 鲜花( 65)  鸡蛋( 0)
|
楼主 |
发表于 2008-11-25 15:19
|
显示全部楼层
Canada's Mortgage Market - CAAMP Report
Canada's Mortgage Market - CAAMP Report 2 I3 B5 \) p2 y. B F4 c8 R' P
8 e' Y! O0 d$ M0 G
Tuesday, November 25, 2008
3 w1 U9 d: S+ q. d( o# s2 l ; D1 R- I3 v% M6 l- _6 v) }
CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones:
& ^# ?9 i# Z. u( H+ B
g; I/ r! P( S5,250,000: The number of Canadian home owners with mortgages. - f; O8 Z. N+ c& p7 ]4 g
29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months.
, m) p$ x5 o9 s5 Z' j86%: The percentage of people renewing or refinancing that stayed with their existing lender. Q6 m' a' N- C1 Q
$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average.
) }- {( P% K# ?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%.
2 C- X1 Y8 `* e, W/ P( E$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. ) I6 L- p) I& y( L' e9 e
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years.
v$ {( l: N( }) m! I; J( \. o' q5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
$ [3 z! C1 w1 V6 _0.40%: The average interest rate improvement realized by people who refinanced in the past year. 6 X5 H6 Z4 T* K+ B; D6 G
1.59%: The average discount off of bank-posted rates.
% I& X7 B- F& {) I0 U- Z: S1.96: The average number of quotes people get when shopping for a mortgage.
) [* _6 B4 G! r. Y1 }% b+ q0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year.
; L* o( D0 V/ j+ N) U- [' F10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009.
3 B' v5 [6 g( N/ A/ x! V' C$ M36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
% l, K+ O6 ^! d3 i% T" s9 ~5 u- uPeoples' favourite mortgage terms:
& d. \: `. S/ t1 N/ Q
+ l" p6 b/ B' t1-3 years: 29% of borrowers
! i+ U8 p, D) z1 y# w2 o! W4-5 year: 61% of borrowers
* {4 N' C) n. q u1 H, Z* qOver 5 years: 10% of borrowers7 |$ g+ X& g P0 K/ m4 s* E# B
CAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.5 a5 |3 |3 u* W2 n
# l# ^7 Z2 t8 I# L5 u7 NThere'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.1 F" I" O% a) I+ N4 C" |0 M
6 C' z* J/ A3 L9 B& s: a/ AWhere did people get their new mortgages this year?# _: y" C5 o# y; I. c9 m# l
2 |7 j2 o/ g7 dMajor banks: 47% ; [4 ?4 R$ T" E8 ~9 {9 ~
Mortgage brokers: 35% . J; x! D" z, r, Y' r8 B2 n9 r
Credit Unions: 11%
( P6 D5 W. f' L1 }1 ^2 OOther: 6%
4 P1 I3 h# f: ?- f5 L$ u$ f2 ~ |
|
楼主: 郭森房贷
狗仔卡
发表于 2008-11-16 20:47
显身卡
