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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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Tuesday, November 25, 2008 " f+ l8 W/ C4 O! U- w2 w
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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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; N" P; O1 M4 c9 E9 h* j2 C9 ]5 l5,250,000: The number of Canadian home owners with mortgages.
) b- R [0 U# E, V* _29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months.
0 J# H5 D @( m! ]$ h3 F! U( Q/ [$ w86%: The percentage of people renewing or refinancing that stayed with their existing lender. ( Y7 q4 c% N6 \
$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average. 0 M; s. ?) \, w8 t8 ~) R
22%: The percentage of mortgagors who took equity out of their homes in the past 12 months. People are spending more because last year it was 17%. 4 \6 Z- o9 X6 W$ o6 j
$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. 0 N$ Q! c; t5 Y6 x) H6 D, z+ u
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. & I$ ]3 O) i* ] N" Q
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
7 N1 d: Q; ?) W0.40%: The average interest rate improvement realized by people who refinanced in the past year. 3 @9 W9 L# F9 V. `4 q1 z6 B& A4 w2 E! B
1.59%: The average discount off of bank-posted rates. 6 f; D1 s9 y* [% @' x7 W
1.96: The average number of quotes people get when shopping for a mortgage. . I! n8 H" @( A7 D0 B3 [. g2 Q
0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year. + p+ s$ W+ f. l* Y8 g! o: Q
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. 2 G, d4 V+ a4 i" y, w1 X* d
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared. , X( E" K8 P# u3 ]- _0 R7 ~
Peoples' favourite mortgage terms:8 q9 w8 b) G) R
, m7 p0 R( _! E& O8 G' c1-3 years: 29% of borrowers
8 H" v5 s, J2 D% w8 U4-5 year: 61% of borrowers ( ~$ ^6 T2 b" D1 z5 Y
Over 5 years: 10% of borrowers: h- ~) M& n. Z& Z8 {
CAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.5 A/ E N- M8 n$ a4 @$ v- I$ K
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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.4 N4 Y' p% |5 }) d$ c7 E+ M
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Where did people get their new mortgages this year?& f! G" q4 g1 M+ n5 g7 }0 p
: z% I" a: S" iMajor banks: 47% " X3 i9 v3 _+ J! r4 u, |$ m/ Z) o
Mortgage brokers: 35%
/ t; r+ h; x1 oCredit Unions: 11% 6 a9 `/ h$ l/ [! m- {) Z: p
Other: 6%8 f, i6 r9 F, r J
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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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