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发表于 2008-11-25 15:19
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Canada's Mortgage Market - CAAMP Report
Canada's Mortgage Market - CAAMP Report
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Tuesday, November 25, 2008 , a! V4 Z" u, B V8 j
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CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones:$ V0 W! W! I! u" b
! T9 g! n4 T7 a1 M5,250,000: The number of Canadian home owners with mortgages. 6 |+ X" u6 Z* d3 g: E7 o# P t
29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. - h) G$ r) E4 a V
86%: The percentage of people renewing or refinancing that stayed with their existing lender.
% @. M- t; d8 U8 U4 p$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average. $ j1 a% C3 ?4 k: K6 V4 d
22%: The percentage of mortgagors who took equity out of their homes in the past 12 months. People are spending more because last year it was 17%.
6 S2 y) B( `- |6 T' Y6 M$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation.
# g* I2 k2 Q+ h# e9 o1 Z- @( b50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years.
5 f$ L" _# ^4 l2 r3 X. U) C" C1 ?% u5.41%: The average Canadian's mortgage rate. Last year it was 5.56%. 8 N/ i. V! m! ]- t
0.40%: The average interest rate improvement realized by people who refinanced in the past year. * Z5 Z7 J9 O5 C9 C$ P9 l$ u
1.59%: The average discount off of bank-posted rates.
# F5 P3 O" `+ ?1.96: The average number of quotes people get when shopping for a mortgage.
: z3 ~; c% Q/ @5 H- `0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year. 6 \3 K: G; P$ f% |" |
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. ! v, u: W) s. m3 X
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
+ ` S% @% m6 j% UPeoples' favourite mortgage terms:# I& k0 |' |; e7 t: W' T/ F5 J, N8 Y
/ ^9 L( a1 _! s1-3 years: 29% of borrowers
) A3 j6 K! e% \3 q9 @4-5 year: 61% of borrowers
& Q; v8 x! H+ s7 W* e; ]* pOver 5 years: 10% of borrowers' I0 C1 F2 v- L
CAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year., G$ Y8 k; ?$ v( a+ N
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There's also a big trend towards variable rates. 40% of mortgages were variable in the past year. In CAAMP's 2007 report the number was just 21%. CAAMP says that's because "consumers may be expecting interest rate reductions." We'd also like to think they're becoming more educated about the long-term advantage of variable rates.
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4 v* B" I9 X1 P$ uWhere did people get their new mortgages this year?
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; h/ b% p; }9 I2 m! HMajor banks: 47% 2 p; I, R% s" N; E: \
Mortgage brokers: 35%
6 H6 l* z7 D$ z& ~- M" o" qCredit Unions: 11%
' |, Z9 n- Y/ `6 h! r# FOther: 6%
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楼主: 郭森房贷
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发表于 2008-11-16 20:47
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