 鲜花( 65)  鸡蛋( 0)
|
楼主 |
发表于 2008-11-25 15:19
|
显示全部楼层
Canada's Mortgage Market - CAAMP Report
Canada's Mortgage Market - CAAMP Report
- h* T/ x! ]# L8 y7 z' U4 r, }
9 h) O+ `4 S( VTuesday, November 25, 2008
1 k) K4 V7 I) Q3 x
& N( R" S' ]$ O: K' i CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones:
1 _0 D2 S) m. N; `) v t
$ F1 T$ q" l! D, h9 z5,250,000: The number of Canadian home owners with mortgages. " I9 s9 h8 F9 X8 L
29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. * P% I1 `' y% _# W* J, ~$ ?* A% @3 H
86%: The percentage of people renewing or refinancing that stayed with their existing lender. ' v c9 s! u+ ?2 K
$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average. 5 q7 @$ K0 p/ M
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%. " n6 m' e) ^3 _0 x0 V, ]
$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation.
7 k9 \$ W- M$ e. O1 X50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. 0 q& ?8 p" m9 a: G
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
# i/ D0 p( l# [& Y, c0 s0.40%: The average interest rate improvement realized by people who refinanced in the past year.
5 Q! ~% ~ e9 u8 @8 q/ u+ j2 p1.59%: The average discount off of bank-posted rates.
) p( K6 U/ |0 G1.96: The average number of quotes people get when shopping for a mortgage.
$ ?# q0 ?7 f& ~ @1 J0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year. ; Y5 I3 o8 u/ C* `, j, z
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. # F' e1 q( O1 L- g( z* h
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared. % Y# S. {' z' c) {% d9 r
Peoples' favourite mortgage terms:; y$ d8 F a8 P4 c! ]
& I1 n; W% ?/ w( o* P1-3 years: 29% of borrowers
! N/ ~/ p6 j/ ~4-5 year: 61% of borrowers
. \, k1 v! ~! v% I- kOver 5 years: 10% of borrowers
U. w* J; w5 Z) QCAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.
/ S" ?1 |. ~. D4 y1 Y2 }2 r6 k# P9 w( m0 c! Z% m' v6 k# p0 L
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.& j% K9 f1 O+ I6 ^4 x4 ~
% x l4 N" G6 h% J2 u4 s- s
Where did people get their new mortgages this year?8 f. l8 L; c {$ e- z. l$ ? H4 ]
" A# Z" Q5 I' D' B
Major banks: 47% + t' V& B3 D: }( C' o( B$ F0 P7 ~
Mortgage brokers: 35% ! H6 [9 F* J! S
Credit Unions: 11%
' n' Z6 ?* z7 U; n# qOther: 6%
$ C0 m3 T* r9 I* S- W& A) ] |
|
楼主: 郭森房贷
狗仔卡
发表于 2008-11-16 20:47
显身卡
