 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 : I8 Q5 `1 S) H Z
# h! i! @8 K8 A' L' l" e. K& G4 ?7 s
Tuesday, November 25, 2008
7 b8 e* s4 O' g4 ]' W) |3 n
; L+ D# l5 L2 j: P, s- x1 Z CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones:
$ B' l& l1 s* u
/ r5 x2 J3 r- A; h* m7 w2 c5,250,000: The number of Canadian home owners with mortgages.
, \# M4 e+ P* v4 e% ^5 W, ~7 J4 l$ P/ g29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months.
+ J r Y4 w6 t86%: The percentage of people renewing or refinancing that stayed with their existing lender.
1 s( \+ ^% ]) }- `3 n5 Y( R/ [: I6 x$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average. 6 c' C9 ]. }9 p$ I) g6 p
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%. 4 r. L7 V v4 s$ i" ~9 Q. @
$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. 5 D; { k/ }5 ?& T I
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. ( L+ i" ~8 C# H9 }5 N
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
4 a( c( a8 Q0 k' ?4 y3 x# J5 E; O0.40%: The average interest rate improvement realized by people who refinanced in the past year. . q3 _; z4 t4 X( J
1.59%: The average discount off of bank-posted rates.
( K* Y. F" `0 j( r+ e. `$ }1.96: The average number of quotes people get when shopping for a mortgage.
1 ~) U2 G, T# x0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year. 6 s$ c4 r& v) t. }, x
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009.
( f0 t: G5 u6 O l5 } V/ S& n36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
( \ O' Y4 r R8 aPeoples' favourite mortgage terms:
- ?# G6 S$ R, W% |9 s |5 s) D! z( k
1-3 years: 29% of borrowers
7 G+ ]' C9 q0 C4-5 year: 61% of borrowers 3 ?3 A+ @- F1 \
Over 5 years: 10% of borrowers
2 V7 s4 V4 p/ j3 {& e& Q, eCAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.) Q/ Z: ^5 k S% O9 K
9 g: s8 F: j A! k9 ]8 V: J Q
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. r! F6 m1 M' c7 q2 B C3 Q$ }/ p# t
( k' b7 q% _* yWhere did people get their new mortgages this year?
1 u$ y# T" F' J$ F' B6 q- {5 Y2 i5 Z3 b( W" w5 s, [$ ]8 [
Major banks: 47%
5 k& U% j- t( ~ MMortgage brokers: 35%
) k8 S$ K6 I1 p- n7 u$ u! }6 aCredit Unions: 11% / G& k- T8 M* l) g& v9 }& L
Other: 6%
: t5 A( N9 `0 N; T+ g* { |
|
楼主: 郭森房贷
狗仔卡
发表于 2008-11-16 20:47
显身卡
