快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

+ Q& ?5 z9 [( w' i2010年12月

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 / ^( t" @# h$ |' @( M2 k* W; E, r Bank Prime Lending Rate + q; t8 K0 K8 e$ S: p9 O ) u4 H: m" t6 u/ Q3 ^+ b. R" l" q8 S / I) ?% e0 K9 F+ L0 { September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada + t8 F! {6 d: q3 d5 v3 e. r0 l% o 6 S+ P6 ?  J7 P5 s* b 2 K. B7 r9 F. \7 r* U) _. MConventional Mortgage - 5 Year Rate* ' z1 N( R2 W) P % j- T! q% \- P9 L9 n# `0 F September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 ; }& m+ r. ?, h 5.44 % Source: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate : W$ e6 W, S+ r3 z7 }   c" e! H6 s" p$ I9 s ( y$ M4 ]4 d, ZUS Federal Reserve Board Discount Rate 2 m6 d4 u* `# \$ |6 Q0 o4 c5 J September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date 2 s  q2 E0 H& TSource: US Federal Reserve / n* q: B* J2 a9 X6 i- } Exchange Rate $CDN($US) 2 K/ @) L+ i$ P* L" ~0 ?0 k October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada 4 \9 W& L! }) E6 z, x" ]  t8 k ; o, d- D  E  L" [/ j0 V* m) ^ Government of Canada Bonds Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1.21% ! W! X# B7 D3 B& l1 Q- ^ 1.27% 1.39% 3 year Benchmark Bond Yield 1.59% 1.73% 1.94% 5 year Benchmark 6 F. B; R6 }) G1 k3 |7 i9 I' }Bond Yield 2.06% 2.20% 2.48% 10 year Benchmark # g/ p. k$ h% [Bond Yield 2.89% 2.98% 3.19% : t* c; a: B4 V2 DSource: Bank of Canada " ^% ^" i( i6 x) \5 B: j0 N8 a5 F3 M 4 j) S& s- W, ` 7 \% a/ s+ I+ G% R, tTotal New Housing Starts (Seasonally adjusted and annualized) , l3 R. W9 i, @. N( ]$ g& Y/ J, v Province , B$ }1 p3 W! K6 m: n" O" u August & ?0 s) L4 k4 n) v8 Y. O2010 7 j2 q; Y# h4 [" F$ O August 2009 , [2 b1 b0 N3 n/ }6 F6 a0 W6 V September 2010 6 l; H7 h1 b3 z! M6 a September + `8 G% _7 i1 _  e& ~2009 October , R6 Z. C, ^* j2010 October 2009 Newfoundland/Labrador 9 w- `0 L% Y' E, i 3,500 2,400 0 ?6 a+ U$ I; f1 A5 C; R: s: n 3,100 1 o/ ^* q" Z. y 2,800 3,400 5 r$ `% l, W; Y2 u8 o 2,900 , Y' q. l; A4 s# z PEI 1,000 1,000 ) ?1 z! y1 j; _; m8 g7 m" I& x 500 7 |2 l2 ^2 q7 P 700 400 9 Q) {7 I% P4 S9 v, A7 w$ ?0 O 1,200 Nova Scotia 3,200 4,200 4,100 / t' D+ e, N8 E3 ?- S) P# z 4,500 " S! D: |* U# l 4,700 ! e' l$ ?: `2 k 4,000 New Brunswick ! E/ H) W( a! c( f/ g2 I8 g6 t 5,100 3,700 2,400 ' g# u1 ]8 g, h# C2 b8 Z 2,900   r: s- v, q; J( |2 X 4,900 ; |- V; }& ~: S( h; W$ q" x 3,600 Quebec ! j& ~2 G! s/ | 48,300 ( z# u3 M6 ~( E1 u 47,300 50,700 % e5 H9 M* ?2 Y( S3 W 41,300 & ~2 D4 q$ A- y& N6 ?( f 48,600 2 O9 P! {8 `' P  @ 37,200 Ontario 64,800 44,200 - n) P$ W1 ~# {1 ^  B 58,000 50,200 44,700 57,600 Manitoba 6,100 / U4 }( {6 d7 e 5,000 4,000 4,400 3,800 / [# Q) o0 N1 U4 f3 D' b6 w) J 4,200 Saskatchewan 7,700 : n( W( X( {* x9 z  s 5,100 ; ?/ E! @2 k3 D0 r4 L% P/ | 5,400 8 t; l( g- }  K: s/ q) ^* m0 U" k 3,700 8 U8 ]6 G( h# A* j) }& U4 R 4,700 3,600 . _* [; G0 R8 l& S* @" O Alberta ' e1 H* L" G0 x8 D9 J1 G6 n 23,500 18,400 27,100 ! L) t" H6 R) ]7 O. p8 L0 y 22,600 $ \" M) V9 _6 \3 B+ M 25,200 25,000 4 }$ w$ q" j1 R+ R% p British Columbia 27,800 19,200 & j* D: p: h# K$ w& c2 [% l 29,700 1 ]( a1 F1 w( p2 R/ l 16,200 27,500 18,200 CANADA . M* b1 Y4 |; t4 S7 r 191,000 5 g. i+ _, Z  t* y: y 150,500 185,000 149,300 7 U. G9 J. U/ K! [ 167,900 157,400 $ b" U* T; G$ B( p( m ( v. j; k- g2 y! _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. . d% h. t+ Z0 ~ 3 b$ G; A/ P) v1 ]# \8 f 3 g, W& S, I1 W- G6 C " y4 j4 n0 o7 j# O % I/ v! t5 \1 x; t% BAverage MLS® Resale Price for Local Markets 8 Q% g( E. q, }. M- J$ Y 0 C2 b/ k8 k7 A' k4 M( H" O 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 $343,747 + q  P0 }6 R9 q4 ^- s( QSource: Canadian Real Estate Association ! E9 s+ Y; V* F . m! Z9 {) R7 r; C. u+ J ' w1 h4 b. a( l3 @+ @; VQuarterly Housing Affordability Index Standard Two-Storey * E8 o. K1 [0 s' a Average Price 2 E# h- z2 m( P9 ] RBC Housing Affordability Measure : i6 O1 i, A) r. l! s' V Region 3 E( {5 R& w) l Q3 2010 ( y4 v& b* v: {4 o, j/ |($) 8 V/ z, g( e1 R4 }! J Y/Y * ~$ A" j1 u" C4 m3 E; y8 g1 ?0 T% ch. $ Z' e/ H* E- c- l Qualifying Income ($) 3 D1 P! X7 s. P6 ]0 PQ3 2010 * G7 a  b4 Q" c" H; j Q3 2010 0 Y+ W: [$ U2 C  O- z% v4 Z(%) Q/Q . f3 E; }. v+ ^3 wPpt. Ch. ' ^- B' A& J4 j1 E7 i Y/Y   K5 D0 K- t, b! W+ n0 `2 O. ]Ppt. Ch. 8 E2 G, L! [( D$ X Avg. since '85 (%) Canada 370,700 2 v# M6 G- X1 v 6.3 83,100 7 q2 Z) t$ t# x" M# [3 Z 46.3 -2.5 " B6 A% q; e3 B8 l 0.3 43.3 " E% R9 g+ Y  A* j% Y British Columbia 6 y) }) G% s5 N4 X 624,800 8.0 2 Q9 u) O% A- n! ~, T( X 124,500 ) h9 C7 Y% j1 J# D1 V2 K, L 67.5 -3.9 : ?1 ?  e1 \$ F2 ?. D# S2 K 1.4 54.1 - _) u) v1 C: x Alberta 365,600 % ~4 I2 Q, ~, M: a  J2 a 0.1   C+ P& I. x' b. f: k 81,400 35.6 ; W( K9 A; s  N; w, @ -1.8 -2.0 38.6 Saskatchewan " f/ j  ?- B1 D' C) q5 | 315,300 & E# `9 M+ d6 ~5 j, [ 5.1 ! R3 V9 ~% T* v6 ?5 z  S$ y8 _ 74,100   T2 r0 v) c) O4 R 40.8 -2.2 -1.1 38.0 Manitoba ' Z. t& K; n" u: z8 g 269,700 & L  I; p2 T" J 7.8 65,000 ( S" @. h6 n( Y0 f( M 37.1 -2.3 0.8 37.7 Ontario & A  I- Z: }* |7 T! ?6 H 388,200 6.2 ) E+ n2 S9 E: \: s* K/ z 89,800 44.9 / b- ~* q- z. m; i -2.4 " [9 g6 x1 K7 Q' y 0.4 43.7 ) ^# G5 a" |9 F2 S Quebec $ t( b8 @1 ^- V 262,100 " ^5 Y" P5 |" y 8.6 61,700 ; Q5 @# [3 O2 f 41.7 -1.8 ! E0 z/ E9 Z# ^2 h0 q  `2 | 1.3 " E. I1 r8 ?- ^) l5 W* o5 u6 I 38.8 8 B7 R- k. v9 }: K+ W Atlantic 222,100 4.3 . p& @( l% r3 P0 ? 55,900 * |2 }( y$ ?, S$ m+ K 36.5 5 Q' {" g% u, y- \- s! d  ~$ X -1.4 $ h# ~9 s2 C3 o& x1 _  G 0.1 38.0 Toronto 554,700 ' H: ]$ n- |' J0 E3 ]& D) v 5.6 $ @6 ~$ A9 \  V# N' P 120,400 1 _- p0 T3 s, D4 N* K 56.2 -3.8 0.1 53.4 Montreal 8 B& R. o$ R3 u' S 335,300 8.9 4 x" s. c6 c, A3 v6 a% `" y7 k 75,800 51.3 : U2 N' E& U9 o) I' ]& w -1.7 2 S' h, `  j- B- [7 U 1.7 41.7 , d9 ]6 z4 V9 f! X, h- D Vancouver ! W1 c4 o/ @0 {  n( i& w8 @# F 766,300 # |- {4 N& e: p9 n* K 8.4 " ?+ c' v& i$ t" | 149,400 0 z. b7 f. A# ]4 A2 }/ s- o5 N- U 78.1 % O5 d# N, c  I -4.7 2.0 62.6 ( k, ]/ S2 h; h Ottawa 350,600 4 a$ q3 t9 p2 W( t  w+ v 4.8   w) A% o7 t7 T$ F- @& {- } 86,600 40.5 -2.5 3 s! t- J' R. S6 E$ J 0.0 39.1 Calgary 410,500 -1.0 0 l. J5 k; ~8 V 86,700 . c& Z: G2 x! T2 G 37.9   @. M: A5 Y& O; t2 E -2.3 -2.6 * k0 e# }& [( ~) |/ P) r+ e2 p+ z 40.3 Edmonton " ~" P6 r, Y- { 362,500 4 Z- v; z2 W  n 1.2 / D0 n2 w. q+ W4 g8 f. i 82,500 37.0 -1.9 -1.6 37.0 8 T  [- x) w, T" E8 |. x- C$ N( C Detached Bungalow Average Price RBC Housing Affordability Measure Region # ^( O) G! C7 ]) U Q3 2010 6 t4 N) o, |' k($) $ m" d1 ^9 C. j) T8 s& m  K) _" J6 V Y/Y % ch. % c# s- c; A1 P/ A7 ~6 F Qualifying ' `* v1 @3 p3 j8 @6 V( mIncome ($) ! u* W; \7 Z6 n( G$ I7 KQ3 2010 ' w/ `2 J5 F* @  {& T' H Q3 2010 (%) Q/Q Ppt. Ch. : B! A% H4 w4 e Y/Y 1 Y+ O! R3 F5 v/ PPpt. Ch. ) g& P6 g8 g- {9 \7 h- f' W Avg. since '85 (%) Canada 325,300 6.8 72,500 & C& l# q! r! }# D5 t9 V 40.4 0 D! Q, `6 f# u/ F, d# d -2.4 0.3 + I0 E7 k8 N# m* c4 c2 R5 Z$ W 39.0 ! W8 y) m' D, J, ? British Columbia 9 S. K4 ?, U1 g3 {' _5 X2 S$ w 544,700 8.5 108,800 " h% o5 [; ~. l* E4 U: i8 Q 59.0 -5.0 + A8 h  R8 v/ G! l3 H- ^3 P9 y 1.5 " j! w9 i( ?1 p& R! ^8 d9 J9 l 48.9 ( Y; a* ^' S  n- m' c% Y+ }0 D Alberta 4 k) h+ z$ N/ T/ B4 O; E 340,500 * x5 m# s$ I: A' L 2.9 ; R& N9 B/ Q0 Z2 Z  n 74,400 32.5 ; B3 R' e1 S; G9 x -1.8 -1.2 ) R8 O6 u  j5 t! T; M& N 36.1 ! t# f$ G. x& H1 ~  W Saskatchewan 312,400 " D  ^# K+ T4 j3 f9 { 6.3 ! j* S1 m8 x" c9 |: Y, S 70,900 ; x5 s# |$ H) c( j6 |: R 39.0 ; B& c8 Y' u# J0 U( L  s) ` -1.9 -0.8 ; C0 R8 O+ j: K8 ] 36.6 - p4 |% y3 G) h7 e! ^; [3 n Manitoba 251,000 9.2 ' _/ e. Z0 I2 O* ` 60,800 ; y& V0 h' f8 O4 G! c0 G 34.7 -1.4 4 v2 M; }+ T$ D0 t6 [ 1.1 9 h/ T- y. |# i( K9 ~; T; j 36.8 1 {, U+ r+ h# } Ontario   C8 g, T) M/ y) ]: D% S5 } 337,400 6.1 0 j, {! H3 Y* S& l  s- h, | 77,900 0 g, k5 Q3 z% m( B1 K& a3 L8 E 38.9 ) \. g& m- i  A3 m3 C( k( X -2.2 0.2 1 n' k9 b1 B: ]; B5 B7 U- M7 `+ H 40.1 Quebec 6 _; W8 s$ ]. K' i 221,600 , m, v8 J3 b4 W/ e, | 9.3 51,700 1 R/ M- {  S) L9 Q$ X 35.0 " f( d/ M9 o7 E# b, ~  {$ D -1.4 - I* y1 {3 A( x1 |# ]; \' B 1.2 32.9 Atlantic 196,600 2.3 48,200 31.4 2 }# A- W  x. i/ k8 w* R  U -1.0 - Z+ f" y5 k; P. Y -0.4 " ~6 i' ]4 Z$ E2 v 31.6 " d+ h& U2 H2 z4 A Toronto 466,600 $ ?8 v: p% r0 J7 F 5.0 " F& u' T& |7 W 101,100 9 q* w; m- E2 c* ~( O7 p( Y 47.2 -3.0 , B  \. Z2 M; p2 _7 T -0.1 48.2 ! H/ Z2 [& O5 ]# q/ H Montreal 271,100 0 d% b- l& C. _2 c: ` 11.8 9 T- ^" Y& L% C, r: Z$ u 61,600 # x$ F6 O8 N* E1 n* p 41.7 ) L7 r* ^! o0 t -1.3 2.2 * S: e$ _- h" l  J 36.9 Vancouver 8 `6 R' f. N0 s$ v' D. B8 U. h 672,500 9.7 $ T) K$ B! L% X% f 131,600   [8 h# a- M. d2 ? 68.8 -5.4 . b% L5 Y% H2 C) S% R4 F  Y1 T 2.4 , ]. l. S* s& C+ Y7 ? 57.3 # U6 ?8 L2 v7 f) }1 ^( f, W Ottawa + a/ S! B/ j1 A 340,800 - V) x# L1 ^( u 3.4 6 S2 n* X) O+ ]* y% X 81,800 ' y% z$ F+ `2 S: k5 \9 t1 u 38.2 -2.9 -0.5 , s4 t. H( U: N2 b 36.6 0 @6 v, J+ f. V  v1 J: t! M) _ Calgary 412,700 2.7 85,00 37.1 * ^6 I- l) T5 g4 M -2.0 ! \( |3 j3 R; b) u6 U -1.5 39.9 Edmonton 322,900   m% C* ~2 Z9 e& u- r 5.4 * U9 X: w8 n# X 72,900 " w( I! R0 N. a/ B  c3 J( @" A8 t( L# f 32.7 -2.0 ' H5 g0 d; q1 F( A' s. X* l -0.5 3 e. `/ t/ q! U4 y$ M8 K/ v2 X  C 33.9 2 W6 n% ?7 F$ M4 y; r; B2 \$ { + m! H) A1 P/ o& b" }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. 8 u4 l( ^- i: M# O' v6 @$ X" P ' U% s9 @$ e# B( P5 x" C( }) A1 g) l

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
8 [5 B+ A! |' H5 a- V. r( c
2 }$ l7 m/ ]$ X8 }8 L  N7 p1 N, sThis morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     
3 A' t. L; d4 w
& p. o$ {, x: u# q$ l5 W6 ]These measures include:

Amortization period capped at 30 years
2 p/ v( e; i, {5 q0 W( BReduction of government backing for home equity lines of credit
! O& ~* g5 v1 @Maximum refinancing reduced to 85% from 90% LTV
0 }3 M; ?* S: _3 b# ]$ n) ?: ]There are no changes to down payment requirements as CAAMP recommended.
& v( I4 Y4 B2 E% G1 H0 U- q# }
8 u8 i! t7 U" s) N& O! OCAAMP will continue to update members on any new developments.

; ?: f/ g  j) {. u, aFor additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

kismet