快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

2010年12月
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Bank of Canada Interest Rate ; o& U. K6 c' O2 a# o5 \2 _ September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada + Y+ t" k# p, O( p7 ` " [! C# g$ l6 g; k5 ~6 E2 t ! U" A0 s6 q7 [3 {% `Bank Prime Lending Rate * N) R4 {7 x$ G7 p5 M9 S+ T 9 x) S/ k: M% x3 J8 Y3 v September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada 2 m5 e  j5 _$ h 5 t3 x% k3 w: Q! K4 x Conventional Mortgage - 5 Year Rate* ; P! i* Y9 ]3 j0 i" f  F : J/ _8 S7 h% K4 R September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 . s# [3 ^/ @) [/ C* n0 \. B% v# s 5.44 % $ x( @# F' V8 {8 o* w  p( xSource: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate 2 a1 R" p: I/ j* B . u( y7 I2 b& K  K5 ^ US Federal Reserve Board Discount Rate : I$ I  j9 g0 x( I6 D; k September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date 4 E1 `# Y2 z5 e" N$ X4 Y0 L! `Source: US Federal Reserve 0 x7 k; R" P* B2 e3 q  |( B- } Exchange Rate $CDN($US) ! y- ?5 B8 r; e* m! V& U October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada ) c; @1 X# ]3 ^) L8 z5 A + F  b+ n6 Q8 C9 [; O7 WGovernment of Canada Bonds : o# ?. K3 {% M/ B 7 C* ^8 d$ T# u7 q7 F Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill ! ?8 [* u5 S3 W# J, t 1.21% 2 T: n( L4 t$ H4 J* j' y 1.27% 1.39% 3 year Benchmark % @* o% i- F+ G9 r5 T  nBond Yield 1.59% 1.73% 1.94% 5 year Benchmark , L# q, G9 L/ ^Bond Yield 2.06% 2.20% 2.48% 10 year Benchmark Bond Yield 2.89% 2.98% 3.19% & r1 {% n" f4 \0 lSource: Bank of Canada ( A$ `4 K$ |4 l& u0 y% o + n2 d: A- _8 `- bTotal New Housing Starts (Seasonally adjusted and annualized) Province + o- e$ O2 y" U( L August 2010 August 2009 September 2010 September 2009 October 2010   o8 L# T! \3 X- \9 n* Q October , R: V  ]8 J% v/ g2 X1 c" L- q* E2009 Newfoundland/Labrador ! Y0 t# Y; b5 M, {; R2 H2 i8 O# C 3,500 ; _  X! }) t6 c6 F$ l 2,400 3 t" O2 t! h8 ~ 3,100 2,800 3,400 2,900 PEI ; x% z1 h& H& N6 E# X/ e; F 1,000 2 i* r" [/ c2 ^5 ~8 c 1,000 2 h& a- [) H$ b0 H, d' J 500 700 - x' q& F5 ^! n- @, N& @9 _ 400 1,200 , U7 z# @8 v: ~/ N' w Nova Scotia 3,200 4,200 4,100 4,500 4,700 4,000 ' C+ ~& x$ G& D& p New Brunswick 5,100 3,700 ) o: p: A, k% c2 c 2,400 & ], s' x/ {9 F- n. l 2,900 4,900 3,600 Quebec 48,300 ) F8 F) _( m4 u* C* ]9 V 47,300 , v: U7 W( S( v* e 50,700 6 u1 j6 G- g0 ?* }* S" Z0 F 41,300 . i8 F* o& H9 I$ K& u$ t! r$ c; y 48,600 # Y+ N$ w4 t- n3 ^- Y6 { 37,200 Ontario & J/ |2 Y3 m/ P7 G1 u- k- u; w# C$ q 64,800 ; p5 \7 O5 q! [" W 44,200 ; ^- n1 r( [* n4 \, B. k 58,000 3 _8 [/ P% }1 H4 g 50,200 44,700 57,600 Manitoba : Y& N# b% P' `6 Z0 { 6,100 5,000 0 Q) m& R5 e5 Q$ A5 @3 N 4,000 + K1 y: R+ G# q6 F" p+ [ 4,400 3,800 4,200 Saskatchewan 7,700 5,100 : I! g0 h6 ~8 P' O3 P1 T0 ?7 ^ 5,400 . g! E' d' a( F3 Y7 T, l2 b! k  Y$ Y 3,700 4,700 $ P  P/ d  z9 m" {0 L% \$ W 3,600 Alberta 23,500 , O7 N- w) f/ [ 18,400 $ ]) C1 r+ n+ n, I 27,100 ; J& h8 ]6 V& p7 P1 R) o 22,600 25,200 25,000 British Columbia 27,800 19,200 7 i9 j3 \; O/ j/ z3 ?! m9 b 29,700 & Y% ^2 D& n. }, |# E7 A: r0 O6 E 16,200 27,500 18,200 CANADA 191,000 150,500 6 o8 k% b7 W$ ?8 s  P 185,000 % x7 s' W# o6 _6 g: e 149,300 . h( ?& o7 F* g( u 167,900 157,400 5 x: N3 A" Q. K/ B, D5 s8 P3 K Source: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year. & w2 g. n# z9 i+ k0 y, ?$ Z 6 r8 x4 v, ^0 \3 z1 M0 K ) ?$ a3 v' v9 x+ T) u) O: I ) y% m: [( t$ s! E, ?: A6 ~ Average MLS® Resale Price for Local Markets $ t( `, I4 D+ T* H6 D* K/ w3 W - l# n1 y4 u* G& o City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 $165,032 Quebec $219,440 $246,918 Montreal $285,100 $309,638 Ottawa $320,561 $305,872 " y) @7 ~* G/ \4 ` Toronto $423,507 $443,633 Hamilton/Burlington $296,253 $305,872 Winnipeg $210,618 $229,467 Saskatoon $274,759 $293,929 Calgary $393,574 $399,679 Edmonton $351,768 $317,096 Vancouver $638,948 $707,207 Victoria $481,500 $343,747 Source: Canadian Real Estate Association   }" v! G/ P% f3 C' r 8 y$ U% e, Z% S Quarterly Housing Affordability Index Standard Two-Storey * W; d% I3 h. I' N; {* X; v7 g 4 M3 H* Y. K$ t* z9 }) `) b1 V Average Price   M" Q, g. |' i2 k. o RBC Housing Affordability Measure Region 3 H) f# k. J+ s9 l3 T6 U; l Q3 2010 & g- V. X  g- b5 b* j) b($) Y/Y 7 Z" W+ x$ g' j6 t$ m% ch. Qualifying - X$ u8 V$ u% C& D7 E$ VIncome ($) Q3 2010 . R* Z' B! f' q1 J% h; W: H Q3 2010 (%) 5 p8 a+ _. i' P5 r Q/Q , ^: z( \8 H" x+ F7 x  \Ppt. Ch. Y/Y Ppt. Ch. 7 A9 U+ M3 j6 i0 y* C Avg. since 7 c; }( w- @' ~  ['85 (%) 0 c: g" j( K$ I6 M% Q* B Canada ( x# C4 H! t/ }, n: W 370,700 6.3 # B  E% r* G+ _ 83,100 46.3 & e9 D( U' C3 G' E: S- \$ h6 G -2.5 # f$ }# z+ k0 t, W, K. e 0.3 6 Q/ |/ q$ A4 ^+ |6 V, i 43.3 $ Y" Z8 v" B. j5 g- b British Columbia ! t8 _6 j8 W  r$ v 624,800 + R! W1 p, {( p; z8 g, [5 Z$ } 8.0 & p1 ~3 a, A5 k* ]( ]1 O 124,500 ) {" r" f" T% h$ L0 k 67.5 , Z! e, P( Z  a -3.9 1.4 % T5 l9 d* s0 b- n6 _9 l# X; p 54.1 ) J: ]: [9 y1 q" J Alberta 365,600 0.1 & F# r0 O! k1 W 81,400 35.6 : D, t3 ^" [. g  |* u5 C5 O -1.8 -2.0 ( {4 S1 B$ P' ` 38.6 Saskatchewan & S( v' Q  m; v" B: [6 v: ^) [( Q 315,300 8 S$ J3 u- n* |4 D: S! Y1 X 5.1 74,100 2 h. R$ I7 e9 J2 e' r4 z 40.8 -2.2 , B: Y6 o; i, R% m# e0 w -1.1 38.0 $ {1 ~. l8 K- m3 V* M1 F Manitoba 1 ]6 _) g! c! Z& e: Y 269,700 8 b9 a$ X5 p$ w% d( w 7.8 ! A( |- t) U% T$ Q( [& _ 65,000 37.1 - F% g3 U) c; w* h. a, |4 G* d -2.3 6 e5 Z% ?1 n  e% k, c 0.8 37.7 0 ^) U5 ]* i  a! h! o/ \' [ Ontario 7 m/ Z! ~  K7 e0 c. o9 B 388,200 # y8 E% ~8 B. `  N2 k6 G 6.2 89,800 0 g# x1 Q* l5 ~2 o4 i: C 44.9 -2.4 ! _" q2 I  B5 S0 K4 K& c 0.4 8 H2 r+ ~+ W; }- D 43.7 Quebec 0 i  a" u  H( O* {9 O2 K% ]9 c 262,100 8.6 61,700 . E- }  J& b0 q; m% u, R7 H 41.7 . c& Z' x7 z% a* G( P -1.8 1.3 5 [# C4 P6 p. ^6 x9 l6 u. m) x 38.8 Atlantic 1 f8 J! Q* v$ _5 }7 D8 N% |7 X 222,100 4.3 55,900 36.5 - E. r1 N* O! j7 ?3 V -1.4 - ^3 k. t7 o2 t8 S# `& r 0.1 38.0 ! A& X! I8 R4 J& t3 w. R0 ^ Toronto 0 Z! U5 x( g' u8 G9 n 554,700 6 z9 _5 Q! o* }8 A; X8 v 5.6 120,400 56.2 . W" w! b4 \. d) Q -3.8 - G) s5 [9 O/ n, j$ _9 m7 @2 L" h 0.1 / Q1 k7 Y: E8 q- H. n( ^ 53.4 Montreal 6 n+ r9 N8 v! I- k2 I 335,300 8 `, P  K6 Q8 Q: w 8.9 75,800 51.3 % ?5 m7 q8 Z+ Q0 O4 C -1.7 1.7 7 i: X) o# i+ i8 N 41.7 % Q# ^: @, F% f+ `3 Y7 m& H; r Vancouver 7 O$ v& C3 k* Z! E, H1 s$ Z 766,300 4 `2 |! ^7 B( B0 u, p3 s5 ` 8.4 6 F% F6 r' s3 H* N& r* b 149,400 + X9 @9 b. f. K) D 78.1 ( b+ l: ?3 Z6 R; u9 w+ ]( B -4.7 1 |9 }9 Z" J4 W4 d# f' ~" M 2.0 62.6 4 \6 B" {; n9 a$ g5 J* n9 I  A: P Ottawa ! }7 N$ E: z6 Z7 d 350,600 # ]7 N! S6 \% G, A 4.8 ' x" W5 j9 f- h; ^' \+ I; m 86,600 & b$ f8 i" M# [% p 40.5   U7 o# _5 g, t0 ^ -2.5 0.0 39.1 Calgary 410,500 0 K& c* h% M5 P: T2 ^/ M& @) X -1.0 86,700 , J5 p- C: Y1 u% ]5 w: u, B 37.9 -2.3 ! n: y' L( W( n! a -2.6 / ]( d2 G9 Z! g5 e- r 40.3 Edmonton & m0 U# u) Z2 b* T! N0 f: g 362,500 ; X6 }( @/ D6 o, O- W8 a2 t( ^ 1.2 82,500   g# V% r9 [# q3 w9 u5 a1 P+ a 37.0 -1.9 -1.6 ; E! g! K  r+ J  W% m. p. c 37.0 7 M1 M# N$ O5 B! N5 I9 U Detached Bungalow ) Y2 \9 [0 q1 p Average Price RBC Housing Affordability Measure # C1 n. O7 o! C9 Z2 l/ U Region , r" Y- g& A5 p6 b% [4 O* c( M Q3 2010 . F& S. @, J, s- @- e($) Y/Y   `5 m: d$ X, S1 z$ V9 B% ch. . U/ O, F5 S1 O& `2 }# {) C Qualifying 6 A/ }$ @0 f) p* QIncome ($) 7 D& j: K$ {# c/ w# hQ3 2010 Q3 2010 ) K$ X* s- d% r0 K. o7 z7 B' I+ M(%) Q/Q 3 `4 ?: w0 _# B( SPpt. Ch. Y/Y Ppt. Ch. Avg. since '85 (%) 9 M- T, c" F; A6 a0 J' D Canada 325,300 6.8 9 V! s/ a. F& v1 J 72,500 40.4 + H2 z9 s) q; [4 |- R, C2 f: U* \5 _ -2.4 0.3 * M- E+ [+ W' s$ ^+ z0 W$ [ 39.0 British Columbia 6 [& S, l/ b' [, \2 v  q1 S  o# [1 F9 |3 c 544,700 : x% _' H# Q: ~. [% c 8.5 3 g8 E6 Y+ M! ? 108,800 : D, @. }4 r4 y3 W 59.0 -5.0 1.5 # P, p* h$ ]" b( W; d 48.9 Alberta 6 x* j9 V1 b( V$ \3 U+ L 340,500 ) Q; ]: @# c& t% F% Q9 `. p 2.9 74,400 * U9 E) S$ P" S6 w& w 32.5 1 \$ Z5 M3 [; Q, U* C -1.8 & g8 O% b2 |/ E0 \6 [ -1.2 . @* l* d$ J0 `0 C8 M 36.1 Saskatchewan % i- U" P! k5 p8 R5 A 312,400 6.3 70,900 . r* l9 F0 C" c0 `- m% W  G7 n$ g 39.0 -1.9 / P. `- ~: B4 y) G0 \ -0.8 ( O7 ^7 X2 P7 [0 r 36.6 Manitoba 251,000 9.2 60,800 34.7 -1.4 1.1 2 z8 o/ y; F% w  [, |5 w 36.8 1 K6 }' O0 r: K+ V; b/ g# | Ontario ) D, \6 q9 W# e8 [ 337,400 1 l0 z9 O* T) u; m$ h( }( n 6.1 - o) X; A) h6 \! v% H7 i0 T4 O 77,900 38.9 # S* v7 N+ V& ?$ \4 x -2.2 0.2 40.1 6 ~  P# x6 B( Q/ b) Z& |9 H Quebec 221,600 9.3 51,700 : [$ ~3 c& Y3 c- R& s3 f* q/ p& X 35.0 7 g* r  r: ~  k/ u% H -1.4 7 q( O9 B; d6 \; S1 D# k9 g% v3 C 1.2 32.9 % k9 W; o) N9 h/ \4 Q Atlantic 196,600 3 X5 z7 j7 a  ^& I4 D" o 2.3 48,200 . \2 C  N5 N6 R" w4 k- V4 C) W( |) V 31.4 -1.0 -0.4 31.6 & W! @, s1 S& Z2 O+ s1 ?; l6 m8 I Toronto 9 G$ Q: j+ Q9 b1 C$ j- E 466,600 ; o' C: F5 I! p9 k. g& M7 P7 F# P 5.0 101,100 8 M3 v# a( O" {$ u2 L 47.2 -3.0 . Q) p, _, p; v1 W7 j4 Y -0.1 2 E$ I0 s3 r7 ~: x 48.2 Montreal # B( I$ t; u3 S 271,100 11.8 : c' T( y) @5 l* {" w 61,600 0 N6 x5 V. @9 H" \8 V9 @7 r 41.7 - Q$ J8 u0 h1 A$ X0 q5 f# S3 p -1.3 2.2 & s& O; w8 ]& z: n1 E 36.9 ( y" H  Z: z* P9 H1 S/ L4 { Vancouver 672,500 2 C( ]- K) o  D( T8 t& s6 f4 Z2 M% z 9.7 131,600 " e% ?5 r& \+ q* {+ P) H6 X4 { 68.8 0 W  B. g) K% Z2 l1 f( l -5.4 2.4 ( H' C, v! B+ l$ b' Z4 S 57.3 , }2 a( U; E" g* Q/ H Ottawa 340,800 : b( D" S1 T1 ^" X2 ~0 B9 K 3.4 % B1 h' t4 F, _! I 81,800 38.2 -2.9 -0.5 ; H- o- Q( k( \' S' @4 Z( E8 R6 I 36.6 ! ?) }5 w4 ?7 }2 f5 Q- f! r Calgary 412,700 2.7 8 R2 @9 r; K* Z' f' I( I4 k 85,00 4 s6 c& G1 _9 H. [- }* V. ^2 j 37.1 -2.0 / b" e1 W4 E' H: q! U+ @  g -1.5 39.9 ) D+ N  i6 Z" m$ H Edmonton & ^- O+ x6 \* `; Y- C, ?% e 322,900 5.4 72,900 7 R- ]" W6 p- G4 @/ h 32.7 -2.0 6 d4 O  a. i* O$ a! w -0.5 33.9 ' N- Z" D' X% l% b/ A) W . ^+ c* }0 D- W, _Source: RBC November 2010. The measures are based on a 25% down payment, a 25-year mortgage loan at a five-year fixed rate and are estimated on a quarterly basis for each province and for Montreal, Toronto, Ottawa, Calgary, Edmonton and Vancouver-metropolitan areas. The measures use household income rather than family income to account for the growing number of unattached individuals in the housing market. The higher the measure, the more difficult it is to afford a house.

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6 r& x3 u+ a' `0 E快讯： Federal Government's Mortgage Insurance Changes

9 R3 ^4 b& {$ a  m* T0 U: f' AThis morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     

These measures include:

" N& S! e% \$ h6 A% H$ ZAmortization period capped at 30 years
+ s& W) A7 D5 RReduction of government backing for home equity lines of credit
Maximum refinancing reduced to 85% from 90% LTV
2 Z* @; g7 P7 A8 I, Z& S) I+ vThere are no changes to down payment requirements as CAAMP recommended.

CAAMP will continue to update members on any new developments.

* v( l- a  t! d. IFor additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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