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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
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5 n/ S# l5 P& o6 I1 c! LTuesday, November 25, 2008 ( |7 d& Y$ o) h% `& H( L& m
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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.
0 r; d# J% v2 f. N! i4 ^2 U29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. ; {" B' Y! \, C$ b. N/ k8 m
86%: The percentage of people renewing or refinancing that stayed with their existing lender.
5 o# g% ^: P+ y& R; h: E! \$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average.
1 R. C% e8 }- B# r' Y) o0 a22%: 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%.
& l8 h& r6 f. }. q' T$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation.
7 _; g: {/ Q9 {- F# e9 k: t9 v50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. ?+ ~1 f5 F! k
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
) q$ w7 I: }) b6 D+ W& {) v' S9 {0.40%: The average interest rate improvement realized by people who refinanced in the past year. $ i* J+ Q0 o7 |# x
1.59%: The average discount off of bank-posted rates.
' i" T$ |2 S" r: ]5 Q+ y1.96: The average number of quotes people get when shopping for a mortgage.
2 c2 F1 T6 p6 D/ a% B- C0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year.
3 D* s5 W9 H3 _4 d. P/ v' b10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. . {+ V/ v. W% Y- ^; ]: L7 C
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
" @1 z+ R" X! H% x A" hPeoples' favourite mortgage terms:9 b& s( ^+ N" K* ^7 ~7 u5 A; M
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1-3 years: 29% of borrowers # @9 E1 P. @* e5 @2 u' P
4-5 year: 61% of borrowers ( v) @, u4 g5 L- D
Over 5 years: 10% of borrowers
) i% X7 F N5 LCAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.
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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.$ E m/ p. Q8 I$ |: Z
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Where did people get their new mortgages this year?1 ^# V' f% C4 s& l
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Major banks: 47%
+ F0 ?; y% ]+ t9 ~7 ^( M; z3 \Mortgage brokers: 35% 2 R7 m6 A: o/ e! `, \
Credit Unions: 11%
# G' Q3 R7 u, j# x# EOther: 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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