快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

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( `( v' w0 k! N: G% l2010年12月

Bank of Canada Interest Rate 7 i) l. w) D& M1 R September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada 7 @6 t" P3 y# {0 y3 R 9 @( X9 e' h: ?  z8 h 4 X! p9 d7 f$ N  \+ L0 `% o- dBank Prime Lending Rate ( U5 L5 ]& s) Q$ V( `( f$ U September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date 5 `& O+ k$ x# A# p$ VSource: Bank of Canada   N8 C2 y  W+ }) `. `. V( q 2 M' Y! N3 D, }# K Conventional Mortgage - 5 Year Rate* September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 ! B4 A1 r) _' ? 5.44 % Source: Bank of Canada 4 V! A4 n2 E0 I) `  o# ?# }*Determinant for high ratio mortgage variable qualifying rate & V4 s) m2 N2 g! V% C; h' k US Federal Reserve Board Discount Rate - X' I: B% ?) o2 Z( R- S7 D% V; j   K; s2 \# O2 \% k6 b! G6 E September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date Source: US Federal Reserve : {* Y& }8 F: e6 ] * A7 O9 C  ^5 S" C3 z! X5 G5 e % q. Q( D, C1 `, ^$ D1 T ) q& X! ^/ B, H2 y7 TExchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada 3 k0 u" ?2 o$ t. y ' K5 d- w; r& n/ W, ^3 U& N+ g4 X: ]/ K 7 T! n3 V* @/ R+ y. I5 fGovernment of Canada Bonds Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill ' D( T! R; o# k1 q# J 1.21% * A3 i+ R- L& j5 Z 1.27% 1.39% 3 year Benchmark Bond Yield 1.59% 1.73% 1.94% 5 year Benchmark Bond Yield 2.06% 2.20% 2.48% 10 year Benchmark Bond Yield 2.89% 2.98% 3.19% Source: Bank of Canada 9 N: X) t, o* ~0 { 6 i3 K6 v! L) Y1 C! \ " A3 y& U# A& ?1 J/ `  e! G ; [3 v5 z+ ~* |8 c7 HTotal New Housing Starts (Seasonally adjusted and annualized) Province   Z  x$ |) |# [ August 2010 August / C& Y- S6 I/ N. Y2009 ( I- t% k' o5 V& a September 2010 # R9 a% G; o: [: _! Q! ? September 2009 October 2010 3 z! i9 I1 p0 {- ] October ( K* r9 {- H$ b5 V+ M0 I2009 4 f% D2 M$ R3 g2 o7 I  y Newfoundland/Labrador 1 d, _& U/ k0 N. u; n7 @! m 3,500 2,400 ) x4 v4 W# e* _7 m* |  ] 3,100 2,800 . Q5 s  f; H5 X7 U 3,400 2,900 PEI 4 |: ?: D5 S1 T3 _* x0 T" V 1,000 1,000 500 , W* U, ^% E2 W- ^5 t5 k& P 700 400 . o9 q# N9 w1 E9 f3 D; A% R 1,200   F- e  ^5 Y( e9 W  z6 R+ \' k- B, } Nova Scotia 5 ]5 y  R& C5 ~+ t 3,200 4,200 $ _, K( |4 D, E" B9 l 4,100 8 S( b6 @9 Q  R8 \; {$ o 4,500 4,700 ; ]3 r" H. d8 O- R% Y. r 4,000 New Brunswick 2 l0 j1 [7 C- E8 {* r, U8 B) S 5,100 3,700 2,400 8 t: O' |8 I7 h% I; p& {$ y0 Y( @% E/ b% R 2,900 - P2 @7 Y9 g6 z2 [! | 4,900 / _4 n% C* ^! f; D  _6 b 3,600 # L4 {0 `. j% m- x: O& q Quebec * k+ V0 A# B2 ^/ A4 I 48,300 2 C7 i/ D' N* B% r, ^( e: e0 H% U, N 47,300 ; D* _) \8 J0 U$ ^$ U$ \ 50,700 41,300 48,600 - D( v3 c  o& p9 E" g% A 37,200 Ontario 3 _) i& r) A- v6 u 64,800 44,200 58,000 50,200 44,700 57,600 + Z, [. P2 ~7 O: ]2 V Manitoba 6,100 5,000 5 k- z" A2 F: Y6 r* }' S- _! L* c7 [; f 4,000 $ m5 U( }9 q) a- k* I2 _8 l 4,400 + T" L' |; _& A) z: @2 I$ X 3,800 - R6 X4 V5 K" U6 H) x1 {3 ?+ A 4,200 0 A# R' F. O# q% A1 W% O' Q4 O Saskatchewan 2 `/ e5 [. p6 A6 V7 M9 o1 P* q 7,700 4 H" C2 G' S* d% S1 ?7 ` 5,100 5,400 3,700 4,700 ; k2 Q/ K2 z# I. V 3,600 Alberta ) u$ V, V0 e1 m% A 23,500 18,400 + ~7 q+ ^: o2 c4 N# N& ]& j 27,100 22,600 25,200 25,000 , t4 N6 G& F2 ]+ B# k! O- ? British Columbia 27,800 19,200 29,700 16,200 27,500 # }% a( `7 H! f. z1 ~' ?' F; h# x7 Q 18,200 CANADA 191,000 6 L* y: O! x5 b0 I 150,500 3 S$ Z8 ?# Q) r& l, z% w 185,000 0 r  H- _, s) T9 s 149,300 167,900 ' B0 |9 }$ J( S7 E& O 157,400 & j+ b" E6 }: l6 _4 B0 H$ M Source: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year. , R$ g6 C, K+ m+ `9 g- Q ( H& ^. o" l) h# @: E Average MLS® Resale Price for Local Markets   _4 g' j! d1 d1 R: a " `/ V6 ]3 v% s' _5 e$ Q, A* l& q8 i City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 ! y9 d! a; S0 e6 T $165,032 Quebec $219,440 $246,918 Montreal $285,100 $309,638 Ottawa $320,561 $305,872 Toronto $423,507 $443,633 Hamilton/Burlington $296,253 $305,872 Winnipeg $210,618 $229,467 Saskatoon $274,759 $293,929 Calgary $393,574 $399,679 Edmonton $351,768 $317,096 Vancouver $638,948 $707,207 Victoria $481,500 $343,747 Source: Canadian Real Estate Association ! M: z6 O* J* ]  Y' @* M! Z + U( k( c! z# D% d 6 r9 _# }7 S$ |3 ~- }" A % Q' [6 e8 a  ?; u( oQuarterly Housing Affordability Index Standard Two-Storey - {% a( @: M  I  q1 P  U$ | 0 p* j% C; s$ @ Average Price RBC Housing Affordability Measure Region Q3 2010 ($) 9 p2 ]) T4 R, t2 S8 ~: e& |: k1 v Y/Y / W( j' }: i. }9 z# ^! U' v5 _% ch. 3 e, {- w/ m6 n5 l: q Qualifying Income ($) 4 h4 Q9 H+ i2 U& x( @# n1 D4 cQ3 2010 . u, {% S+ ?7 s9 O+ w, B Q3 2010 ( |7 Q1 n8 U# I! G6 |! B  p* i(%)   I7 U0 T9 I: e+ t: s6 A2 G$ \8 E Q/Q Ppt. Ch. Y/Y Ppt. Ch. ' C4 Z7 Z$ b1 ^% {! M- N Avg. since '85 (%) - `" v0 q* K3 X" H3 c Canada ! r$ ]9 H- ~/ G% W 370,700 4 X! N9 k( u& T" n  r' b 6.3 3 R7 y& W$ T6 i4 n7 k+ x( ` 83,100 46.3 -2.5 0.3 : y! f: |$ ~/ G0 }( g- J0 q* ` 43.3 British Columbia 0 {$ B) k" V; L4 S/ v7 S5 a, Z* [ 624,800 5 c1 Z" y- ^4 n& z4 v  T 8.0 % |. P) P- I" O/ R 124,500 67.5 3 W) M6 _+ f3 T. u$ E" y -3.9 3 R- N2 C0 X* T8 V; n 1.4 54.1 Alberta ; x" B% v. }4 T, N. m& ~8 { 365,600 0.1 81,400 6 e7 e+ \5 J2 g6 A) ? 35.6 1 _1 l$ Q- P0 F8 d- a -1.8 ! O4 _6 \% k* {$ i2 L -2.0 / c8 d' |/ u* J* P 38.6 & D- o8 p6 P% s Saskatchewan 315,300 ; B" G) f' G7 ]& U* V' l; g 5.1 74,100 40.8 ' V  T8 B. m6 l- ~' h" N- y, O& X5 G -2.2 -1.1 8 ?! L; ~+ _% l& v& { 38.0 0 F5 j0 N! G4 R7 F3 M* i5 N, g Manitoba ) h& T; C0 t: O* x) \! r+ K- [9 p 269,700 1 x0 k3 P9 j; [0 w 7.8 65,000 2 S4 I0 i7 M3 d( J# h! g7 c, a 37.1 -2.3 4 i' _- e! S- W$ Q3 |% Z0 d, U 0.8 " x! C$ P, z5 n+ d, h) |/ e 37.7 Ontario % C7 t/ M! c2 |7 U3 r2 P 388,200 . ^; {* L! M% r# d9 [- I2 M 6.2 89,800 . \$ d! S! g0 J3 \1 k, u 44.9 : ~: g9 Q: n6 s3 V% s- u4 j -2.4 4 g" c5 t! l$ Q, b) e 0.4 2 U1 e+ U6 L/ N/ |7 @! |8 y 43.7 Quebec & a# r$ U5 y+ j0 J8 S 262,100 8.6 61,700 ( _1 h$ a  U/ w$ c" M) O* Q 41.7 -1.8 1.3 * Y* d$ R# r1 k 38.8 + K  ]5 ~7 |) H9 @3 s Atlantic 222,100 4.3 2 t8 v# W4 i7 G  [. }3 J 55,900 2 ~# @; ^. D8 i- K+ B/ d' |1 z 36.5 - L+ d9 P4 v6 s2 M4 u$ h -1.4 0.1 4 m: c( Q% X8 z0 M0 X 38.0 Toronto 554,700 - L" M- h% J2 Y  H* z+ \ 5.6 120,400 % Y. g# |" z* h& e 56.2 % w1 f; w4 w7 Z7 l+ t/ O -3.8 # O8 R0 R1 r, O. v! o 0.1 * @8 w& M& H/ t6 r% o* ], B 53.4 / j/ \2 D' Q2 m1 B0 L6 q. q1 b Montreal 335,300 8.9 & y! y! D+ j0 z1 H  `" d 75,800 / c8 Z; V# g! s0 M$ v7 c( z) R 51.3 -1.7 5 n$ r# a! i* j" ]$ p6 D' p 1.7 , s2 j6 \% ]( ~: q9 u# z* H 41.7 : B) h: n1 w6 W8 D Vancouver 766,300 & o4 ~3 N: Y) _4 V! W& V 8.4 149,400 6 }) n6 i. c, m) a 78.1 -4.7 2 G8 {: i5 v/ E6 D 2.0 62.6 - E3 s6 w! y  Y0 n Ottawa 350,600 " l$ L/ @: l; c/ f; A 4.8 86,600 # K) u# q* l  }2 `3 k 40.5 . ^$ A  e5 [  Q) T! J -2.5 # W3 k5 r5 G  j. F' \ 0.0 2 E1 ~) C& [8 i$ a: \ 39.1 & ?& N/ v( K9 Y  `0 P; J. N: [, q9 J Calgary 410,500 2 _2 }6 m5 C+ H4 l0 } -1.0 86,700 37.9 0 H4 M- o, l1 J9 w& D -2.3 9 k" K, ~" T4 Z3 z4 a -2.6 40.3 Edmonton 9 I6 w8 M$ L6 ?7 j+ A- y* V 362,500 1.2 ( F% a8 @9 a5 R7 S  G/ {+ J 82,500 1 h- ^( _+ M6 p9 c6 d 37.0 -1.9 3 h" l, ?3 ]$ X: s( k8 E3 K -1.6 ' D" [$ v' y# E  E 37.0 1 ?' B/ @% M# ]3 ~8 \4 C/ t 4 I8 l* x9 b& L1 {# r, N& } Detached Bungalow Average Price / v& I7 X3 f0 K+ B! |) Q5 Y* U RBC Housing Affordability Measure Region % \) A' X/ d% ~- J3 q! r Q3 2010 ($) + r$ n; V  G4 p& u, i& e Y/Y % ch. 9 S  V. b" i& I; v# L Qualifying Income ($) Q3 2010 ( i/ e6 A; \# T8 ?# V( O7 H/ p! ~  C Q3 2010 4 e. k3 ?# A# C7 a(%) . _7 D! `8 }9 N6 J( O9 t5 ] Q/Q 2 N4 `- R2 I0 Q; P, e; e2 v: a3 y& ZPpt. Ch. 4 ~3 X8 n4 c" o8 ~2 { Y/Y , H& _" E6 U" R+ ]/ \, lPpt. Ch. Avg. since '85 (%) Canada ! \: v1 F* I# C4 _7 b% }( v' T$ ` 325,300 6.8 72,500 % x/ @/ b$ ^1 G- f3 p" E 40.4 " O& z# m$ k, J  ~ -2.4 . c2 e& g8 I. h- Q/ `6 a  q 0.3 " g% N3 y8 E: {/ P9 ]* G 39.0 % K4 B7 ^2 d( R" `2 L  E British Columbia   i# A4 ~! \1 O& M 544,700 8.5 108,800 59.0 * w8 N- o: t1 x0 [ -5.0 + D( J5 C3 p8 j* e" m 1.5 5 K4 h: p$ ~) p- u* y 48.9 9 i+ I: v+ D2 [( }- Y( A Alberta 340,500 2.9 74,400 9 m" o" @" O& U 32.5 ; D: B3 P) V3 U% Q7 E! I4 J -1.8 -1.2 36.1 Saskatchewan 312,400 . E5 ~: u: ^- D4 L+ s3 k6 ?3 b, I 6.3 70,900 3 C# g3 {; j) o" u8 R 39.0 ; d6 k+ ^8 y7 b1 r' [% ^ -1.9 -0.8 4 h/ E* s  r3 s1 L* K/ J 36.6 # h$ \0 `5 u# r( Y4 E/ J Manitoba 251,000 , T% N; K' j  o$ f 9.2   K% |+ W0 S7 L! h: [ 60,800 6 _' W- [2 F& H; z 34.7 -1.4 6 v& L; m. O8 s; B0 D8 i 1.1 : ]$ A$ t4 t( X; b! X' a 36.8 " ^0 M0 E# ~! Q1 q" c% F: `0 ` Ontario   o9 ?* {3 p, m# t& i- F( t6 s: m 337,400 4 |- ]$ w- X/ S' i# r 6.1 6 ]" G& E2 ]% M* e 77,900 8 C3 t& t( S# ?6 L 38.9 -2.2 0 ?8 W, t: c0 A4 T( L# V; x 0.2 ' C: s' b1 J8 G9 P 40.1 Quebec 221,600 9.3 " t7 ~0 ]7 Z9 J& o 51,700 ) p$ w+ ^0 V5 G3 D* f 35.0 -1.4 0 M' L1 n! D- O( G 1.2 ( f" B4 F: q6 `$ n: a 32.9 Atlantic 4 p. k  T- F, }( l' T 196,600 ; A9 h! u4 S- v4 g* B& K6 g 2.3 48,200 31.4 -1.0 -0.4 1 w5 j$ D- C% H* [7 W; [" s 31.6 Toronto 466,600 5.0 2 G0 e, `) P3 @1 O5 t7 k/ E 101,100 47.2 2 W$ [% S) b3 |/ V; G: B( U# R -3.0 3 N+ M, i# u, h$ S8 a" D& G% s! w -0.1 48.2 6 O5 g3 I$ w; s6 Z3 X Montreal 2 k& D3 n" O, m 271,100 ! {# v3 d' y* q  k+ F6 v 11.8 ( X8 R  Y) ]) N  {( D, J! Q- d 61,600 2 j6 f0 |# O0 A2 b% Y  G" h" t 41.7 ) V) U: V" r( O -1.3 / b# _, M. h3 q, v# `$ |! c 2.2 36.9 3 R5 A1 m0 ?* ]' R$ } Vancouver 4 [2 Q  B! R+ B+ V1 Q# [ 672,500 9.7 131,600 5 F6 ^* o6 r& O( m: U 68.8 6 |5 i* M0 t( F: r$ @' Q; F' _4 A -5.4 & d# x  M! F& T8 [3 ?/ h 2.4 57.3 Ottawa % P/ Y* x* _. {9 } 340,800 3.4 , j7 G2 U' ?9 ], ] 81,800 $ S- N( C/ ?; T7 v4 I 38.2 -2.9 -0.5 , L9 K* c; L- \6 u- D, C0 J% m' | 36.6 Calgary 412,700 2.7 85,00 37.1 + p; V! A( Q9 ^8 I -2.0 -1.5 6 r0 m- Y+ t4 D9 d( X5 [ 39.9 0 O- A" z9 F- T. g" x& K Edmonton / b1 y5 L9 Q3 I' K. V 322,900 4 A6 R. C) p( M$ O% [4 v- ?# F$ o0 N# \ 5.4 72,900 32.7 -2.0 - G* H' O; f' d3 _ -0.5 33.9 0 H1 `% k! u( H9 R 8 u2 W2 G  }: ^* C& USource: RBC November 2010. The measures are based on a 25% down payment, a 25-year mortgage loan at a five-year fixed rate and are estimated on a quarterly basis for each province and for Montreal, Toronto, Ottawa, Calgary, Edmonton and Vancouver-metropolitan areas. The measures use household income rather than family income to account for the growing number of unattached individuals in the housing market. The higher the measure, the more difficult it is to afford a house. 4 x  J; a) `: W7 K$ Q# j0 G

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年轻的心

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年轻的心

快讯： Federal Government's Mortgage Insurance Changes
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This morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     
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& X& |/ D; p" z6 h$ Q8 T9 bThese measures include:

. ~* K. w4 D" N  x0 V! u0 V0 lAmortization period capped at 30 years
/ t# ~- J' {2 u$ m0 p2 ]/ }Reduction of government backing for home equity lines of credit
Maximum refinancing reduced to 85% from 90% LTV
There are no changes to down payment requirements as CAAMP recommended.

CAAMP will continue to update members on any new developments.
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For additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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