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发表于 2008-11-25 15:19
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Canada's Mortgage Market - CAAMP Report
Canada's Mortgage Market - CAAMP Report 8 E: P9 F+ {7 j9 A$ l8 Z
8 P7 D6 z0 P( LTuesday, November 25, 2008
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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:' J! `) }: f/ n/ B& a( }
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5,250,000: The number of Canadian home owners with mortgages.
4 {0 Q- @. R" E- @$ H29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. 4 C c D) q f' [/ ?3 M: {
86%: The percentage of people renewing or refinancing that stayed with their existing lender.
) o: j4 f, U6 u$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average.
( R, k9 x- f- \0 H0 Y22%: 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%.
2 s! {' G, T3 v$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. q; y! S# Z% q9 Z O
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. 9 Y; `% N& B5 U; o4 [1 d
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
4 m1 F& j1 a C% k0.40%: The average interest rate improvement realized by people who refinanced in the past year.
% j1 ~4 j2 S h& ^1.59%: The average discount off of bank-posted rates. 1 O. T, G6 G* c5 @/ O3 O* {
1.96: The average number of quotes people get when shopping for a mortgage. 2 l7 j* _% l6 l/ Y# _- l6 [0 B& g
0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year.
k8 w" g: o3 J- H3 i10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009.
# s$ F8 D( r( e6 _" M36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared. 7 n& B0 L4 i- L" E* w
Peoples' favourite mortgage terms:
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1-3 years: 29% of borrowers
! p j& T9 n: ^0 g4-5 year: 61% of borrowers
6 `- F- v1 e0 rOver 5 years: 10% of borrowers
( P+ u" u, w' [6 q- ZCAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.
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5 R1 D9 n( h0 L; Z9 yThere'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.
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Where did people get their new mortgages this year?
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Major banks: 47% + B7 `! d1 I& {. {: H3 H0 p
Mortgage brokers: 35%
9 l% U5 @2 t0 q, C- v; yCredit Unions: 11%
8 J$ w) R% p ]4 WOther: 6%
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楼主: 郭森房贷
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发表于 2008-11-16 20:47
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