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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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& ~5 j/ ?/ O' B4 j8 f0 m( ~Tuesday, 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:
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: N& O- L# c/ Y7 f- a/ q4 ]1 Y ]# o5,250,000: The number of Canadian home owners with mortgages.
# D$ B* ~/ v _29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. . m6 B* W% z/ a) l& @6 s
86%: The percentage of people renewing or refinancing that stayed with their existing lender.
5 t$ U% K: k$ }. w, u9 T/ }$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average. 7 ^# M$ c' z" ^; a2 P) ]; Y) n$ a
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%. $ n/ |$ s2 w) J1 A# _
$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation.
* \1 a M6 J9 p3 L% |) T0 m50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. + u9 b; f0 e9 V4 ~( b" W" r
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%. & v$ Z( q5 A# z7 ?1 V2 [4 I0 l
0.40%: The average interest rate improvement realized by people who refinanced in the past year. : w6 o+ {: {& U6 D. ?
1.59%: The average discount off of bank-posted rates. 1 H* r$ D3 O% F% B! Z
1.96: The average number of quotes people get when shopping for a mortgage. + V8 [# i* c" P4 u2 R
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. % z; T @( ~ t6 D! Y9 e1 i. {4 { r
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. 9 I: o4 D. k. B6 Q6 V
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared. 8 K; i# p9 B5 z' ?
Peoples' favourite mortgage terms:
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1-3 years: 29% of borrowers 0 T4 y! |7 n9 N" y; `1 m" P
4-5 year: 61% of borrowers
{+ x8 t% R) I% g$ [& ^Over 5 years: 10% of borrowers
8 \+ t5 T+ ^7 J% I% MCAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year. P3 D2 { O# L- k6 P
" L' S& U- I0 A1 Y% X U# aThere'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?, v& j) V9 f! A4 S1 h, |, L7 q1 c
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Major banks: 47% ; |- a; G. d( g, |
Mortgage brokers: 35% 5 M$ C1 G3 r$ `5 Z; [$ V$ u
Credit Unions: 11%
3 T9 a. n) k& I1 `3 ?" K) ?Other: 6%6 \' Z9 p! Q5 W- `
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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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