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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
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0 Y8 w! ]- \, p. n& g' y CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones:3 n# \6 _5 ?! L# N, D$ V# q
+ g# Q9 n8 M* k7 K; j+ B* a. H5,250,000: The number of Canadian home owners with mortgages. 9 U i1 s6 y* s
29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. 3 v0 I$ ?5 n; T# U. m1 A
86%: The percentage of people renewing or refinancing that stayed with their existing lender.
' Z1 l. U. i7 e" k. ]2 J! P! B$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average. 2 m' a% F3 U# g
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%. ' ~& A8 s4 }! U
$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation.
8 _! P7 I; |2 L$ k M/ a" Y) V" n# z9 y50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. 9 i/ L* q) Z" Y+ A+ m$ x. x8 K
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
* m# P. b% O7 X( s$ B0.40%: The average interest rate improvement realized by people who refinanced in the past year.
6 S/ q# A5 s, E5 ^1.59%: The average discount off of bank-posted rates.
& j) V) q2 `* ?/ g0 l' [" K1.96: The average number of quotes people get when shopping for a mortgage. 2 Z6 O3 O8 m% B. E$ V8 Z' U. y7 h
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.
3 ^ k+ |) P# H. Q2 `: D2 Q10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009.
% ~3 u3 S( x+ _3 k) d2 t9 ?36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
7 i3 F# ?# L0 }% x: \8 KPeoples' favourite mortgage terms:
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! n2 o2 T& ~* }. I* w5 G1-3 years: 29% of borrowers
$ R$ B$ v, f! w. z3 v6 M, I ]4-5 year: 61% of borrowers
$ F# j3 Z/ m8 jOver 5 years: 10% of borrowers+ g |7 {! o1 R* s# w
CAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year., M u( w4 G3 `: d4 T! T. t- N
' V5 f7 z$ Z* [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.
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7 U, J( [/ G) X" }. y" WWhere did people get their new mortgages this year?( M. [* {. u' {+ T, {- o" Z
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Major banks: 47% * K. h% o0 @$ O+ a$ r8 `1 c/ q
Mortgage brokers: 35% $ T1 n5 D$ i2 m- V t! ~8 {
Credit Unions: 11% ! g5 F- i8 l& c2 `
Other: 6%2 J) ~ X; l U' |/ K6 D
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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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