快讯：Rate/Bonds/NewHouseStarts/...

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2010年12月
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Bank of Canada Interest Rate ! E+ E( r1 U* p  m& r2 ?3 j; n! Q September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada & m0 `4 r$ H9 m* U4 G + V" ]1 A8 d$ E$ \Bank Prime Lending Rate ) k, v) A1 _1 ]1 H/ U5 F' S September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada ; l7 P4 L$ A' ]( l. | 7 ^, \( |/ T6 w1 O Conventional Mortgage - 5 Year Rate* - v3 ]( ^3 T6 l( P: ?7 \ , Y. n4 v: `- L) w6 g7 z September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 5.44 % Source: Bank of Canada 0 x: Z4 A; M+ z8 U+ `*Determinant for high ratio mortgage variable qualifying rate 7 k. `7 f: a2 d* l3 G4 D* z- k US Federal Reserve Board Discount Rate % U) P4 h7 s, F( }* G7 C & C# _) m3 ]1 W September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date 9 Y: u& \% t' l, TSource: US Federal Reserve + |' g4 d; i% ~ Exchange Rate $CDN($US) 3 I, K/ H$ ~! F3 C  K October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 $ l1 w* `6 s4 @, _' ~# y, \Source: Bank of Canada 9 C9 I0 z* c* X. Z* e8 Z 6 ]( f$ q& h' j$ L- g# g / n+ B7 Y6 U  \& L0 n , g& H/ S' M% h6 I6 ~- q: DGovernment of Canada Bonds # Z9 Q2 Z3 w0 d# m+ r 5 {  p, }# s1 \$ `2 c/ a  e5 S4 R, | Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill * n% }  H' w  I+ B- B5 g 1.21% 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 / y0 ?; Y8 T6 F/ C1 mBond Yield 2.89% 2.98% 3.19% ! s: a: ~! \3 USource: Bank of Canada 5 V4 M  {# i/ D4 q4 n! T! e ; q0 H) l) z( Z5 V $ o: i0 K5 H' D( g  W! _4 T2 u# A0 S( K . d  n1 q4 ~! U% `/ L. s( sTotal New Housing Starts (Seasonally adjusted and annualized) Province - e, K8 K1 ?! q& Z1 n; U. o* L August 2010 0 F1 E3 Y; ]4 ~, Y8 M) B August ' v4 m. u+ W7 ^) h! b2 h4 P2009 September 2010 / t3 z3 D" H* ^/ r0 O% Y6 S September 2 F/ N! u  ^2 J( H! ~2 F1 s; ]# a  z2009 October   u  n; X, |+ S6 y3 J+ _2 g$ S+ t3 z2010 0 w2 c% C8 x( q8 t" ] October $ C6 _6 o* l+ x, s" S2009 Newfoundland/Labrador 3,500 2,400 3,100 : E% V2 S! }$ G( q6 @ 2,800 3 i9 U4 x5 o' F 3,400 2,900 PEI 1,000 1,000 500 + S, Y% d  g0 H+ o8 p7 E$ Y 700 6 `8 _1 I4 u# P  h6 L 400 & {2 \7 k( U# x, z- ?* J- P 1,200 Nova Scotia % x; r, ]! G- C7 k) y& J  O 3,200 " O6 e0 k4 r' d7 @3 _1 C 4,200 4,100 , v1 c* S4 g; \' K 4,500 & h, a9 U% s# m 4,700 4,000 ; m3 b/ U9 O5 A9 Q5 x, E6 y' X9 { New Brunswick 5,100 6 p7 H0 o" J" T5 x+ U 3,700 2,400 2,900 4 t5 }( l( L- _ 4,900 ! I& O- W: C* Y8 V* R2 q 3,600 Quebec 48,300 47,300 4 C9 z. P( H5 U* p+ V7 n 50,700 3 G4 A4 Y- L& D7 x0 P 41,300 & {8 L4 i$ d0 o8 R& h1 j 48,600 " _4 T  _; G& z0 n 37,200 8 [" `6 c7 K5 ]$ l Ontario 64,800 % U( H; m  D9 { 44,200 58,000 50,200 0 N1 @& P9 C. R; N- \: r9 e 44,700 57,600 0 t6 `3 a5 ~' k$ j8 {5 M8 Q! q Manitoba 6,100 7 e2 W2 l5 }9 E# a! K1 m 5,000 4,000 4,400 3,800 " a( c, P% s( U. o 4,200 Saskatchewan . y7 ^+ T2 n& K( d& w1 B. u6 p  u& I 7,700 5,100 ) x# g& R" N& Q  d. ^$ w 5,400 3,700 . H0 |! e5 G! L$ u 4,700 ' {. m' h. }8 F: S7 S 3,600 ' ^+ O, Q) X% O3 C Alberta * ~- c5 S& Y" g# Q( \( m 23,500 18,400 - d: m0 d) b! k' e 27,100 22,600 25,200 25,000 British Columbia 27,800 6 P& v: d! U* C9 m" ]' ^ 19,200 29,700 : E( b+ h  s2 I6 d5 B 16,200 , K% P, P) ~# q2 y% a( C 27,500 , Y9 r% ~/ y# @* m5 C8 ^ 18,200 3 Q; w% g( m" l/ n CANADA / m; x; _4 p/ F- Q/ C% k 191,000 + d; p5 B- \$ S/ }7 e* j) M 150,500 5 W/ h# D: S, J- I( R 185,000 149,300 ) V1 M" B  W& ]0 R1 S) _# V 167,900 6 v$ }% y0 A& E0 B) f 157,400 / L9 R  H# u! N  D) L/ ] / E) \5 t3 N. v6 J6 B2 YSource: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year. : X  b$ U; ~! u/ {$ x% x ( \: i( E; z+ j% e7 f ) K- {0 D+ S0 |% f( m 0 ?" D) V( t" ^( ?8 n& ]5 g6 v2 b& A 9 j% p" R7 ^6 J1 ^( [$ B' A7 jAverage MLS® Resale Price for Local Markets ' Q* I  g3 x' N7 f! J$ i ; k4 R& G$ {4 `0 a2 n. G, a. U, } City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 9 x8 T; _! O/ U% N7 M $165,032 Quebec $219,440 $246,918 Montreal $285,100 $309,638 Ottawa $320,561 $305,872 , n  O% O) I; a# p: I Toronto $423,507 $443,633 Hamilton/Burlington $296,253 $305,872 Winnipeg $210,618 $229,467 Saskatoon $274,759 $293,929 Calgary $393,574 $399,679 Edmonton $351,768 $317,096 Vancouver $638,948 $707,207 Victoria $481,500 $343,747 Source: Canadian Real Estate Association ; {# _: O' P, O$ S8 K& L0 t 8 |0 Z- g# f/ k0 h 4 Y* w5 Y4 E9 _# I2 k, L7 x4 z Quarterly Housing Affordability Index Standard Two-Storey Average Price 2 p$ q# s0 ]6 G6 o 8 |. G/ s% `: j& N/ H& F. C RBC Housing Affordability Measure " A+ H8 f6 T" W8 A Region $ ]# L0 Y* y2 }; v) s Q3 2010 $ m( X7 w5 O5 z: _" Z: }/ i1 A($) 2 H1 p  D8 m; Q Y/Y % ch. # B$ c# m/ b- O0 E& H7 n Qualifying Income ($) Q3 2010 6 c2 _! m8 U1 j; \2 j Q3 2010 (%) Q/Q Ppt. Ch. # R$ W9 \! o4 J- [ Y/Y Ppt. Ch. 1 x' W: C1 E- |, q: h7 _* \ Avg. since $ e, I; \) r8 N8 H+ m* }'85 (%) Canada / q, g3 {3 A. _1 `8 p 370,700   u: I% L- H( G. P3 o 6.3 83,100 " ~3 S) C# l0 N/ |, K  M/ ~ 46.3 -2.5 / t8 c2 t! P$ u, X4 l$ e% s) f 0.3 43.3 British Columbia ; N/ A! y2 P  E4 n( Q7 p, d 624,800 : g6 y" @+ F9 m5 n" O7 b/ J# b8 D( q 8.0 124,500 $ A0 o- p/ W" K3 E3 t 67.5 -3.9 1.4 ! p! Z$ c& |1 R/ A7 F( T7 {6 w3 \1 E 54.1 Alberta 365,600 0.1 5 a. j" n' z; J, T 81,400 35.6 -1.8 - ~' o+ t) F6 a% r  h -2.0 38.6 Saskatchewan , ]+ G( ?  C8 s8 g* x4 l5 G, y' o 315,300 0 J: u/ L% X/ A8 S 5.1 74,100 40.8 -2.2 -1.1   I; }& w  f' U4 W; k0 G0 y 38.0 Manitoba 269,700 7.8 0 i: U/ n" K, Z- o- U) P) j 65,000 37.1 -2.3 0.8 , Z1 X$ K  E& a 37.7 Ontario 2 ^6 ?1 Y0 ~" z% } 388,200 % r# P# R7 q) ?! w2 X( `  R 6.2 89,800 44.9   @7 X+ e8 N, G+ d/ m -2.4 - ?7 s- k% }+ r( q 0.4 " j, S7 N1 P4 Y) a 43.7 Quebec : I) J, \+ c7 u3 `9 q; J 262,100 8.6 61,700 41.7 ( B6 H% u  ]. y& D) ~' _ -1.8 1.3 ) b2 H0 M2 i' T' N, j 38.8 + X  n* K6 I$ G$ o) U Atlantic 222,100 4.3 55,900 36.5 -1.4 0.1 38.0 Toronto 554,700 5.6 120,400 56.2 -3.8 ) z! }: \" z/ O+ ?& k 0.1 53.4 * s$ [) w+ x7 e7 O/ G* N Montreal ' c. I7 S* F& r. W6 N5 D5 S 335,300 8 K' e3 N; ]7 |+ [* v 8.9 75,800 51.3 -1.7 ! X) `; X2 K. A  ~6 S; `! [& o 1.7 1 e8 H; E+ ?9 Y9 j9 } 41.7 8 D/ ~& w+ ?% m7 v+ |& w* h* j8 _8 S Vancouver 766,300 8.4 149,400 / z, d, n( C+ W/ q  J% d) }$ u) w 78.1 ! L3 `! \) r7 H/ Y; ?: O3 S -4.7 3 K$ m1 m5 O& E8 \& T: q 2.0 1 k/ A* P7 `. ~$ k 62.6   t: p1 P8 \3 Q& @. c Ottawa ) }: S  @1 y9 M 350,600 8 z: @1 G/ N* ~4 d) i" l6 S  }* J 4.8 86,600 ; C0 x1 U& N1 E# S7 d( `) T$ A# J1 A 40.5 -2.5 0.0 39.1 Calgary 410,500 " L, W2 U* i- W7 F -1.0 86,700 37.9 0 g& z. ]2 h) E: J" _ -2.3 + {! p, @6 k/ A$ Y3 U -2.6 40.3 ) X/ O4 f: B  _0 m. U: ? Edmonton 362,500 1.2 # t# i0 {: C% B7 J 82,500 37.0 3 y. D& V# ?! o -1.9 -1.6 37.0 4 O/ W0 }6 n- b4 V Detached Bungalow ' _! T/ `3 c1 e7 `- n Average Price & z6 y$ K9 R+ ] RBC Housing Affordability Measure * O  w& [  J/ m) T' C Region 9 U  X! _. w1 C Q3 2010 ($) 5 c8 V8 {: S9 f  y$ a$ j Y/Y ; K0 W2 {: ~0 u4 i1 J- {# C% ch. Qualifying Income ($) Q3 2010 Q3 2010 # U- k. ^8 h6 i" K) F7 k0 v$ ?: u(%)   t+ w( G, G6 H Q/Q Ppt. Ch. Y/Y 0 ~  U4 P# ~, jPpt. Ch. Avg. since ' g" f: d: N0 M* B'85 (%) Canada 325,300 2 J. M* x; w4 I/ L& M9 m 6.8 : _% [) w6 c, v; r' k: @  V 72,500 40.4 ! N% z- E1 [# u6 e; | -2.4 0.3 : H8 N# X' o+ K, T 39.0 " G0 }- ^! q3 l British Columbia 9 a: @5 Z4 U2 S 544,700 % |+ U9 ^7 M  b, Q: c; B3 P* S" m 8.5 3 B) o9 z- Y4 I 108,800 59.0 % k3 Z8 ]# j' I' T( z6 G" Z -5.0 5 ~$ K7 U( q3 o% K" r3 p" ?  U 1.5 ( w6 O( t" f5 n6 P 48.9 : e) o# i, X2 J9 i6 ?( x Alberta 340,500 ! A. Z: P2 F4 J. ~) H) V 2.9 4 l( C4 h+ l3 G. `! B+ A9 y9 h 74,400 32.5 6 s  g! v  p- r) F& P6 i -1.8 4 a6 I2 |" [9 l" ~* ?9 ] -1.2 1 I" }# E. F* ]5 E$ R5 D 36.1 Saskatchewan 312,400 6.3 70,900 3 w# K: E  m2 z+ \6 ]3 t7 A4 M 39.0 -1.9 -0.8 1 v7 g$ g* k) F 36.6 * ?* _+ B/ @6 O+ \2 s Manitoba 251,000 9 y# }+ ^  {- v4 o3 e+ T# U 9.2 7 }. N% Z/ J7 V0 V7 M 60,800 34.7 5 K& G" \+ O7 s$ B5 | -1.4 ( t9 J/ s9 \8 S4 { 1.1 1 {) o( C- x/ ?( q, Y# c6 l 36.8 . d, G$ @7 S7 [) A" U Ontario 337,400 ' d; W, B' Y! F6 [ 6.1 . M" ]6 }2 T: Y; q# U- N 77,900 38.9 ( c, W& R& s3 q/ u5 ? -2.2 0.2 ( q! L2 U3 j) i5 m+ @& h 40.1 " `! [( H8 U: \ Quebec 221,600 # H* Q& D4 W4 e5 U$ y/ ?; D$ c 9.3 51,700 - x% Q$ c) s& j  O$ g+ k/ q1 v$ U$ Q 35.0 -1.4 / ?* W3 V, _/ S7 h 1.2 32.9 3 I% C+ `6 n3 f& U; {& s Atlantic 196,600 2.3 6 g  ^/ E0 F% H$ A 48,200 31.4 6 G/ \' l) A) O) W( u" w -1.0 -0.4 31.6 Toronto 466,600 ) Z( j. y: B$ b4 r5 d3 m' T" T2 B 5.0 101,100 ) y& |* `& y- } 47.2   C" t0 Z- M) b5 X$ e( c& S -3.0 9 F, |0 b- t# c2 f% n+ ^ -0.1 : b3 Z( @6 L% B# K/ m 48.2 Montreal 271,100 11.8 : r6 {' S2 a  A/ w& ]. O" a 61,600 # X( {# p( M& x8 l8 E 41.7 - J& m1 p- s. J$ o7 V0 m' O -1.3 2.2 36.9 Vancouver 672,500 3 ]0 A. w3 N% }) z5 c8 y6 c 9.7 6 `# Y) c/ J7 k) p; c' ~ 131,600 68.8 -5.4 ) D+ j4 ?4 I, B, N* L 2.4 ! k4 U2 v: Q" l  d$ i 57.3 4 h5 i- W0 x4 D2 j4 o. [: F Ottawa 2 l+ I4 S7 Z- a# F' Q 340,800 3.4 , M* R. r5 k- X 81,800 38.2 -2.9 9 S8 Q$ |4 f2 V- ]8 i; R! b7 g -0.5 36.6 Calgary 5 P- E) D) ?1 Z* @3 u- P 412,700 2.7 ' }- a  ?+ g. T( I: q' ~/ M8 F 85,00 37.1 -2.0 -1.5 ' y/ t  e# Q8 h0 ] 39.9 1 |/ N; l7 j3 g1 G; f; s Edmonton 322,900 # Q# h, g( L$ j  k5 X! g 5.4 7 O3 a5 s& m9 d3 P. }9 U$ q1 N& J9 S 72,900 32.7   Y* m% {- Q: _' i4 o4 U -2.0 -0.5 33.9 6 \% e7 D7 k# R) t% B- d " }) k1 @8 K% s# K$ r) P" d; a$ _ $ ~/ a( d* W- r1 YSource: 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. " N3 m8 F* i6 d, V2 n

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快讯： Federal Government's Mortgage Insurance Changes

This morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     

These measures include:
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Amortization period capped at 30 years
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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