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发表于 2008-11-25 15:19
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Canada's Mortgage Market - CAAMP Report
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+ b* U( Z2 E. A7 e! y: v/ K1 ZTuesday, November 25, 2008 : V+ P0 | H8 J+ F" w$ ?+ V0 r. G6 n' k
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CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones:
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5,250,000: The number of Canadian home owners with mortgages.
9 W% n: ^' k0 L9 p0 q1 F6 N29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. ; L: B9 n/ h6 d0 [) J) o
86%: The percentage of people renewing or refinancing that stayed with their existing lender.
- L+ E/ b: G4 O8 _$ B8 J$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average. ( M$ V0 ~( W: p8 q
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%.
( @+ M7 d& U$ B6 N% {$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. 4 g0 V0 W7 m% s$ B$ Y2 t# f# M6 C
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years.
, [, F) |( t j5 h4 N5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
" R/ I& e' a' L0.40%: The average interest rate improvement realized by people who refinanced in the past year.
U/ Z; E- M* {* Z, j; @1 N5 y1.59%: The average discount off of bank-posted rates. 4 `. ?% j* h; Y+ T
1.96: The average number of quotes people get when shopping for a mortgage.
4 L9 R" i- N9 ^ F5 y0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year.
4 o% m9 r6 l) |5 @8 H. @7 ]- ~10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. - I; ]# j5 W+ T. b. h4 {( n" M; f
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared. " o* M. `4 V- `7 ^5 o
Peoples' favourite mortgage terms:' c4 }0 P' e0 B x2 G' b M3 K
- F4 Z, F' W8 X# c- z1 [1-3 years: 29% of borrowers
5 b5 l- n3 n" `3 F" \4 _7 y8 F1 l0 M4-5 year: 61% of borrowers - p9 J6 r& t. B+ ~; n
Over 5 years: 10% of borrowers
, k) H1 Z9 i8 Q) e, L2 p/ nCAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year./ x7 y. R0 u3 H7 N
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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.. ^! S* d3 J* H* d4 i9 Q9 I' o2 ~
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Where did people get their new mortgages this year?
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1 g, G4 m3 v! J+ H9 @Major banks: 47%
4 H! R( s4 M$ r; a6 V2 w# RMortgage brokers: 35% , i/ r0 J& Z8 v& g5 d. T
Credit Unions: 11% & ~5 F5 I: m( T3 k
Other: 6%, e f, K& c& \* ]5 N2 M; p# i% C
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楼主: 郭森房贷
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发表于 2008-11-11 07:44
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