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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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8 F( a2 T9 J& gTuesday, November 25, 2008
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n# y+ ?; N% l3 d CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones:/ \/ ^; N8 o8 h2 f/ x) C7 F4 |% m
8 s& z/ U/ l9 r: x7 |3 m, r5,250,000: The number of Canadian home owners with mortgages.
$ ]2 |9 C3 R6 m% p# Z5 j0 `1 A. O29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. % k& O; O& ^, g' [8 D2 I
86%: The percentage of people renewing or refinancing that stayed with their existing lender.
! ~! t( ~! a. A/ _5 u) h, C$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average.
& A% V9 B: B' V5 T4 t' g22%: 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%.
4 s0 g. ~) |0 |7 | L& l) k) A$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation.
( I$ l, O8 f9 G" Q8 f, m+ i50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. 8 T" A% [+ s# B2 k! H; t8 q5 l1 Q
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
3 ?: E6 E1 e3 J0 L+ M0.40%: The average interest rate improvement realized by people who refinanced in the past year.
( L% H a9 Z* b( o5 \4 I, n1.59%: The average discount off of bank-posted rates.
9 _& V+ R+ O. f8 z1.96: The average number of quotes people get when shopping for a mortgage. : h( c5 o# m( k
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 T& K, X2 G! \. g
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. ) W- d. K, F1 c3 y
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared. 6 U9 L1 _# n. _8 e# l
Peoples' favourite mortgage terms:
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8 M/ P& E: B* _+ J R1 G1-3 years: 29% of borrowers * g( \" l& H, c% Y& d/ e3 A- }4 Q
4-5 year: 61% of borrowers / R' W( H9 B! V1 g: C
Over 5 years: 10% of borrowers
& j, a* q* r+ ?$ CCAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.8 r, r3 c2 j8 d Y) \: Z
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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.$ `0 D2 u% f2 B) {0 F- G+ O c7 V4 J
& ]& Y+ i+ n( P7 u0 q# mWhere did people get their new mortgages this year?
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! f( E' v: Y' s; \Major banks: 47%
; i+ E: G2 y1 S$ E: d6 mMortgage brokers: 35%
" X* w2 Q1 e fCredit Unions: 11%
9 N* w3 ]" g& POther: 6%3 t) U. y) S- e% i) C5 B. ]# f
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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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