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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 . @9 F8 u. }" _( ]+ I
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Tuesday, November 25, 2008 6 a& q: w8 B: y7 W* L8 c8 T8 M1 ^; b1 n
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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:6 u% {) r8 ]* a8 z. J3 N
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5,250,000: The number of Canadian home owners with mortgages.
; ?$ _" V. C7 h) H, f! Z; ?29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. 4 `$ g5 h5 `) y h- b) b
86%: The percentage of people renewing or refinancing that stayed with their existing lender. . J- @0 x; [6 ], E \7 X) Q2 \
$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average.
1 ^% ~2 w2 E1 s1 l' g. L, l22%: The percentage of mortgagors who took equity out of their homes in the past 12 months. People are spending more because last year it was 17%. 3 W: K1 K7 ?$ S7 Q5 i, V
$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. + m3 F7 }/ J$ y
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years.
% L% a0 F1 P$ P$ [& k5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
- a" K% Z% D6 O7 R0.40%: The average interest rate improvement realized by people who refinanced in the past year.
) b g, j5 `% b) I2 d4 j1.59%: The average discount off of bank-posted rates.
1 n4 k" `0 x/ Q* H$ R* V1.96: The average number of quotes people get when shopping for a mortgage. " u) b" c1 i6 d( M: |
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.
* x) ?4 S% ^: Q" L/ ]' K) T0 }10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009.
& P# |+ z0 C+ f F: P36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
* t; L/ i9 d7 {( pPeoples' favourite mortgage terms:
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1-3 years: 29% of borrowers 0 q+ ^; t2 L9 E7 {: @$ Y
4-5 year: 61% of borrowers
5 c/ T( y. L5 B( O6 z3 f$ Z7 S& |Over 5 years: 10% of borrowers
+ m! w/ X$ E y+ @1 r6 pCAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.
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5 U- W' Q5 Q, n1 ?( p( UThere'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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# M. Y* G- F4 l$ o/ c1 E, h; _2 PWhere did people get their new mortgages this year?
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Major banks: 47% 6 k# \1 O& {6 r' ?# d
Mortgage brokers: 35%
5 P9 t7 Q$ |( b6 X# m) _$ wCredit Unions: 11%
9 o8 h7 s7 b0 a8 B- C) ^6 S, gOther: 6%' v. D( X0 W8 i
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楼主: 郭森房贷
狗仔卡
发表于 2008-11-16 20:47
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