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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 % b: ^' Q0 H0 X& x, x/ J( @
3 j6 f) v+ j2 z& ?Tuesday, November 25, 2008
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" ]7 J# e: v0 r! R8 G/ Q0 Q& z% U1 R CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones:
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5,250,000: The number of Canadian home owners with mortgages. 7 y1 U' }0 ^4 f6 j* }% Q
29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. . X; p$ @9 W H* P" \! i
86%: The percentage of people renewing or refinancing that stayed with their existing lender.
! o, I* S5 v, s# w* E" k$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average. 3 K/ ?$ b: b7 _! `6 u
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%.
. k# D8 j1 R7 p& a/ h/ C1 z$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. q/ @2 B! X7 M
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years.
8 a6 t' d' p N; R5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
6 b5 C) e1 i3 P5 T y. ]0.40%: The average interest rate improvement realized by people who refinanced in the past year. ) g+ o" N( I4 P9 d
1.59%: The average discount off of bank-posted rates.
9 k' s9 _ i3 v! Q8 a1 H1.96: The average number of quotes people get when shopping for a mortgage. : F8 m/ Z: q, W; G7 d1 Y/ P% G
0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year. / W1 c5 A, Q+ o: u. J+ q
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. 7 O8 r4 t, q/ t. q# O6 f
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
6 l& ?% r" H6 V1 d7 G" \Peoples' favourite mortgage terms:# P% x9 |, N; I; q* n: F7 B
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1-3 years: 29% of borrowers ; p( u" Z3 h6 z( A) E
4-5 year: 61% of borrowers
# V4 f/ b5 F8 R7 X+ {Over 5 years: 10% of borrowers/ X6 M8 f3 L* o- S% V
CAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.
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, b2 w: e# u2 AThere's also a big trend towards variable rates. 40% of mortgages were variable in the past year. In CAAMP's 2007 report the number was just 21%. CAAMP says that's because "consumers may be expecting interest rate reductions." We'd also like to think they're becoming more educated about the long-term advantage of variable rates.. }# f6 Z+ N7 Y! L
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Where did people get their new mortgages this year?+ n5 Z$ [9 y6 l: l
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Major banks: 47%
' ^( w$ ?- K8 VMortgage brokers: 35%
3 c, E/ p; T# ^5 A, H6 \9 NCredit Unions: 11%
( Y) i! d& I' J+ ^3 F5 OOther: 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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