快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

2010年12月

Bank of Canada Interest Rate , j' V% L' N: ~) c! v9 D4 N September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada   c( P/ F4 L' L( K* l, a8 B # \' E, t& d& T" `7 sBank Prime Lending Rate 8 u. P$ G7 y0 @) e' e September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date 6 \% S9 `# u8 f, PSource: Bank of Canada ; G. L, c' e$ L0 @% G2 E % M  L7 z/ ?8 n8 n, q 6 W9 I* @6 X4 t/ YConventional Mortgage - 5 Year Rate* & Z1 m: f$ c$ g September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 4 N, W& Y5 M2 l) k% q  J8 D 5.44 % + I- U6 y3 y% fSource: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate , N! [; R0 d* Q2 p2 t 1 M% n6 d) }; j' [ . H6 H) s1 y0 r' Z / |: p. c! g7 _' [2 ~* ?US Federal Reserve Board Discount Rate , t+ o& o5 n& _  V$ X 3 [' e0 r" d3 N 7 i; a$ o% X' f) P September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date Source: US Federal Reserve + H7 d, \6 t3 {% Q6 X- f + X0 X9 ?* i- T% U) _ Exchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 % h3 I& I& p- m$ E0 `Source: Bank of Canada 0 {% u1 [  V* H9 z8 g1 |( D6 T % r, ?& Q# H  T   E  B& \: P* }; b/ |" T" p- HGovernment of Canada Bonds ; k( a2 B3 p  J" B! z, R2 F Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 4 n4 b, O* s6 N0 s& y( k9 J 1.21% 1.27% 1.39% 3 year Benchmark ) B2 ]2 G6 X( O1 V$ w! E* IBond Yield 1.59% 1.73% 1.94% 5 year Benchmark * e3 i1 H& J& k0 }+ mBond Yield 2.06% 2.20% 2.48% 10 year Benchmark Bond Yield 2.89% 2.98% 3.19% & q+ \; `% `4 n* ^% L, r/ w6 ?Source: Bank of Canada 6 Y$ ?2 R0 G$ s 5 j3 z5 P# Q! D$ g4 H, s) Z ( E# M' ]1 V" M" e + {3 r* ~) d. r5 ^4 l, Y6 ATotal New Housing Starts (Seasonally adjusted and annualized) Province ; ]/ b& |7 k* L# u" O2 v August 2010 August 8 |- @, P/ r" x. r2009 September 2010 September 2009 October 6 B3 z0 x- D  G1 t8 ?: G2010 9 e( Q: l0 y7 ?  s4 t, r" ^& I October - v0 Q1 a- C3 b  m0 o! J* C2009 - ]7 v7 ?8 g) X5 `. k% z9 a Newfoundland/Labrador 3,500 - N- L+ W7 M& d% ^7 I& j% n( m 2,400 3,100 2,800 3,400 2,900 PEI 1,000   n; G* ~$ \2 a8 l. c6 Y4 P1 g, | 1,000 - O$ s3 s) w, W8 _0 h2 R7 z  g 500 3 r! t% g; k3 n( K/ W. h 700   A9 V. j2 o0 ` 400 6 ?4 u7 N) g) C; @ 1,200 Nova Scotia ; W: o, f9 _5 d  D' k 3,200 4,200 4,100 ; n6 N/ c! T6 c# L7 U' Q' } 4,500 4,700 & Z. ^6 F% l9 Q7 J 4,000 New Brunswick 5,100 3,700 2,400 2,900 0 c9 S( |) G! X% C0 W 4,900 2 [" T+ g: |! f( h+ Q 3,600 Quebec * [- c+ D/ j& v) K# m3 u2 a 48,300 1 U$ S; N2 G9 N* x0 w0 @! | 47,300 5 j- G) S4 @% O$ U4 R9 I3 ^' ? 50,700 , Y* L' c3 ]1 w* Y$ y 41,300 48,600 - i" a: |% Q: n% b" M 37,200 4 |. k  D, j* u; P8 } Ontario ; E8 a" w; @9 a+ Q% ? 64,800 44,200 58,000 50,200 44,700 57,600 Manitoba 6,100 5,000 4,000 $ w9 q5 j6 K( } 4,400 3,800 * r( [' u5 U. }* q( J7 [ 4,200 Saskatchewan 8 y( l, |9 \/ \( r( P$ q4 b1 g 7,700 5,100 5,400 . t. E* |6 A( R0 |" O/ {+ T 3,700 4,700 3,600 Alberta 23,500 18,400 27,100 + T$ @3 @; O, K, }2 Y; x# P6 P 22,600 25,200 % v3 I% p3 G, \* @- @) r2 ^; b 25,000 British Columbia   i0 i8 I/ x7 c+ [ 27,800 19,200   _( H4 _4 P# u1 a5 c4 X$ z 29,700 16,200 ( \# s- I6 m. C) P  F& _5 q 27,500 7 R; J" ]; H8 S+ M8 L 18,200 2 ?6 R4 v8 K5 F: w9 P CANADA * s" B. v! t% j3 q 191,000 # C7 o  e2 H" o' e" \/ L% A/ w 150,500 185,000 ! h/ E4 M4 W5 Z1 q& i" T6 O 149,300 167,900 157,400 4 Z9 t9 Y5 |' n& B: ISource: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year. 8 [4 Y* N' ^2 Y% \' W % ?9 A- r8 C( q& L % z- Q- C! L. W9 N$ Q# n 5 T* E! g3 c8 l: B% ` Average MLS® Resale Price for Local Markets ) h2 c5 p( O- j3 P5 k6 u4 R ; n4 {" r% g3 T4 W, K& U& Q 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 / ~1 t7 S. t0 q" q, y 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   ]6 P3 ]( @- f2 E% x, c3 X' y; ^% [. ESource: Canadian Real Estate Association $ q, i8 I9 d& n: p4 H! ~; h$ z ) c# y& C3 H( y' ?; J" D! `" J Quarterly Housing Affordability Index Standard Two-Storey Average Price * G& K5 ^% {7 s1 @# ?# ^6 P RBC Housing Affordability Measure / s- g  ~3 ~8 h6 E9 B Region Q3 2010 ($) $ q' A& l2 [/ t  w1 S6 {3 ~ Y/Y ) c" J. z, M6 N6 i6 I3 S, ]% ch. Qualifying Income ($) Q3 2010 Q3 2010 (%) Q/Q 9 E$ X# I# n( L) s+ ZPpt. Ch. - N9 p% @4 h4 o( {! o% | Y/Y ; c3 V2 \# p5 r! a( jPpt. Ch. Avg. since '85 (%) % j" H; x6 _$ _# } Canada 370,700 ; p2 V& N# i8 F" U6 I, U* F& Y6 r. R 6.3 83,100 5 a( P! k2 l) Y+ `8 u- F 46.3 & F8 d: h! z" w4 |; |& G1 ^ -2.5 9 t, I7 R5 ~7 T1 _) z3 A7 G 0.3 43.3 British Columbia 624,800 8.0 124,500 67.5 -3.9 " c- A, Y& ]0 L. y 1.4 . x: a0 h4 W; [( v9 N4 u 54.1 Alberta 2 b+ y/ W- e' H! \6 ? 365,600   B( A0 E+ f1 J 0.1 81,400 35.6 -1.8 -2.0 38.6 Saskatchewan 315,300 2 Y. r5 S( K& C- s" l 5.1 8 k* x3 N7 a; j/ \1 j 74,100 40.8 - p$ @" f6 o: \" n" R1 H -2.2 " b& D3 w  L8 w# x" N. b4 b1 y( q -1.1 7 E& B9 {. o( A" ~$ g 38.0 3 }5 a$ l+ [8 Z: J Manitoba 8 V, J# O! u3 \  J5 \$ z0 X2 Y' } 269,700 7.8 : R/ M" t. f% R6 D! K 65,000 37.1 -2.3 0.8 3 l( \" A) e4 S* L 37.7 & l6 i; E# m, I/ H* Y# R Ontario 388,200 6.2 89,800 44.9 -2.4 0.4 - Z1 e/ q# x: F+ s/ v1 ~ 43.7 - s$ a) I& s1 N  n7 e( ] Quebec ) x$ Q. l' B4 w" D- K) V7 `6 G" F 262,100 8.6 1 C; C- Q- U  _7 a: g 61,700 7 }2 J: F& l' a' C; T  w 41.7 & d9 A: l' n( f' m& @) Y+ k -1.8 1.3 38.8 Atlantic 222,100 4.3 ; f7 N6 I& B1 I8 W0 f2 n 55,900 36.5 / B" E- O) H' y/ Y -1.4 # I) e' G! g7 \* e& K* U! U4 ` 0.1 . |% u5 O- D6 T- r4 K 38.0 Toronto 554,700 5.6 " V  p- @- L$ K) q' W6 H 120,400 $ l- B3 e8 I. {  B 56.2 -3.8 0.1 - e) \( s( K6 v  T; H+ i 53.4 ; l% h! b4 t2 w& A Montreal 335,300 8.9 ; |9 ~+ n. A# d+ e: I+ C; K 75,800 4 }! N. ?  u. U" d- L& x 51.3 -1.7 9 `2 s8 [' \7 C. b 1.7 41.7 2 m! `4 p$ P# s5 K1 V7 s$ E. W Vancouver 7 M) ]- N& A7 v/ y  T1 L* U: A3 ^ 766,300 8.4 149,400 78.1 -4.7 ' D+ P/ J% e) O6 O& s9 Q/ l 2.0 / E# z( x8 A& L 62.6 # z: {/ H8 b# c) B0 z Ottawa & w: L, d: p0 n' z% [' A  H' a7 [ 350,600 4.8 ) h# f7 L8 H; U0 l2 N6 U( G 86,600 $ i* Q' T" V! h; e& Q, q 40.5 - U4 U- A9 l$ u/ t  h -2.5 3 }- t1 O+ d  r7 o) n) b  D( D" C 0.0 39.1 / h" c$ N/ _7 s1 `, D Calgary 7 |2 S9 s5 X- X6 R' `0 d1 z; F 410,500   T  I8 ]; i4 e% X& a1 D9 J -1.0 86,700 37.9 -2.3 ) T7 G: b/ e8 s& L+ }9 l -2.6 40.3 Edmonton ! |1 v* F2 }9 G# i* V$ j% e 362,500 1 D( N: c! [+ {+ [" E 1.2 2 y. u3 b" S  N/ S 82,500 37.0 ) H  ?- N. l/ M: Y -1.9 1 N- T4 H; p, l -1.6 % ^: _# k1 X. a$ s5 k4 O* v 37.0 5 O% Y. }; Y/ B& ]( q$ ?3 | Detached Bungalow - E' I; z2 x5 O6 _" x Average Price 6 ?; U/ g) f- O & i( z6 o, X. T; H RBC Housing Affordability Measure 1 A. A" I/ a0 l( z Region ( ?% y. f8 Y' \6 w+ {; I- V. d Q3 2010 ($) 2 D! V" }2 [& t6 j' O Y/Y # s) v  S$ k( F0 c: S% ch. ! t! h& C5 e2 {. ?: I Qualifying + x1 a' y- N$ H5 ]Income ($) Q3 2010 3 C$ C- R, L  y5 V6 ]4 C Q3 2010 (%) Q/Q * ^4 k) _: O3 l/ T# i3 YPpt. Ch. Y/Y Ppt. Ch. 0 r2 `+ G- A" N; `0 ^, s Avg. since ) v  o* x1 {% B5 C. S; }1 _'85 (%) 1 ^* C. @9 e9 R' G8 q& w Canada * l8 x+ ?' I5 n) p+ I' Z 325,300 3 L' b, }$ y1 e- c9 ~6 k 6.8 ; F' Y# b. z% t" b- V, G5 c6 n) G. J 72,500 0 ^! R0 {- E) G- j1 n 40.4 8 y; j  Q( t: F2 b3 k -2.4 7 m* V* ?- v: T- O/ s+ t' H: J 0.3 / o$ C' D7 @/ W5 {# [% S 39.0   W) l4 `6 c4 l/ l2 Q3 y/ d British Columbia ) ^" `% A$ c  S- _! c 544,700 6 W( X& P& v/ b" [ 8.5 7 R* s2 N  `/ { 108,800 59.0 -5.0 1.5 48.9 3 ~- F9 F  W0 C# }0 a1 w Alberta 8 B: _# K' e! I- v/ @% R* h 340,500 1 D8 v" C. t3 r* J* _& b 2.9 9 d4 o0 S9 O5 j  Z5 b# l$ M' O 74,400 32.5 -1.8 -1.2 2 W, i3 E) w) E) y% }, s 36.1 Saskatchewan 312,400 6.3   l% Z. @7 s7 R' e 70,900 39.0 -1.9 -0.8 + O" K. O1 x4 s  N4 Y( @ 36.6 Manitoba ; d' ?- X6 F) ^3 F7 Y; v. J' |4 ? 251,000 7 e' m% V5 E. \3 X 9.2 60,800 $ M) l% Z, D% l& O6 b: ~ 34.7 -1.4 9 w5 T" I7 M2 M% y; D, q; \ 1.1 - o# [6 w. ?0 C" R8 v4 ~) w% P 36.8 Ontario 8 L* H& [  u) V' b 337,400 . b+ ^& s/ g5 Z 6.1 3 Z% E# _6 G1 T  D. X: c$ V 77,900 & N* k  D" C: D. m# v, v9 F6 S 38.9 -2.2 0.2 , U7 i" x! {! q: c; l: ?1 P 40.1 Quebec 8 B9 g7 u5 s, ~+ Y 221,600 $ T# s/ c5 ^7 {" T  m 9.3 , T/ ?8 e5 D* V 51,700 4 H/ W) `; O% Y. Y2 |; F- A" d 35.0 ! ^& x( P. @% I7 Q6 \: T& R& N -1.4 1.2 32.9 Atlantic   x  ~, i: n1 w9 ?3 O. [ 196,600 2.3 48,200 4 [6 A+ ^7 @8 } 31.4 -1.0 9 `# D2 U, S/ K* j3 P* G -0.4 31.6 Toronto - |" H4 \: i! E4 O" k  Y 466,600 5.0 101,100 , r" o3 k9 ^6 ~' r# F! z 47.2 : D, x4 X% D# @1 Q& ~" p -3.0 -0.1 # B: _$ k8 @6 w1 Q7 m- ?# w 48.2 Montreal 271,100 5 Y4 Q' r+ r# F' D 11.8 61,600 41.7 -1.3 ) x6 Y& j! t  g7 u2 j 2.2 36.9 " [: s8 \  c9 r2 w* W# [! C' A4 N Vancouver 672,500 - w2 ]# f( G6 ^5 d 9.7 131,600 + d8 n3 ?7 O6 U$ F, B7 F! W 68.8 % ?$ L- H! K+ m4 y* O1 ] -5.4 + q  P3 t# k& }9 F 2.4 57.3 3 q+ a" S/ a2 ]" a% c  Z! r" ? Ottawa 340,800 3.4 81,800 38.2 -2.9 ) Q- f) u" @) }' F -0.5 9 _) J$ Z2 n, ] 36.6 Calgary : ~4 ~! \% n3 o, c* R: o3 i% C! B 412,700 2.7 9 Q8 _9 D0 x8 a 85,00 ; v0 S0 e: Y- Q) w: O( u 37.1 4 ]* Q/ _6 _; e -2.0 8 Q* Y5 s7 `" r+ R -1.5 39.9 3 K0 N+ e5 x4 b4 S; d) x1 Z, L Edmonton 322,900 5.4 * u3 k2 f, S. P; {3 o- c 72,900 32.7 -2.0 -0.5 9 R- C/ `* v" V4 O8 ] 33.9 8 B1 U* o$ ]  o7 x # _6 |5 I. b+ s' Y+ v6 `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. 7 Q9 S5 @5 J5 X* ?- P

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快讯： Federal Government's Mortgage Insurance Changes

' n* i, E, I, p% f  R# R7 ZThis 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:
$ V: t: A, _2 ~$ ?% J1 [$ b
) J+ |& y7 j0 o- p6 }) j: CAmortization period capped at 30 years
Reduction of government backing for home equity lines of credit
; G" X( Y. X6 q4 B# ?Maximum refinancing reduced to 85% from 90% LTV
There are no changes to down payment requirements as CAAMP recommended.

CAAMP will continue to update members on any new developments.
0 G) p* A) H' ?/ t
For additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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