4 P6 c/ T" q2 m6 d/ i9 x 59.0 # P/ w* `- R( M) b/ z# l( c( N -5.0 - r2 J" J) m7 }* U$ j. ~5 r+ `; A 1.5 48.9 ! H$ X6 |' Z) y5 S Alberta 340,500 9 k; v1 l8 E/ y& W: I5 H 2.9 74,400 ' @3 U$ E: o( [ 32.5 -1.8 9 j" [; W) w8 d  a9 |  c$ [ -1.2 36.1 Saskatchewan 312,400 6.3 70,900 7 s/ m6 S! j& @& [/ ]- S) q- O 39.0 / D# f' b+ {0 n# n$ J" u; V$ _+ G -1.9 + o- C, G# n) Q4 C4 v& @ -0.8 / S! q" T8 e9 G/ x3 _) u 36.6 % ^' X: y( ^8 o/ R* A Manitoba 251,000 . r  _/ \, d7 g1 y6 E, M* { 9.2 ) }' h  Y: J2 n7 B9 K- a# M 60,800 ) B: Y0 ~/ M6 ]% x7 H3 q 34.7 -1.4 1.1 7 B" K. Q* G$ q8 ^, X! U 36.8 7 K. W8 O" g$ R- D5 d- p5 V Ontario 337,400 6.1 3 U, q1 _, ?% c/ a 77,900 6 C9 }8 D. b5 Z" s2 j% R+ f 38.9 -2.2 / ^% F/ U2 b! D1 u 0.2 0 H( I# C/ W$ p 40.1 % l, {7 [0 p2 ]5 t8 E Quebec 221,600 6 z6 V7 W* m6 \8 r- W 9.3 " [' I3 H& D) h. s* D$ w- d4 Y& V 51,700 ) e  y9 [! p* `6 g0 A2 Q5 N" j! M& c 35.0 , w$ d/ M; {+ V2 m4 V2 _ -1.4 2 e: I+ U+ A6 J0 z  l 1.2 ; t! j  u" G- Y& a3 [2 t- Y0 b 32.9 # N" z; r8 @$ C4 n1 S Atlantic 196,600 ) _8 m8 k" R! C8 b6 m+ F1 T) } 2.3 48,200 31.4 & j+ D+ u. h3 P7 ~- A, @& A -1.0 - C$ a8 S+ B( E( T- B1 p. k -0.4 6 l( d2 V( r  r+ H2 t$ s7 S 31.6 : B- m  ]' z, B0 y, ^ Toronto 466,600 9 z! {4 E7 N) o4 N# P" _4 P 5.0 . y" {% ^: E+ H( c$ @ 101,100 47.2 / A) R1 ?6 G- ^7 S* E4 F -3.0 % |5 Z) A& g, |9 Q -0.1 $ ?! [( D$ m  F) }' \9 F! {( A 48.2 Montreal 271,100 11.8 1 s' e( Q. J1 [# Z( @ 61,600 - }3 C2 ~- F! P# s 41.7 4 U+ Y5 o3 t% K" J) C -1.3 % y# c# b2 R  U$ R9 M1 k 2.2 36.9 Vancouver 672,500 9 F7 C1 w+ g. d. t4 N+ r 9.7 . G  n* P8 V$ Z* @- l; N% W 131,600 68.8 -5.4 2.4 57.3 Ottawa 5 x9 q8 B& ?- r) S+ U 340,800 3.4 81,800 38.2 -2.9 6 ]7 o: I0 x/ ^0 V; O4 `4 v3 c+ \ -0.5 36.6 9 P) B  ^( i6 ?9 i3 Y% j Calgary - T# I- v0 c% @, ` 412,700 $ W. ~5 V3 ^  G* s 2.7 & |9 Z- U5 F' l, P' B# i) z 85,00 & P4 J/ p2 P2 C" _5 s4 G' U 37.1 0 A* ~% Q! j7 k9 j% _ -2.0 -1.5 39.9 Edmonton 2 X0 z+ k; C/ ^# V 322,900 . c9 I2 c5 T- B0 {, t. F) X 5.4 , }0 d" e; ^9 v/ I9 Z6 H 72,900 32.7 -2.0 5 |- ]5 [3 \4 J1 g' q -0.5 , o7 _" y' B2 d* y$ I 33.9   h0 i- N" T1 i/ pSource: 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.   _/ L: [" f! I( ]9 A& v+ i3 r! y 1 A& [0 S5 Q+ f2 m/ l

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今日议息结果如何？

年轻的心

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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.     

These measures include:

Amortization period capped at 30 years
$ N" e. L( K; e1 s9 D; [* GReduction of government backing for home equity lines of credit
Maximum refinancing reduced to 85% from 90% LTV
% O6 |: h7 F0 ~. z1 k! Y: N: s* uThere are no changes to down payment requirements as CAAMP recommended.
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3 q3 }$ S' `% ?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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