快讯：Rate/Bonds/NewHouseStarts/...

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Bank of Canada Interest Rate 0 W; E& U4 v4 v September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada Bank Prime Lending Rate September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada - W3 B- @) N: _% U. p ( e8 @: e: ^* M 4 j( i& F2 C/ p% o/ {& I Conventional Mortgage - 5 Year Rate* 6 @1 e8 f" P; z " J& m) i6 P% T# i# e 5 E( p. W# e( B2 _ September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 # p" H) T- j+ J' C' {: K$ H" E 5.44 % + }% P1 |9 T* B9 _' \9 @6 l0 hSource: Bank of Canada 5 \1 l2 U5 t. o+ I*Determinant for high ratio mortgage variable qualifying rate . S( c, |0 |9 J* H9 q. r& O" W, c , g7 x: A) U( Q+ g  \% ~ 8 L5 Y7 p) Q3 ` $ T6 h$ d8 P( f0 ]1 G/ u; yUS Federal Reserve Board Discount Rate September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date Source: US Federal Reserve 5 O, a4 {% K' E8 a, a $ T+ b$ l- E* k. _6 @ 7 }; J! D: n' a" `' X/ _5 l. iExchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 / h3 b' D9 O6 QSource: Bank of Canada $ l7 R: N6 A7 p1 m3 m, z" R: Q  r $ G" Y6 N$ a4 n2 u: J " O# g; o+ T& Z/ @2 D4 BGovernment of Canada Bonds / y2 H' P+ @& N, ^# j7 M: }' z Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1.21% : y9 k, P3 W- v1 l% h& t8 c" z 1.27% 1.39% 3 year Benchmark 0 x3 ]/ |  b5 lBond Yield 1.59% 1.73% 1.94% 5 year Benchmark * ~$ a8 ^: s6 _Bond Yield 2.06% 2.20% 2.48% 10 year Benchmark ( ^. r$ e" @; v- I% OBond Yield 2.89% 2.98% 3.19% 5 ^0 ?8 ]6 C# s  HSource: Bank of Canada ; d2 J- U7 d( Q$ W # ~: R# H- P- e% @$ K. t8 \1 V 2 z* q7 w9 _0 _9 O: @1 y8 d+ N" ]/ r ! X7 U0 X  p: u) X5 Q1 A Total New Housing Starts (Seasonally adjusted and annualized) 9 j5 _. h2 F2 V1 @6 _ Province 6 n  h  |' j8 i August 2010 August / z/ \1 X- X! n5 [2009 0 @  S$ h, Q: z. N September 5 _; }+ o& I4 D( a. t$ ?9 ^2010 : n0 u, f. H$ l* v. s# |- A September 2009 October 2010 * K0 z. F6 T, Z/ J) q October 2009 Newfoundland/Labrador 4 e0 T/ T  p7 d  c  I& [ 3,500 2,400 % k5 u; ~$ v! s 3,100 ) L, _+ ~( g# W- K 2,800 3,400 2,900 PEI 1,000 1,000 7 A' a( n$ Z# h7 [2 J" ^ 500 ) y7 V: g9 x1 \3 L1 Q- y0 J/ p! \ 700 # X' J& q: Y* j 400 9 R/ x. _9 N! r 1,200 1 O; v* D! O! {6 T) b Nova Scotia 3,200 4 a0 ]3 m& y+ K& ?+ M( J$ q 4,200 4,100 4,500 ' c6 o( e+ u8 z+ Z 4,700 4,000 New Brunswick 5 P% q, K. n. j4 `2 o! q 5,100 3,700 8 h  f- z  [1 x0 p 2,400 1 D$ [# d- A6 {+ A 2,900 4,900 3,600 * s% N! C' o: E3 D Quebec 48,300 ' i# I4 k- z4 N3 U+ S) @ 47,300 * i3 I' g5 f6 @+ m9 H 50,700 41,300 2 Z  w/ T5 z- c: S 48,600 + \' _& r; w% c! v" x( w; N2 t 37,200 : s6 w1 I% {& V! o) B Ontario 2 j* |% H! C4 N3 } 64,800 2 U' l8 r# O5 U8 \ 44,200 6 E- s+ j: u% z* o2 z7 k5 ~ 58,000 50,200 44,700 57,600 Manitoba + A3 y1 U1 P* E" i; A* N+ K# i0 C  e! p 6,100   r0 B4 @- E: D& K/ ~ 5,000 4,000 4,400 3,800 4,200 4 Q/ j- [& M) j+ F% Q  F Saskatchewan . g# Y# O7 @8 l  q( n 7,700 5,100 5,400 3,700 7 `5 `; y! F" o8 t 4,700 + F& n" }: V& w- ]) v 3,600 1 a. F. a3 }' p3 Q3 ^1 E Alberta ! j/ `0 a4 _7 a0 z 23,500 18,400 ) ^& V# g3 ]/ H8 G+ ?7 f 27,100 22,600 " ]% V6 M) E  x1 i 25,200 9 l  m9 m4 p: \ 25,000 British Columbia 8 y8 o3 u3 J7 `! }& v 27,800 19,200 + n0 `- U/ |  T% [ 29,700 & z& T4 x: V2 G 16,200 27,500 18,200 # ]: L( L% i* ^' b CANADA   \  b1 t% m  n) n 191,000 150,500 185,000 149,300 0 A6 P0 s8 Y$ k# a8 R! ` 167,900 5 ^; N6 [: n  A3 P0 z6 U1 j 157,400 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. ' |7 Q4 [) a/ h4 P2 ~# ~ 6 j9 k) N* n4 ?8 X2 ~) Y0 v 9 d2 D6 S% e0 S/ o/ x 1 ^; q. @$ ]. [; G- J6 J1 t9 S : c- F! h9 J4 H; g* Z# AAverage MLS® Resale Price for Local Markets ' A( P$ J1 M( |( Q, C( Z+ K8 ~ 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 + y7 O5 o% @! W5 w- G 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 # c0 \: q3 Y' QSource: Canadian Real Estate Association $ o6 |# U/ E2 I9 M( c9 z+ o$ o' \ 5 m  _! \  n* v3 ?4 ]# DQuarterly Housing Affordability Index ! U- O3 F! {+ w% ^6 \% z' C+ u2 C3 B+ D/ f Standard Two-Storey 7 d" m: p1 y% r1 ^ ; y1 l. u: D+ t& @' Q/ [0 }0 \5 \4 f Average Price 0 |8 a: t, Z/ ~ RBC Housing Affordability Measure Region Q3 2010 ($) Y/Y % ch. % Q5 v+ [" N5 [5 f% Y) [) d& @+ ~ Qualifying ' }9 d) P3 U+ r, kIncome ($) : G3 F: G4 o* m. c8 SQ3 2010 Q3 2010 (%) Q/Q Ppt. Ch. Y/Y Ppt. Ch. $ x. c1 |% }- } Avg. since 4 j$ P: o8 ^9 E# I'85 (%) 8 E, P8 G  c1 c* G0 O1 Z6 S Canada 7 T& k* D/ {3 I6 e5 S 370,700 6.3 83,100 & `) D- V' Y* Z, _ 46.3 % {: v" {2 s. }2 ~9 a -2.5 0.3 43.3 British Columbia 624,800 8.0 124,500 $ ?0 |- f6 z3 G 67.5 -3.9 ' l! x! {7 k1 M! o) t6 T0 @ 1.4 54.1 ( b2 v' P1 e& f; v( f Alberta * B& k0 y  d, X8 L* _7 q  B 365,600 . B) [2 ?5 Q5 m& w$ B+ j& R0 q 0.1 9 q! x" |& M+ J) W/ V) `- x4 l 81,400 2 d- S! X9 K8 C0 G 35.6 -1.8 -2.0 38.6 ( @7 O1 l8 C6 G$ U& s9 ^% n2 V! | Saskatchewan * `0 J2 n! d$ i 315,300 5.1 2 P, {3 D; r4 B* E5 f! T% z 74,100 40.8 -2.2 2 s2 `% Z. O* z/ ^( H6 N: ^% E# B -1.1 9 G9 q% A. R( M2 K/ @5 I 38.0 6 q8 O6 W4 e7 _' B Manitoba 269,700 7.8 65,000 37.1 -2.3 0.8 2 F+ x9 P; R$ b$ |6 f: N! A  I 37.7 Ontario 388,200 . m' l& S$ _, y( V 6.2 89,800 - @: {* D. {! ] 44.9 1 M8 r, B0 }4 F: u% v- S -2.4   p3 n6 H# ]2 l1 R: p) ~ 0.4 43.7 Quebec " f# t) ?4 |$ B 262,100 8.6 61,700 4 V- W% M# K! j, d" i 41.7 -1.8 1.3 38.8 % l& |' ?$ U; z! ^/ s' s6 h$ ^ Atlantic 222,100 4.3 ; s$ @% b" |7 u$ x3 c) N, q 55,900 $ B0 M+ h" {3 S- U6 p) P9 E 36.5 4 }& N- a) J8 w* T4 e4 R -1.4 0.1 38.0 Toronto + p3 K. P5 ?# l3 h" A- p 554,700 5.6 # ~- T8 ~2 f% k) l 120,400 $ b( o' y* |3 b6 O6 \: x 56.2 -3.8 0.1 , g0 B" |) `0 U3 N 53.4 : i+ C7 p' o) }) X1 r# i Montreal 7 P; M3 `2 s. U 335,300 8.9 75,800 ) x( d* H5 x0 C 51.3 -1.7 / C! o2 Y* |  t! f7 e4 q- ` 1.7 & ^/ u& v' ?! E( R5 \) _ 41.7 3 Q9 Q' D! k" U4 E Vancouver 766,300 : v4 c0 {6 q, J( S' ]1 n) c& p 8.4 ( b( |3 w4 J; D! g 149,400 & x& e/ a5 }8 Z3 D0 ^' ^ 78.1 + c! e( ?( S$ b0 D -4.7 2.0 0 N; }/ M8 f2 ^' e/ w, J# y 62.6 ; R! V' j  v: Y4 L4 q6 H- Y2 u7 p Ottawa 3 h# @2 r5 ]5 J" n3 e 350,600 4.8 86,600 40.5 ' T5 U& K1 [5 o1 F: a -2.5 5 D  y, D" E; A. b4 [- s( c 0.0 39.1 ! v. X4 H: V0 d) {( T' J( O$ q Calgary , }7 o0 O. z7 P5 [  r# z 410,500 -1.0 . l: Z7 Q' E& Y5 E 86,700 7 Y% M6 t5 F. j( _) g5 \3 Y 37.9 ( k  l/ k4 }( k9 z! ]2 ^ -2.3 -2.6 , ?7 A3 k! S; O 40.3 7 n8 y' `+ a3 \/ R* c3 x Edmonton : C4 R. Q% v; q  f2 C8 {6 H* ^ 362,500 1.2 82,500 5 |9 L$ `6 i* @  e4 ~3 I 37.0 -1.9 3 Z! S2 m4 t  L -1.6 37.0 5 [; h1 }7 M$ a: P5 q! v Detached Bungalow Average Price $ j3 t+ m7 \9 J  u, ~) A# x9 ~ RBC Housing Affordability Measure Region - f) ?2 V7 j. G& A0 O3 R) D Q3 2010 2 j8 l4 H# j* m8 O" d* `($) Y/Y , Z, Q' _" h9 J, v( Q. @5 z) e% ch. ; a5 y% p5 n- S! K8 ^# Y) M* m8 v Qualifying Income ($) / Z# t7 O) k% X& N* z9 z- mQ3 2010 Q3 2010 (%) : B( _7 s. m6 L8 T1 a Q/Q Ppt. Ch. $ p! x/ G) _' s4 ]1 D) y Y/Y Ppt. Ch. Avg. since 0 F# X, U. Q, i( G$ p* ?/ F'85 (%) 1 w- B! a0 A- B- F: c: j4 ^$ a& ~- R& r Canada 325,300 6.8 # L. k; ^- \- a1 W 72,500 40.4 4 M. J# i  Y6 c6 d+ I0 S -2.4 + v, a0 V/ H, ] 0.3 8 N0 I/ O" p$ G8 i 39.0 . O5 c2 \3 H4 i" A; x) Y+ Z British Columbia ( W2 k# O3 d( ^/ X 544,700 8.5 108,800 ) b' d6 U7 z1 y# E7 D' U 59.0 ( L$ S9 R0 }& I+ b; E8 e -5.0 . M& d% z2 ?1 L$ }, M$ [ 1.5 48.9 ! V' Q- s* q3 e3 a3 M: s4 q Alberta 4 d4 x! d" n7 z! x 340,500 2.9 7 A  ?( r" V% _6 W, d, w' u 74,400 + N+ h2 H' X6 J 32.5 * U7 o3 E/ u& a* c0 P# U -1.8 -1.2 5 ~  ], w9 z; u3 z  M" D6 A 36.1 2 N3 f/ Q, q' H/ e( Z. n Saskatchewan 6 M, z0 e* U- R 312,400 6.3 70,900 : l" R0 Q6 M- T) {0 b1 Y& g 39.0 7 v- m8 C% a; G5 t -1.9 . o. ~  `6 r+ E1 }+ F% s -0.8 36.6 Manitoba * N  v- X& `: Q3 h 251,000 6 X! r. j& q) H9 ^& K# ?& y) [ 9.2 60,800 9 J4 j5 }! T" |) D- w7 W 34.7 + `7 A, T: _* u! s) y0 g -1.4 2 ]6 J0 b0 y! r& [0 D8 O( A 1.1 ! c& q$ H3 ^# M5 t( } 36.8 Ontario 337,400 6.1 - Y* ]* ?1 |. C$ }& F' Y" k 77,900 $ F8 y4 H' U; F7 O: V- V 38.9 -2.2 0.2 # j0 ~7 @  T; G( }  y7 k 40.1 8 @+ u; a0 R3 u" y$ B4 j5 \ Quebec 221,600 9.3 8 e) k/ {7 k* S, _3 Y) m  x 51,700 + n( |: ?' s! y- B2 u' J! B/ H 35.0 -1.4   J4 f! x4 n. c" B$ q, Z+ Y 1.2 " l5 M6 J& F5 F$ F" Z+ M0 {$ N 32.9 Atlantic 1 N/ ^/ {8 y- y7 s 196,600 2.3 " K9 U$ r" ]" D) y1 l& M  z 48,200 31.4 & z7 t' t$ F5 D; @' G" N  c! v -1.0 -0.4 31.6 9 g& B$ {4 L/ E6 Y# b; h* W6 o Toronto 466,600 " w0 A0 O' j; X" ~* P 5.0 101,100 47.2 $ i  |2 s* u+ F8 X% g8 i- D -3.0 -0.1 # `7 d" D; L  _$ K  P 48.2 Montreal 271,100 11.8 61,600 41.7 2 @  @) T' e/ K& p/ `- Z -1.3 0 z7 ?1 y7 g& s; t3 W' ?& B 2.2 & R2 L3 f+ N$ L# y& C5 O1 m0 n% r  F 36.9 # J5 ^' C0 u9 L Vancouver & c) b/ B1 P  f- ?7 {4 J. l0 g. c 672,500 " B! O( n, _3 x! T3 f7 J 9.7 131,600 68.8 -5.4 2.4 57.3 Ottawa ) j" I* A; G, ]% H5 G 340,800 3.4 81,800 % U/ ?2 Q  A. e5 m. \ 38.2 " ?3 d4 [2 L0 j1 [3 u -2.9 -0.5 36.6 Calgary $ s! H3 }0 \, Y% w2 u 412,700 2.7 4 x  g/ R) F# V9 m: S, @ 85,00 37.1 " `0 N9 f7 C1 A6 ` -2.0 -1.5 % j1 U2 o" @* o$ h 39.9 9 J$ n! H* [5 Q0 G; a7 B Edmonton 322,900 " t: S" o2 O3 E; w4 T, }! ~ 5.4 72,900 32.7 -2.0 -0.5 33.9 7 J5 x: |- g  N* w4 X) B" kSource: 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. - j' \8 o0 m2 S' G

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快讯： Federal Government's Mortgage Insurance Changes
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' D/ [+ H& P6 r( o# D" g! W7 T& iThis 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:

& r0 _2 U; p4 d$ n: O6 J6 J- F9 }Amortization period capped at 30 years
Reduction of government backing for home equity lines of credit
Maximum refinancing reduced to 85% from 90% LTV
# L8 C" P, }2 iThere are no changes to down payment requirements as CAAMP recommended.

CAAMP will continue to update members on any new developments.

For additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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