快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

2010年12月

Bank of Canada Interest Rate # q8 F) z3 M, R5 H' _4 a& t September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada & j% V: b$ _0 x ; s5 a  F2 X; i- m : O' D6 }% E: H: EBank Prime Lending Rate ; r, c( C6 h- s 4 l4 N$ R+ _2 y& B( k $ K& S$ ~! q7 s" \+ F" C% ^4 K September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date # x* F4 V. e+ p3 C. u& g. Z8 {  S# a7 mSource: Bank of Canada + l, M4 H% o0 P1 d4 d# T 9 ~: P( c" a# d2 F. x # M! b, g: H+ i, r5 W, y" e Conventional Mortgage - 5 Year Rate* September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 & L. n+ i- b& e 5.44 % . q; ~% W+ \$ _- M0 _1 j# iSource: Bank of Canada 0 S1 z7 @0 O0 R0 d) ]*Determinant for high ratio mortgage variable qualifying rate ( n$ q6 e# W1 a% Z$ s7 P0 z + Q" D8 J# O' L6 m0 ~* V* F & v4 T* f) w  B" y& b7 d   J( p* U( r! H4 x- w- o% K 2 J2 f% N$ J) L- |# V+ @8 uUS Federal Reserve Board Discount Rate % a- L& x* E7 Y% |) m & Y$ f; }6 J* S. b/ i0 V 9 N8 V; u( ^+ n8 B9 v4 Z2 W 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 t6 t9 k0 K3 L) ^0 G* z6 I7 Q 3 T# ]: B+ ^7 b5 `" ~ Exchange Rate $CDN($US) * d& m9 f9 k4 { October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada 4 p3 I. x! S& O1 k; p Government of Canada Bonds 3 G" o, k9 M$ l- e/ [8 e* k 9 u% [1 B$ ^; R, I% j4 i4 U" ?, ? . U! R5 G1 n# V$ r& R+ k 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 " i) I! ]+ D; c: Q+ g+ M* u6 D& wBond Yield 2.06% 2.20% 2.48% 10 year Benchmark $ g1 H. @$ R- `/ j4 J6 ]) DBond Yield 2.89% 2.98% 3.19% 0 D* h" Y6 u3 ~2 h0 GSource: Bank of Canada ! w( |) Q* ?4 |+ x % m% ~) q' @' x% m$ G - J5 I4 Y. k2 j/ e: C 2 L! M9 j6 @( e; TTotal New Housing Starts (Seasonally adjusted and annualized) & B5 q; P5 P, O0 F6 n- { Province   _+ J; k9 r& n August # o9 K$ Q" c; V, ~2 P2010 . b* p+ x: n2 e4 ?7 f August 2009 September 9 L9 b+ D: ?% g$ X/ ~2010 $ t/ G- N$ y. q. X" d, W& f2 q( \2 i September 2009 October * {9 c: h) i5 d" A5 k2010 ! p5 H. E' R; I7 p0 B5 v. s October $ L2 K$ ~5 S: n* X1 `6 K  z, _2009 * B) I& q1 s. T6 J4 ?3 g. r4 r8 a Newfoundland/Labrador 3,500 2,400 3,100 2,800 3,400 ) b( m7 o/ H7 O" `1 l 2,900 PEI 1,000 1,000 - V7 T, ]2 R' b$ _1 P4 j% I3 i 500 & ?4 A$ b. k0 I 700 3 Q" W5 c5 l) Y- Q* `0 i 400 1,200 Nova Scotia 3,200 . I6 |- v  F: l* ^9 b8 M3 Y/ w 4,200 9 m  S) F1 @. O8 m0 G' t 4,100 2 t$ b/ n% y3 h/ m/ o 4,500 4,700 4,000 New Brunswick 4 L* K6 |3 m4 B2 F 5,100 " H0 a6 @7 \& j# p$ R 3,700 ! I- q+ ?$ v4 x/ i. w 2,400 2,900 + f$ d/ t8 j+ X5 i! b( R 4,900 3,600 6 _0 L$ h; D0 M% F Quebec 48,300 47,300 50,700 41,300 48,600 % h9 g# x$ w( T( X/ p% ?% V 37,200 1 Y8 p. Q4 T0 j+ ?# Q( U Ontario 8 e7 G( f. Y  I6 D 64,800 7 k$ B1 Q, V9 ]& G3 t: ]. @8 Z: Z 44,200 6 Y4 ?5 ~: v; v5 p. a 58,000 50,200 44,700 57,600   C8 {4 A) @5 G# Z- ] Manitoba 6,100   F! G: k, m0 j) U 5,000 4,000 4,400 3,800 $ K4 a3 t! h  V/ M- S: e 4,200 % N, o! M3 p1 }0 v, j Saskatchewan * O+ F$ H0 |% }6 G: ?! M5 _ 7,700 5,100 ( M0 ?: e6 |# n" ]$ p$ \. D 5,400 9 o9 @$ J6 v; y8 A4 p 3,700 / A) O: K% g$ N  `6 B! ^ 4,700 : m: o$ U& }8 \8 E0 Y7 y6 u 3,600 Alberta 23,500 18,400 27,100 22,600 25,200 ! ]8 z8 \- @5 u 25,000 2 D' j! o& h0 T) w4 Z- h! h British Columbia 27,800 - w/ ~4 f  `9 q  c' z 19,200 29,700 ' I5 R$ y  J4 j 16,200 ! o; H6 q% Y) r  s6 x+ B9 ] 27,500 18,200 CANADA 191,000 8 k9 c" Q9 r: @9 j/ I, y& P7 l9 i 150,500 185,000 1 R& L; Y8 f8 G" I& g1 [ 149,300 9 Z3 ]9 I' i7 _ 167,900 3 ?. v7 G/ {& ^% w* Q3 H$ _, n, ?3 _ 157,400 . B- E& x/ z6 V2 z$ z 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. 8 B7 q% O- W7 V7 d  v 2 t  i1 K% x, g  l' I Average MLS® Resale Price for Local Markets & g! e  B0 [4 ~3 q 3 T0 a& Z/ v* `; V4 d  M ; J9 Y( ]8 a8 R% q& b# S* J. f 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 $343,747 + c# H* R; d+ N! {( ~: [4 J+ ?Source: Canadian Real Estate Association : L: ]0 `+ K) {9 m$ V4 ]8 @, _ , n; R' ~  j9 K5 a" U6 ^: F+ I+ m9 L# ] Quarterly Housing Affordability Index ) H! L- a' k" b. ] Standard Two-Storey 6 Q( e0 S  ?, j$ v6 h: j, X Average Price ( z4 ?( R; B4 C 7 N  l+ ]8 B: W3 A2 u RBC Housing Affordability Measure * S$ l/ e. J' H$ T7 A6 Q, X9 p% @ Region 1 ^# Y6 A1 w. `, d: ~" m Q3 2010 ($) ( M- ]/ S1 [! e: B; E# G: | Y/Y % ]+ |6 n8 U& Y$ b8 i% ch. Qualifying ' R; e' l; Y6 ^& i+ IIncome ($) , g' D& M4 z. C! Y7 r3 dQ3 2010 / p- J6 N( W$ v5 o: l' T+ j4 v Q3 2010 (%) 0 V( G/ ^, t' s+ R5 U Q/Q - Z& u; w8 T3 i- v6 K' q1 |& F6 |2 kPpt. Ch. % c( O( I! G6 \/ t0 |* t5 h Y/Y Ppt. Ch. $ T3 Y, x( C1 c Avg. since '85 (%) Canada 370,700 6.3 ; ]( @, p1 ?# N2 O6 N' S 83,100 - U2 P8 q$ P8 v, I  o8 F, d* ^ 46.3 -2.5 ; F- @7 e6 S; I3 ]" z, G- @ 0.3 43.3 British Columbia 624,800 8.0 124,500 67.5 -3.9 , U3 P0 }0 _& A4 |: x) W 1.4 54.1 Alberta 365,600 5 O% y" c, p' H8 p( l 0.1 # r' u' L( f2 s0 K7 i5 Q 81,400 35.6 -1.8 -2.0 38.6 Saskatchewan . O" p9 y) s) }0 M9 X! W 315,300 5.1 1 v3 F1 X8 m+ N- ]% o/ N 74,100 40.8 -2.2 -1.1 38.0 Manitoba . N% ~( w) E) K 269,700 * e: V# v1 `( D6 n. ~  }1 O; L& P 7.8   @* d5 s7 k4 v. K. Y 65,000 37.1 ! c% U6 ^; c5 q$ Z9 w. g -2.3 6 V" X( g8 o" h+ K8 ] 0.8 37.7 Ontario 388,200 6 v9 E! U/ j2 t# z" W. @ 6.2 - _9 n. |. E, w6 [! H: R  o6 s 89,800 . l: [5 {5 F/ I9 \  B 44.9 -2.4 9 w( C7 T3 _# f9 z  ?4 G 0.4 43.7 Quebec # ?) o" b' L) f' G* u2 N 262,100 # J7 g- D2 }* w; G0 o4 F& S 8.6 ' |3 A8 _5 J4 Q 61,700 ' H& F7 I4 d7 j 41.7 -1.8 - W, F+ V& u$ c$ i5 Q 1.3 $ E; m$ q% e6 m- B: p 38.8 . M8 C- ?) W4 G5 E* |+ ` Atlantic 222,100 4.3 55,900 36.5 ' w, V) d( H1 P1 K3 b- ^" T -1.4 - Z: g# b" D( V4 C4 ? 0.1 + }! h+ J8 t: x) z1 @) H 38.0 ' o4 m9 Z( Q+ ^' k$ x  ]; l Toronto ) s6 J- d  |& T  T) g7 F$ h/ P& q 554,700 5.6 120,400 56.2 5 Y: t* ?6 P4 `2 J0 {3 \3 ? -3.8 0.1 ' H6 E( A! `# M$ Q& }# ` 53.4 Montreal 0 k) ?- S  b! X" Z$ p; G 335,300 & V$ x8 U* Q$ Z& l' ]9 h& V 8.9 + d. H& c. ?& B3 D$ }' u 75,800 9 v& r* W; q& Q& ^2 T7 y 51.3 9 s) b7 e7 U3 N( L( S2 m. ~5 U% r -1.7 . ?1 f  F! r0 q* K 1.7 # d8 H/ A' C, r 41.7 Vancouver 766,300 1 ]' a; b: I1 u9 A/ S 8.4 149,400 78.1   F% t) R0 y' @$ m -4.7 2.0 62.6 Ottawa . H* F4 b2 S  R& b* [; k: S 350,600 8 ?" I1 j& J( j0 h' X9 f8 } 4.8 86,600 6 i& A) ~4 l: Q. @& v) P 40.5 1 y4 n3 F; @5 F9 b. q -2.5 0.0 39.1 Calgary : w- m! U6 x3 @0 O5 Q! a) j 410,500 " v# Q5 _, G  V1 H -1.0 ; k/ c0 b0 a0 f2 Z5 u 86,700 ; O8 t( [& `# e  a! Z$ k4 e 37.9 4 p, e0 _0 s& r6 G- A0 p -2.3 - K$ h. N  O8 R7 V -2.6 40.3 Edmonton 362,500 ; x* _1 p' h8 s8 j; ` 1.2 82,500 37.0 -1.9 -1.6 37.0 Detached Bungalow ) H  F& \0 V% t$ k0 E, g# m Average Price ; v7 g  z1 f$ a RBC Housing Affordability Measure % v! ~% U2 C9 i Region Q3 2010 ($) Y/Y 4 [8 `5 \  P% g$ o  A3 w7 ~% ch. Qualifying Income ($) Q3 2010 Q3 2010 (%) Q/Q # k& E4 f9 T% U+ d3 w. U) h8 y$ zPpt. Ch. Y/Y Ppt. Ch. * i% }) s- Z5 v" R9 r: \; L Avg. since '85 (%) Canada 325,300 6.8 * u6 u: ?3 A  N7 a5 y4 m9 i 72,500 $ Y7 Q# {! N0 \: l 40.4 ' I; x7 W! E: A0 _* }' R -2.4 0.3 39.0 British Columbia ; [+ D& W# }$ T5 C" A& g. |5 [! v 544,700 4 G! k. |6 C  \" y) \ 8.5 108,800 # t, o7 n% m& z7 q5 p, T& j% B 59.0 & m: J; p/ k3 x  G; @& d. L# v. ] -5.0 1.5 48.9 Alberta : o* ?1 M- x9 i: i- ~" _1 B' ^/ C  k 340,500 ( P8 @" {) T& I- ^' U) W 2.9 % ^# ?5 ^: E; o' H* d 74,400 % k8 R* t: o% v8 _4 F 32.5 ' z" ?2 b5 T0 s, a  L& ? -1.8 -1.2 36.1 5 N( W( \  t+ F, m$ w Saskatchewan % Y% J! ^* g4 O: s6 i 312,400 6.3 , s  ?2 x( N" Q- y8 ? 70,900 ) e  ]2 z0 [& o# ]5 q0 q* }9 } 39.0 -1.9 ( p- P$ W, t/ r -0.8 * U/ g- ?; J$ t. { 36.6 Manitoba , G* f0 G' @& p3 ^: u 251,000 3 l. {& b3 p& G 9.2 ) G6 D) O$ H2 d* o( Z& v 60,800 34.7 . @* B" U1 t0 \# T -1.4 " k' j7 t) q  ~0 T6 G3 [& h! A: a 1.1 6 u4 N: K  p9 p4 ] 36.8 Ontario # q& g. J9 o4 K: O9 R4 J 337,400 6.1 & c% p  @; }2 E1 b0 s) g 77,900 38.9 : H9 S2 i3 }! K+ U0 [4 W8 _ -2.2 0.2 2 d: E9 M2 ?7 k  v 40.1 # F& R+ W/ D" p Quebec 221,600 9.3 6 |9 `, N, o" I! h/ z2 V5 z4 f 51,700 - I* J: e3 K' q' T 35.0 -1.4 1.2 32.9 9 m  h- _) a4 A7 x Atlantic " S8 M- i" `! {7 i& u 196,600 2.3 ! {6 ~6 ~$ D6 G: M2 k 48,200 ' {* u. W4 b* r  s# a6 N1 p 31.4 7 X! ?2 Y6 w* P1 w0 r+ N -1.0 $ \5 p( g9 R' g8 L -0.4 31.6 Toronto 0 r9 d; T* ], D' N8 U8 ~ 466,600 5.0 ( ~! K) o& k3 d& n 101,100 47.2 5 D& Q7 d! m. G. b: a: o -3.0 -0.1 48.2 Montreal 0 I' G' v$ C0 z& E5 c3 m8 } 271,100 11.8 61,600 8 y  \" d% \; \, k 41.7 -1.3 2.2   y+ C+ @  q0 S; j" f 36.9 ! @* s5 K( B) o$ k Vancouver / I* F( e4 @: n6 n  B 672,500 4 U$ s2 o4 C, S* c) M5 L 9.7 2 [( m( }: J, r; P# b$ i8 r% k' \ 131,600 68.8 -5.4 2.4 6 ^* h( k  z7 t* L 57.3 ! e8 C- V$ N2 Y/ |* B- _2 d& [; u Ottawa 340,800 3 @, Y* w/ O1 D# l% l 3.4 - R! J2 ]* d" _! w" k 81,800 6 G  z; ~3 ?8 ?; @ 38.2 -2.9 -0.5 36.6 Calgary 3 T, }- L* [# O2 p 412,700 2.7 . k; I9 S. j* d 85,00 3 H( _6 o; ?+ k6 v( i: V 37.1 $ `7 a# N% n6 a- O* ^ -2.0 -1.5 39.9 ! @( W8 W! Y9 t' Y Edmonton 322,900 5.4 72,900 32.7 % m1 m. C: j( r2 [ -2.0 -0.5 33.9 ( g2 X+ H4 \( {( s  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. # w: c8 j# w" }* X! O# d

衣食住行

很有用的信息。
支持！

uil

hycao

今日议息结果如何？

年轻的心

不变

年轻的心

快讯： Federal Government's Mortgage Insurance Changes
3 Q( j& G! l# k9 W
This morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     

4 W( A. y% O0 ~8 o8 X, mThese measures include:

Amortization 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.
3 Q3 l. j9 m4 b6 P6 |; s
CAAMP will continue to update members on any new developments.

- a1 x" ~% c8 j) n# G  J: V2 tFor additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

kismet