快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

2010年12月
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Bank of Canada Interest Rate September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada 8 n) n# J+ \. h% zBank Prime Lending Rate # ?* w" [2 b0 r5 I$ Q+ d; I September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada & I- ]7 E+ K8 I5 g' i , u' q" g1 B7 \5 L' k  w% F! g : p5 T: z8 k0 p; M) R7 l8 RConventional Mortgage - 5 Year Rate* 1 t9 Z8 l( l+ I# Z+ ?4 n$ G7 X* X , g3 r$ F  w+ l) Z - w2 E0 z: h8 O/ H! x0 A September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 * D) ~' S1 k. h 5.44 % Source: Bank of Canada , U* H% D- U8 q# h0 Z$ t. d*Determinant for high ratio mortgage variable qualifying rate ) q  U/ k) ?* \ ! `6 \! Q6 r) i   Y; I* E; z# ^4 k$ O+ g* \! x US Federal Reserve Board Discount Rate   W# ~( K  o0 h1 ]5 w2 b- [6 G6 U0 t: Z September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date + L! E. {; Z: q/ `7 ]8 j. W3 vSource: US Federal Reserve ' w, ~  g  D' @; z. m   O1 o2 m* B( `* N$ ] ( P0 O# @2 C! | 8 D* e5 j( E5 {1 I3 s& _# PExchange Rate $CDN($US) : O# e0 t+ G2 Y8 O' g October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada ( b3 E6 o1 _! J% {& s0 d7 D! s ' y5 i8 v' ~/ M 7 O! C8 Z& j4 b0 v 6 S. V- D, n0 a7 mGovernment of Canada Bonds , |% W/ m; z" D8 {& r( w5 Y ! g; ~2 y2 [7 m Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill ; P' @& M: p- A9 x 1.21% 2 |- j% P8 e7 I/ @1 x9 i% W) h$ H 1.27% 1.39% 3 year Benchmark 3 l. t* d( I% U$ g/ k, \Bond Yield 1.59% 1.73% 1.94% 5 year Benchmark Bond Yield 2.06% 2.20% 2.48% 10 year Benchmark 9 ]9 ~5 Z$ _' O! Z, p" n8 EBond Yield 2.89% 2.98% 3.19% ) I9 o' L6 `8 Q( e5 h3 z; q3 M* |0 ?& vSource: Bank of Canada 3 O# s$ F) m- X+ o   ~% y6 I( h  P$ z Total New Housing Starts (Seasonally adjusted and annualized) + O* Q, o- v5 P% ? Province August 2010 1 w2 Z4 z; s# g# Q August % ~8 S* O6 h' n2009 + |; Z. x0 Y, w  ^* k' s September 2010 September 2009 - Q1 a( [! {- \1 {. O4 Z4 O October ; U7 o9 [) }0 T% `) L5 x8 G% ?! l2010 & j' l6 O' m# E: O/ F; T October ( v" L# E% e( o2009 5 f0 N4 \( \6 _* ]" ]4 @" T; C Newfoundland/Labrador 9 O6 F9 w% S9 Y" V% E0 l8 h3 j& _ 3,500 : k. l4 x: n4 r# R( r/ v 2,400 3,100 2 M7 R7 w% r+ O 2,800 : O* X7 J+ ~& Y. }7 e' W 3,400 3 m$ W- N2 i: e4 } 2,900 PEI 1,000 , D2 V$ s5 I8 G' Q8 X 1,000 % u  x7 o# l* h/ w( I) o5 T! F 500 " E4 U6 D! V9 {: \- ^ 700 400 1,200 Nova Scotia * v: q" N- r' Z$ W 3,200 4,200 4,100 8 |) Z- ]' I& j6 i6 ~$ J 4,500 4,700 4,000 New Brunswick 1 e4 V2 {7 ~7 r  N& c 5,100 ( f+ X  A! U  `/ Q3 _ 3,700 5 z- c5 A$ i. m+ U- a( X% j/ ] 2,400 7 N; v. o( @4 G" l* {4 D 2,900 ; U, X, s) f% ]: Z6 L, g. Q1 I# A 4,900 - |/ ]& o3 C' `6 m$ u* s 3,600 ! p4 q* \( z' E" y! T Quebec 48,300 % G/ N) q- M& M; t 47,300 50,700 41,300 48,600 37,200 . @# B' V' i' O. z3 V Ontario ( N( S; `' t: H/ L 64,800 3 d( F# m, x) f; ^1 W 44,200 58,000 ' E% ]4 D5 v" j; r 50,200 44,700 ! t1 f$ i9 e6 [3 f1 u) x 57,600 3 t; \+ x# ]( C0 c8 W Manitoba 6,100 ' Y2 P( H9 ~1 A* i, R" m5 e 5,000 5 K/ q* n9 {$ n! i8 B$ X9 n# F 4,000 $ l1 H; F# i9 B& w3 C 4,400 3,800 0 ~  c3 H# ~3 R- Y3 ?; P 4,200 9 w' X  C7 T6 b( R9 x Saskatchewan 7,700 . }7 I# ~5 c* G. K( K; X! A' Y 5,100 5,400 - F9 g" m2 P' \9 h" S 3,700 5 O# Q3 e3 ~, f/ P 4,700 + g0 Z6 u% D1 f; y/ [; s+ Y 3,600 Alberta / y1 d! V  T3 G8 r% B$ Z 23,500 - P5 v' A4 v$ H( k- f 18,400 ! ]0 n/ d. i3 C/ @8 m# J 27,100 22,600 25,200   ]; F. f9 y3 o/ g( b 25,000 British Columbia 27,800 19,200 3 {5 L& n" N: N' k5 v! K 29,700 + ~9 P* Z$ C9 g 16,200 27,500 18,200 0 x& {# s( x+ r% U+ `7 E1 }; @ CANADA , ^0 \) v8 k! g& _1 r7 e 191,000 / q3 W6 f8 @/ \/ ~4 h6 u 150,500 4 u1 c/ a1 o" P1 S( h 185,000 149,300 167,900 9 C4 S5 b9 _8 f' y9 k' \* z8 a8 W  R 157,400 0 t5 @: @; T, c8 O 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. 1 {$ o3 r0 F$ ^1 R8 D1 Z $ h4 ?: `' J! ]) r- ^* \4 S ) s/ _4 ]+ x0 C: P * `* w  m3 S  a2 x$ X; dAverage MLS® Resale Price for Local Markets 3 L0 v" U+ q+ G: v- k% n+ A City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 % p. f% N. k+ k( a$ K: ?' L' m+ S $165,032 Quebec $219,440 $246,918 Montreal $285,100 $309,638 Ottawa $320,561 $305,872 9 `: O3 R9 s- m 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 $343,747 Source: Canadian Real Estate Association 2 H, E2 T. M6 p' ~7 u# C8 d % S, U9 N- V& g& D Quarterly Housing Affordability Index : L# [- _! M9 k Standard Two-Storey 9 t& f: g( V( ~# j1 i! Q Average Price RBC Housing Affordability Measure 9 y) _' d2 z1 ` Region Q3 2010 & H4 c# a0 J' c($) 9 `' z, A7 M+ z% f9 T% L3 Q. K Y/Y / A. r9 d, w: y% ch. Qualifying * E! v# p# u' ?+ ^1 A9 wIncome ($) 0 @3 S9 j! j! S, |Q3 2010 0 e. ]/ o( X1 E8 | Q3 2010 (%) & t; n: `# z# ^/ J5 L Q/Q   a9 X, {; y- ?1 uPpt. Ch. Y/Y ; f4 J) y9 \1 F) \8 O- [* N" mPpt. Ch. Avg. since '85 (%) & H5 B" t) ]/ d2 e) x Canada 9 S0 j# G2 K' _* x2 `4 q 370,700 6.3 83,100 46.3 0 U* E1 G! G7 r) n5 h4 M$ [ -2.5 0.3 43.3 & o0 e' `- B0 z British Columbia " P1 T8 p. N+ p5 Y/ H: P' \ 624,800 8.0 ; g( Z$ F% x- k, W; y9 w7 f/ u. Q( t 124,500 , Y8 V) C" a0 o; M) a5 R8 w) H 67.5 + }+ f; J6 n$ ^6 G -3.9 7 u+ }5 `3 r& X# W0 | 1.4 54.1 Alberta 365,600 0.1 81,400 ) y8 L! V) B9 i# s# U. a  k 35.6 -1.8 -2.0 38.6 Saskatchewan 315,300 + o# A, |+ M# `4 {  d& f 5.1 & `: V# I, n; w' p% \ 74,100 40.8 9 o; _" t9 O  a -2.2 -1.1 7 `* I( Q1 L- M$ \; e& W4 C+ u 38.0 8 U3 z& `( M- ~0 ]$ D1 Z& d) \1 \! u Manitoba 269,700 7.8 65,000 37.1 # p  `" G8 ]  i6 u% G- d" F8 [ -2.3 ! n) }  d) L+ ]% C; t) `3 @ 0.8 + s& ?$ z" B1 U8 y7 o 37.7 Ontario 388,200 + o# D& k9 [" N4 h- d/ W9 M 6.2 $ Z" S' Y: N4 p2 m) }8 l7 Y 89,800 44.9 -2.4 , a" H+ `- ~% P 0.4 43.7 6 A# h9 D  |0 q# D& Q Quebec , R% t- `# M7 m' F' D2 q 262,100 8.6 " p3 V# l9 H3 l9 V2 ?& Z 61,700 # v6 J4 ?9 _, t. m) F 41.7 4 z) |. ?& ^, ?' p -1.8 1 Q1 F- T6 v% q$ p 1.3 * W' ?* e+ Y  }. h 38.8 1 h8 a. {4 e: Q# ~2 y; A Atlantic 222,100 4.3 8 @$ P3 I! S9 ]# W0 }( W 55,900   ~. c8 u/ B, u1 A6 q 36.5 & n. p( ]8 i, Q, M -1.4 / w7 \8 ?: d  [/ n; ^7 f& i. E 0.1 " K: J( U+ \/ p* Q" I! B1 ^. W! H- t 38.0 Toronto ( d) E1 F; k2 ?' F) V 554,700 5.6 120,400 & p+ n# W  f, q 56.2 -3.8 0.1 ( ^( k5 w% ]6 p  e% M 53.4 . Q0 j7 r( x" l# V9 x3 |) c Montreal / M# k: }8 J3 p9 P% V8 G& v 335,300 - y/ o; _$ q& y& j8 l 8.9 75,800 2 b0 B7 X: E4 A- B0 \% L7 e 51.3 -1.7 1.7 41.7 & U4 w6 _+ o: d$ _( [ Vancouver 6 D! k3 v+ q0 a8 i" d/ O 766,300 # G8 i3 S, _4 `) v% d# }1 G 8.4 ' u4 m8 J% @# C: c3 o: { 149,400 6 X% g: u6 i' W  e) I9 k( Z1 O 78.1 9 m( Q3 R* @" G' o% F -4.7 # K% _8 |! n5 e- }$ k 2.0   p2 N) o$ ~' m+ q- |8 A 62.6 Ottawa 350,600 4.8 86,600 0 r3 G; J0 W. q$ z 40.5 -2.5 0.0 * q. J- {4 A) J5 j4 x6 d2 ? 39.1 Calgary . p  N% ?  s" h4 T9 Q! L, u 410,500 -1.0 " q* O" T. _7 [4 f/ t 86,700 7 r' `; U/ w+ M2 m0 p 37.9 -2.3 -2.6 40.3 Edmonton 362,500 1.2 82,500 ; S8 W' ?& N  u. _; }! ?' @* n+ ? 37.0 + Q: k2 B; k. C -1.9 9 w9 P) S1 P& f -1.6 9 a, L2 K2 |) L$ N7 l6 c 37.0 Detached Bungalow 7 N; }( \1 p" q$ i- V" D Average Price & t3 T/ ^7 A6 L+ Q5 q( b8 F RBC Housing Affordability Measure 6 c- ^* n1 o) C" a Region Q3 2010 3 g, ]& H# H0 }/ B1 U($) Y/Y % ch. " U4 h+ X3 E4 t Qualifying Income ($) Q3 2010 / O/ r. A# J6 \3 k6 t Q3 2010 (%)   ^8 R( K5 m; H: e) W Q/Q Ppt. Ch. Y/Y Ppt. Ch. . Q4 |+ D( w! i% ]5 s" c' V Avg. since   y0 o7 a9 |1 V9 n; ]'85 (%) 1 s% d% _' T  f1 m$ Z  x: Q+ D Canada 8 N) @- Y! \0 l" P9 R, ] 325,300   X9 q5 d# v1 X7 D+ n 6.8 + t4 ]; z# K/ C$ F 72,500 / Z. l" |1 }; P/ Y 40.4 -2.4 0.3 # J! Y& T% R; C# o. i7 K3 Z6 n$ f  | 39.0 British Columbia 544,700 8.5 108,800 59.0 1 }9 a* j6 e' O -5.0 ( g- d8 c2 W8 e& T! G: V4 s 1.5 48.9 ' A8 {/ y: C% H& h# K Alberta 9 u/ u" |( N' e9 \% o$ ^% z 340,500 ) y3 y8 c- A: Y* P2 R  N5 Z; K9 n: n' H 2.9   x) L4 b8 R* E& C( i 74,400 32.5 -1.8 , n1 Y: A" F  ^* D -1.2 6 e0 @& l; p# N. P 36.1 $ U% k9 w8 f9 N! V Saskatchewan 312,400 % ]; _  t! K  ? 6.3 70,900 - W9 X( s' p+ T 39.0 % H0 U: t0 j8 ?$ z8 v -1.9 1 w; y! q; ^  r0 G -0.8 36.6 ! g, f5 Y. ?0 s Manitoba 251,000 # M# u- s" O! A! A+ g+ V 9.2 ! D" \) Z% E. g- G/ B3 o) g 60,800 34.7 4 A- a  u7 c6 _, {/ w -1.4 1.1 4 a4 ~2 M% ?- g) n 36.8 Ontario 337,400 + S4 `5 p4 ^# H: D1 ^ 6.1 77,900 7 Y8 l5 o' g1 y- V) d; a- \ 38.9 $ o2 l( p% @6 H! c -2.2 ; [$ S+ B7 Y) G! y3 K" y 0.2   \8 Z4 o6 a* ?  E+ m( l5 F 40.1 Quebec $ B( Y& R; o% J) L9 l 221,600 2 ?# b9 s  c+ x' _0 j/ |* l/ d 9.3 51,700 35.0 ) m9 i& b" h% r% B -1.4 1.2 32.9 # u# e+ Z: S/ R( S* z5 w( g Atlantic 196,600 ! L" L" @; c5 e: Z, t, s 2.3 48,200 31.4 ) l4 X8 c, M$ g  J -1.0 5 G' h  x  I- `8 ]: {, a# C -0.4 . R7 l8 O4 q) N! D 31.6 Toronto 9 ?8 \7 X. i# Q# C2 F7 D# w 466,600   U5 O( ^! p& \4 S  b 5.0 101,100 47.2 + N) F5 T% L% I# K+ Y# J% G -3.0 -0.1 . B- K. m. h: k2 H 48.2 Montreal 3 s; T2 O* K" n6 |5 r$ {2 t6 f 271,100 11.8 / w6 R* _) l, P: r8 e# T6 }/ X( ?! | 61,600 5 D! C% H4 `) v: @; n1 I: c 41.7 ; g2 {& J# l& ~1 u( T: P/ N' j/ t -1.3 2.2 $ {( ?: h/ Z2 V3 d! H 36.9 Vancouver " B& E( s4 P! w3 f 672,500 9.7 131,600 0 [) h) J* E* y  k- a6 B  X" { 68.8 " a- W; A+ D2 H -5.4 $ u! M' r: d# O: W 2.4 - n7 y' j0 U/ B2 U1 ^1 f' V* V+ @7 D7 Z9 h 57.3 ; }" _1 i8 t! b* f, @- Q Ottawa 340,800 3.4 6 |* _4 N2 T% d$ ]. ]! p 81,800 7 w0 l& x! r( \/ _/ c6 K, e 38.2 & S: H+ y6 y& x; } -2.9 -0.5 36.6 Calgary 4 v& q  g& Z0 ^$ }# r) i$ I1 u 412,700 2.7 85,00 37.1 -2.0 -1.5 ; E, ?8 H( U  k" |' U; } 39.9 Edmonton 322,900 ( m( W8 }2 \1 f  Y& S" X  f) f 5.4 72,900 32.7 3 s+ P& L, \3 S: \4 R9 Y -2.0 -0.5 : n* `5 [2 t0 u 33.9 " h, X. {- q+ @8 q, J' u2 V 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. ! g/ L, Z! ~; j+ C

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9 r/ N& Y7 [/ I
3 ]4 m' i9 z) x$ ~快讯： Federal Government's Mortgage Insurance Changes
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% h- v/ I  E$ U9 ]This morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     

/ T' ~# W( ?+ C0 EThese measures include:

Amortization period capped at 30 years
Reduction of government backing for home equity lines of credit
" M$ p$ |+ f0 A& I0 O; v& zMaximum refinancing reduced to 85% from 90% LTV
$ R1 D1 @+ W% w5 J$ u) KThere are no changes to down payment requirements as CAAMP recommended.
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5 E4 F0 }- k7 ~0 m# L4 ZCAAMP 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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