快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

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Bank of Canada Interest Rate September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada " d' ?8 S0 L) R% b3 y, A $ M7 S6 H5 [" o; P. q% N Bank Prime Lending Rate 7 g6 X0 t- U" Z" [  b4 B1 Z September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date 7 v0 \/ i% m/ U0 PSource: Bank of Canada   R( j( k3 c# T) T& \ ( D' a5 r' t3 P & ~, m/ S6 w3 M' u" ]! Y  jConventional Mortgage - 5 Year Rate* 7 U; u& |4 X; i4 C: ]& G/ w September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 5 M, q6 Z' q: S* d* l 5.44 % Source: Bank of Canada 0 S% J1 s! U. Z2 z( v7 \0 `% [*Determinant for high ratio mortgage variable qualifying rate 2 x( ?9 a( ]' x. j 8 K5 G$ l! z  d7 BUS Federal Reserve Board Discount Rate 8 E: i  j' p+ [, n1 U6 j September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date ; M7 `4 l: R$ L2 b2 ASource: US Federal Reserve , A. N" ]9 U7 q. L4 s1 I & R# Z" e5 \" |6 Q 4 ]: [% q3 |3 A1 W. |/ I8 I2 m + Y2 F; \! Y0 i$ _8 {Exchange Rate $CDN($US) 0 C- b2 G3 G5 ]6 t/ E( r5 {8 u October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada ( Y; R3 W2 f7 @# I$ X  @ * C8 X* l3 I# }, f9 ^3 f $ [" T2 s, U  g: h7 O$ V& W , Y8 N" w3 S' |! U* XGovernment of Canada Bonds 2 X% X; p) G0 y" D+ @% |. o/ l 9 U: c% H& M0 N! R4 r4 C5 U 0 j$ n- }8 i( J+ h' P! D+ ? Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 6 c  S' k( u: j; H+ o( V; t 1.21% 1.27% 1.39% 3 year Benchmark 5 H! M( ^) ~$ V0 @) R: tBond Yield 1.59% 1.73% 1.94% 5 year Benchmark Bond Yield 2.06% 2.20% 2.48% 10 year Benchmark 4 R+ X" c7 f3 |" \  X, ?0 b+ z% H. zBond Yield 2.89% 2.98% 3.19% ; s0 e6 L* J* ?3 ~+ ZSource: Bank of Canada " l  e0 T/ M& ]+ _: J+ Z8 ~% L ) d1 q9 u  J7 q: j( R( F 4 G0 U" H! y; ^  k   v% A) B2 d2 U" m9 ~  D! { ' B! n# k& M3 s6 V. Z; w) w Total New Housing Starts (Seasonally adjusted and annualized) Province 9 u. ?5 u+ a* w; Q- Q% y- E' f* @ August 2 w1 F! a" D( N9 `2010 , m3 T9 Y# s- q% ~ August 2009 # }* w* \% n1 Z4 L, K, j9 m September 2010 / Q; O( O( m, X- w) F6 K September 3 b  f) i: Q4 [2009 October 2010 " M7 {7 O, }$ f0 E& } October 9 J: `3 L: P; S3 Z( I' ~9 ]2009 Newfoundland/Labrador 3,500 % o% N# u8 v: z( T: _& p0 r6 i 2,400 ' L8 s5 R5 t% P9 L7 R" Z: A 3,100 1 |; h1 i! R8 ?+ h( W0 O 2,800 3,400 2,900 , _( r: `$ B1 T& Z5 u3 f" p PEI 1,000   @7 U% `: u( F, G# j 1,000 500 ( c9 N( _- t$ C% t1 b( x. X 700 400 1,200 Nova Scotia # ]" {6 o$ w8 n, p 3,200 9 W( ]5 ?$ x9 k: K/ Z2 ?. ~ 4,200 8 \" [6 W5 U0 j 4,100 4,500 4,700 4,000 New Brunswick 0 C% p: Q  {, C, v( m; } 5,100 , _: F' ~% O! n 3,700 3 \. V: }$ s! i% l  \2 |$ H1 T 2,400 2,900 4,900 3,600 Quebec 48,300 , |2 v; b* ]9 ?: z2 ? 47,300 50,700 41,300 48,600 . ?1 y' v# F4 J 37,200 1 y% ?/ l6 i) M* z' K Ontario , T# ~3 ]9 [5 u  u 64,800 . r* T3 q0 @" Y3 E: q. N 44,200 58,000 50,200 9 r* c) y( x% |3 i+ I* ^ 44,700 57,600 Manitoba 6,100 5,000 - c+ i: M8 t3 t8 T& z 4,000 . A. I- O6 n7 p  z2 Q% l 4,400 & P, G! w, P. c2 }" O, [, a 3,800 4,200 3 e1 B* a/ S7 `9 ]; f Saskatchewan 7,700 ; g0 |1 Y: K# V  E; D: E% W! m6 Z 5,100 5,400 3,700 # N2 T% F; E; L* O' Q" h 4,700 1 a: ^# P1 d# i# n 3,600 " F! n' C2 [; g5 T Alberta 23,500 18,400 27,100 # T* u9 c7 ~) F 22,600 25,200 25,000 British Columbia 1 y4 a- c% S7 c) Q4 ]7 \" o 27,800 2 t- R$ o& p: t4 O# {0 _& m9 F2 t 19,200 29,700 16,200 27,500 + d+ K+ v1 C7 ], u6 b& {# ^1 V& M  g 18,200 $ H: D$ V2 N1 X; j- o: g, y- { CANADA 191,000 150,500 9 L( y" q2 L0 ~4 _/ X  V. v 185,000 149,300 ( r5 x: {! T( j, }, n4 j! V. C3 R 167,900 " `) m/ P; W4 G" a& ^' t 157,400 . l+ {. V$ ?7 `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. $ s( V3 x" n! V- X+ F" ? 1 m& l- q: K1 D% c3 \  |, p! H3 n 2 g! ]( z9 P, J8 @& A, j Average MLS® Resale Price for Local Markets % y: R8 V) h, N9 B6 S) \ 4 `; m, ?% f' W! P 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 $305,872 0 s/ D" u6 Y; h7 f: j$ s1 d 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 $343,747 Source: Canadian Real Estate Association 3 w+ ]% z+ ?& ^+ s3 Z, E6 A, a + ?& V8 v2 e8 P1 L9 r) f7 \* @  ^ " e# R* v& |% D) U8 u' X+ | Quarterly Housing Affordability Index Standard Two-Storey Average Price . T4 v: P5 \; d3 N   S5 Z/ b/ W1 O/ @ RBC Housing Affordability Measure Region # O5 `' D6 x! ^ Q3 2010 ($) Y/Y % ch. Qualifying 6 b8 J- N2 n( W, ~- M& CIncome ($) 2 a$ W+ P9 U3 ~; Z  U/ Q# \Q3 2010 ! u4 y; M& D- K% k; J9 u# L Q3 2010 (%) Q/Q Ppt. Ch. Y/Y ) }8 E; Y* s& w- aPpt. Ch. Avg. since 4 J* g: H3 A7 r5 @'85 (%) 0 T. S: l# p/ t+ {* r7 T7 G; o Canada 370,700 6.3 5 u( s, j6 n3 D+ M. m* A1 u! D6 l 83,100 46.3 # P4 @) P4 I3 M- u; O) L5 L, w -2.5 0.3 + J# R- i5 K+ z, `; l 43.3 & |+ ]# o) }3 n5 ^ British Columbia 624,800 7 \$ H3 N2 A& ~0 Y1 s. w: C- c 8.0 124,500 9 g/ k1 T  j4 F+ ^* s2 Y! k 67.5 0 `0 T2 O; e9 T& w; i -3.9   n2 \, B- t- r/ G6 O 1.4 # z  _2 V& p' g; s1 [& B 54.1 Alberta 2 D1 e2 A! O9 v; g8 G# k% S; Y& V/ V 365,600 2 v5 J9 u4 o$ W5 }9 X% ? 0.1 1 a7 b& z4 x0 `0 c 81,400 35.6 , w% u  X; K4 b" A! S6 X" @ -1.8 * D1 g8 o6 ~, G. L -2.0 + O' b+ y2 x6 c% m* a# [0 U 38.6 0 L5 V- H8 T) G9 | Saskatchewan 5 Y" i. f4 h5 {# ]' f" T/ G  z 315,300 5.1 % q- G& C/ y& [8 R% }2 i 74,100 40.8 ! `1 C4 b; ~$ i6 s- `* I9 k -2.2 % ^# o" k: m* B4 L+ v -1.1 38.0 Manitoba 9 x; g" ^6 Q- k; |; V% B% n 269,700 * e- K5 X# ?' R( q. B$ [+ d" Y 7.8 * u- E; j1 J4 M7 n2 i/ G4 \ 65,000 37.1 -2.3 0.8 37.7 $ N& [7 b$ {* `* T Ontario , `) H- ?7 ~! A9 \- m 388,200 6.2 89,800 " e% A# c, B  n- w 44.9 -2.4 1 o/ W+ O$ M& X+ h0 ~ 0.4 $ p( r9 o: ]. P) e' h1 ?2 p 43.7 ' |) T. w2 Q. y) { Quebec 262,100 8.6 : I% l! R" b* P  P 61,700 8 |) u# [- r6 O0 P9 Q 41.7 -1.8 2 X8 ~5 J7 z% c2 n 1.3 38.8 * ?- U& D8 @1 a5 `+ l5 Y; c Atlantic & ~+ u. h- G6 b3 U# y' c% t 222,100 4.3 # X; N4 l- V& G; s% n3 R2 i9 t/ u 55,900 36.5 1 d' q& Q7 H/ s -1.4 7 d8 a: w" [* j2 J 0.1 2 K* J; D8 c; K$ A  W 38.0 Toronto 554,700 5.6 4 z9 ]! z9 ^- X; E- t& G% U 120,400 56.2 9 u  [! X0 i: {' Q2 i -3.8 6 H8 J7 Q1 J2 z% ~8 ]- A. v/ } 0.1 # G. l& w" s3 \( D 53.4 ; t& i3 Y" t' \3 }" J: C6 ]. o$ B Montreal 335,300 + H0 C' @' T  P1 a) C: J 8.9 / v/ J! z2 g2 B: N 75,800 51.3 -1.7 1.7 41.7 Vancouver 766,300 8.4 149,400 / H/ z8 }1 P( h9 ] 78.1 / a% A( Q8 T) @ -4.7 ! W5 a/ x$ ^3 \' G6 f 2.0 62.6 5 x* }( E- T! o# B6 [7 h1 O2 ~ Ottawa 350,600 8 f# w% T) }0 v0 l# W6 R# [, L, c 4.8 ( K+ E+ m0 W( w0 o9 y# y! O 86,600 40.5 -2.5 # X7 F4 ^( W7 Z* k: b0 ^! D0 B 0.0 4 C" v, {' y/ L2 r+ _ 39.1 Calgary ( g6 o. x) y! P# P$ Y4 Y* x 410,500 ) a! I$ v' T! o% N7 t -1.0 86,700 37.9 0 [# p+ d, n2 e# X5 K! }4 P8 P -2.3 -2.6 40.3 + E4 K; m/ E5 u: ~: K7 q' |  N Edmonton 362,500 1.2 82,500 & u$ T- k. v; o- a0 @! a: \* m 37.0 -1.9 -1.6 ! B' Y4 _' v* Z* n. M+ u) z 37.0 , ]( W. l1 c3 z Detached Bungalow $ c& v8 {" f; [; d) c; { Average Price RBC Housing Affordability Measure 7 u# c, L' m7 d+ B. D Region Q3 2010 6 N- @" L5 F9 \/ X($) , [0 M6 |& ], T' j5 d Y/Y : C1 u- }7 Y. \5 g- k' W% ch. Qualifying , R+ L9 h0 v) {( c3 gIncome ($) ' Q. K: g0 V5 _9 S' D- `Q3 2010 Q3 2010 (%) Q/Q * S$ T' c* W+ O! M+ o9 EPpt. Ch. Y/Y : N/ ?- P" u' IPpt. Ch. Avg. since 6 Y# Z* V% a0 \'85 (%) Canada   l% w) @; z$ }& d' l" B 325,300 $ p4 r0 u7 o0 \( P$ X3 q' z3 U 6.8 ; K, ?! G) F' v) H- ^: y 72,500 ; x0 G) F, R7 I& j 40.4 " x( N2 p" K# b. q -2.4 0.3 39.0 ' _* D8 U6 s3 [* ^7 W British Columbia 544,700 8 Q/ g" ]1 Y% T, U1 Y: f 8.5 108,800 59.0 ) R1 P$ k5 P  U& C -5.0 7 u/ G/ p9 g1 H, I  y6 o2 M 1.5 48.9   j% g" v, {' E8 {: G Alberta , V% m7 ~3 D+ A$ n; p; h 340,500 % E3 n; `' C% _1 h) N  M: u 2.9 74,400 & r/ O) I7 `- h* y 32.5 % T6 W" ]* o/ F% } -1.8 * D5 Y2 d* O/ Y& g, q -1.2 36.1 Saskatchewan 7 R  m0 X8 j* j& t, \ 312,400 6.3 , E: G0 W% C& V  W9 _$ }, g 70,900 39.0 -1.9 -0.8 , }+ d' c" U$ _/ N( R& D+ d 36.6 / N7 F( |) f. c& M Manitoba 1 g! J" R+ F& O/ z+ V. V2 D 251,000 9.2 . P6 c2 u0 k/ f. F) } 60,800 34.7 -1.4 $ _; H) W, U9 a) b 1.1 36.8 Ontario ! ]! \* t+ h- h6 }& f 337,400 6.1 77,900 38.9 . g9 Z1 N/ [' C' S" I; g -2.2 0.2 40.1 5 U$ d: J+ L$ r$ S; v Quebec 9 T! m2 e" S, N' Z 221,600 9.3 1 O; I% M# f! \. o0 ]5 B 51,700 / ?3 c% g7 g9 y3 U 35.0 -1.4 1.2 + M: @' F  Z8 e3 F5 z; A' V 32.9 $ p: I4 Q" X7 X6 N* t Atlantic * Y" J' U0 H0 v 196,600 4 b9 j: T! K0 n% t 2.3 / D0 v+ c! A, g% d0 i" h% w3 x! q; q 48,200 + T. e# f, Y2 t9 E 31.4 -1.0 , ^3 j3 p0 J1 T8 i$ Z/ Y7 `' r -0.4 / [& n* H/ {, N$ Z" u3 T* H; H 31.6 Toronto 466,600 3 q+ E; _3 \/ j; k) ?6 H) E2 v" m 5.0 ! u6 _- U+ `; b! j! |# ` 101,100 . p, V' S! O  T9 Q. H) Z4 H# t 47.2 / G; k- T+ [8 Q  B& @# B -3.0 ' h3 r/ [% u/ u/ [; \" I -0.1 48.2 Montreal 8 _$ ~$ U8 }% o+ a: H7 O9 K 271,100 % A" p2 q; t; e" i  P0 e4 w8 a6 y$ B 11.8 1 v0 c+ I0 ?$ H6 q1 j0 ?3 O 61,600 41.7 -1.3 6 ~& T5 O: v: u$ C1 O 2.2 $ w2 `/ L9 f$ y8 \: ]( p 36.9 & C  f4 n, v  i Vancouver 672,500 9.7 : P0 Q8 F' \2 X4 @7 c* m7 H$ c* C9 i4 m 131,600 ) \, ^: O9 E, ?8 m5 i 68.8 -5.4 2.4 57.3   V( W0 t. D- C, b4 Z; X Ottawa 340,800 * Z6 p* w4 q) W& F5 Q0 W 3.4 81,800 4 M; a  ~- Z& H# W3 @+ X1 {; H 38.2 6 m0 l9 t" M  M( \4 c) { -2.9 -0.5 " p8 U% [# X3 e9 |/ X' G 36.6 Calgary 412,700 - Q% \( i4 Z3 F8 L+ y2 ^) B 2.7 85,00 37.1 - L6 g% w8 Q2 K' Q8 O! {3 x -2.0 5 q( m$ @' {( C" K7 M5 i -1.5 . f: A3 N8 L# q/ ^* w. w, w 39.9 Edmonton 322,900 5.4 $ O, X' f1 a1 n- Q0 \ 72,900 2 X$ `( E  B1 B& k; [ 32.7 -2.0 1 l( ~8 m7 e+ R, f# X" E -0.5 33.9 5 T& D, F1 v3 Y, N/ P. S, y 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. , W( E  M3 r! a( T4 e) |3 v

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1 S- y1 j  n( I0 ]2 S5 O* Q快讯： Federal Government's Mortgage Insurance Changes

This morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     
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. t& ~  ?( f# n& xThese measures include:
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, D- \) P' g8 U& Z9 yAmortization period capped at 30 years
2 x% \& R2 ?, ~; v/ }: mReduction of government backing for home equity lines of credit
" S+ d( `% |2 }8 a! ^Maximum refinancing reduced to 85% from 90% LTV
. ?+ t! z; G; R: c3 \  oThere are no changes to down payment requirements as CAAMP recommended.

CAAMP will continue to update members on any new developments.
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. N  N( A" x8 ]For additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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