快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

$ l9 j  s- U  U8 p7 T+ m& i8 @7 c2010年12月
/ @% ]* L* u% f# c2 k

Bank of Canada Interest Rate - }! F- h6 p+ m& d" Z  ` September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada % Q& n3 }1 I" x4 [; \% J ) I$ K6 j% u0 m8 KBank Prime Lending Rate ' p3 O+ D* T. n, i+ p8 R7 V 7 T! p) ~* \6 r: K' R September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date ! g3 x5 X1 |5 uSource: Bank of Canada " s' V% d/ {. D! V  u6 l 4 I4 U1 `" Y5 ~' v- r- A1 d# {Conventional Mortgage - 5 Year Rate* 7 m% l! z- Q! W& G6 _' _ 8 j% S, j& g2 c) G September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 # k& e: T2 t9 ^/ Y 5.44 % Source: Bank of Canada ) C4 n5 V) u8 J*Determinant for high ratio mortgage variable qualifying rate - y4 K; O2 ^; e0 J* ?# C US Federal Reserve Board Discount Rate # ]- G- K5 k7 p/ W, o& O, ]0 q. o 8 G" H+ l* g; P; g- u2 t9 J; P September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date 6 m# b3 o: v) jSource: US Federal Reserve 6 [6 F/ X1 |$ E6 {* r* X2 w) [ ( T' \7 k# |+ F7 o ; j* o9 ?4 i. b2 l. [: o' X5 a 0 G: f- D  e4 t/ a4 d( V, _- _6 \) LExchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada ! A0 k, B( t. q: ]* {8 a6 G & e5 s  }& r3 Y9 I3 W5 k ; x6 G0 d9 J! \; s3 r1 S# EGovernment of Canada Bonds Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill ( q& _0 x/ j1 z: t, M% y 1.21% 1.27% 1.39% 3 year Benchmark 7 C! p- q- o: T: SBond Yield 1.59% 1.73% 1.94% 5 year Benchmark ; I8 l  f1 \$ l8 {& k! X. jBond Yield 2.06% 2.20% 2.48% 10 year Benchmark Bond Yield 2.89% 2.98% 3.19% 1 S% c9 t1 ?) s8 i7 @$ V2 ~Source: Bank of Canada % S4 V! x$ O& y* q' L" E0 Q( F# J6 x% ZTotal New Housing Starts (Seasonally adjusted and annualized) Province 0 |" R: g  b, G) m August . r1 p2 E2 `3 ~5 G* R2010 August 2009 - z# Y8 p. C8 O2 Y3 l, q6 l. C September 2010 4 Y  j6 [: X3 P* w# c7 X September 1 m; T0 b, i3 e4 G) P: D2009 . s9 H" v7 y  V" e! j October ' N/ W. q5 d! p0 S/ R$ _9 U6 q; ?2010 - z1 A. T) m3 c October 2009 Newfoundland/Labrador ( O6 F7 ?6 t; y8 A 3,500 4 i* g/ ^+ l3 T+ @# Y. ^ 2,400 / Y. w* }3 u* t8 R# W& M 3,100 2,800 ; f. u: L+ H9 q2 x# A6 Q8 M* I 3,400 ' \: V" o+ k6 A8 k7 Z. } 2,900 PEI " Q! {  D( |" A0 f) u# x 1,000 9 C& h9 l. H  D9 P7 C4 F% X5 N 1,000 ! D3 y3 m+ i/ L3 @/ V: e0 J 500 4 T, i: h7 k6 F: L/ I, r# _$ k 700 400 + R2 J& `! ~" g0 N" ^4 C 1,200 Nova Scotia - c$ y& D, C: n; d! f) f' [0 I 3,200 4,200 . H9 f" ~% u/ S' T 4,100 4,500 - [( a0 U1 H9 v1 y, k- v 4,700 1 ^" s4 A1 k; K3 W" b0 q- b 4,000 $ \+ B# V7 Y: J# Q5 T$ d% U( \ New Brunswick ! F+ g* q  @$ ^5 p. J 5,100 2 n! \% A6 {$ n! a% q+ B 3,700 . l5 n3 K1 a( E7 @' G" x* A 2,400 2,900 0 y" l' [/ O5 u8 Y  _8 I) Z" ~ 4,900 3,600 Quebec 48,300 47,300 % O5 M# G- Z& C" m" e 50,700 41,300 ' N* c+ R2 E1 C5 H 48,600 ) ?# B9 {4 d9 P9 N: t# f/ p 37,200 1 l& l5 U& j9 Y+ l% H; S7 q Ontario 5 s& ~% |1 C+ x" E, q 64,800 44,200 # S: `! N! A' y% } 58,000 50,200 44,700 & d: u8 W& x$ e' U& R( k 57,600 Manitoba 7 d3 n% d# l% W# Q- U, N5 i6 Y 6,100 5,000 , l' @9 V  q* A0 @, ~- }; c1 w 4,000 4,400 ; x& D7 {  ?5 _& u' q 3,800   S$ H+ H: @) F 4,200 % ]% k5 k: [3 ~! X) H- G) e Saskatchewan 7,700 ; k2 \; v+ o% l: o 5,100 5,400 3,700 2 J7 {$ [! b% I8 T) E5 H- W+ K 4,700 1 {, Z# t- h4 _  ^/ T7 Y& h- z 3,600 Alberta 23,500 18,400 27,100 & Z+ z( U( A9 Y; e1 c" a 22,600 25,200 1 V8 ~( k2 C- F( y% s- b 25,000 British Columbia 27,800 19,200 $ ]7 D0 P5 D$ N0 Z, J9 v% x- L3 @ 29,700 " L, M( Q4 D2 e  l8 `* C4 ], U 16,200 27,500 3 q$ l: C/ s" T, c$ t; e" V 18,200 CANADA % G+ O+ b  E% A4 B1 i 191,000 150,500 185,000 149,300 167,900 157,400 ! F! I# q; V8 Y8 W 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.   ?1 k6 E. |+ V2 L5 n4 f 7 C! U0 c4 ^4 U - J# w. {6 p: q. c; l9 v8 K9 vAverage MLS® Resale Price for Local Markets * O9 f9 m' M# Y# B8 N" c City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 $165,032 Quebec $219,440 $246,918 Montreal $285,100 $309,638 Ottawa $320,561 $305,872 " x: U7 T, O# U. [, k% U4 ? 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 $343,747 Source: Canadian Real Estate Association 2 D* B6 F$ r( _! M7 JQuarterly Housing Affordability Index 1 I# N: c( ?  r( j. Y Standard Two-Storey Average Price . j& g1 Z% _' |2 [) L RBC Housing Affordability Measure   Y- _; K" l4 \% k Region + @* o2 D2 ]8 ^4 A2 s+ R7 }6 p8 U, \) M Q3 2010 ($) & U3 U$ V% U! T- k/ g) X. ^ Y/Y 2 x/ z. L' O  @! p1 z0 V% ch. + @- o; y+ `; e Qualifying 4 e% F- p' F$ C9 `' S) ~& X9 kIncome ($) Q3 2010 Q3 2010 (%) Q/Q 7 E& n: Q; d: L2 U% {# Q; YPpt. Ch. # t# s! \% ]# R; |& X Y/Y 7 l& E/ ~+ K! k* P* Y  z# ?( QPpt. Ch. Avg. since '85 (%) 0 _% {: l6 x6 h$ m; [. L Canada 370,700 ! e/ k7 O  B6 ]9 X6 p' B& [: t- W4 U 6.3 9 J* \9 i" k* z% ~# K4 y; |& B 83,100 9 l$ `: q1 A+ W& @ 46.3 -2.5 8 a5 K+ p( I" l 0.3 # b& Z9 i  `2 ~- n- |! l 43.3 British Columbia 5 W7 \+ ^4 j, a9 F7 R$ d 624,800 $ V$ C6 z6 @/ Y 8.0 " P9 E7 u- L7 W8 s 124,500 3 o( h' J* A7 [' K$ ?8 R' K8 n 67.5 0 d2 o0 A! T3 v+ D! ^ -3.9 1.4 3 Z. U6 t4 t" N0 T 54.1 6 Z- p5 i- R! e9 E Alberta % A0 J1 |* I" z- L, L 365,600 9 s' K0 i- K: F. K 0.1 81,400 7 e; w& B/ X, ? 35.6 & ]! V( P) s( F3 l -1.8 -2.0 38.6 , e6 ^) j2 f9 h Saskatchewan " w/ a# P/ z: b! O  @4 g) x. c 315,300 5.1 " N8 a( }/ p+ m 74,100 + c0 P& k9 @( V  Z9 F8 s+ y+ l 40.8 & ]; y8 G# h; R& g( }  I$ L -2.2 -1.1 7 k( S9 f0 ?" l+ f1 D" c 38.0 5 Q9 @1 s8 z, l9 `8 ]3 I- j1 V- @ Manitoba , G% @# e- d; v 269,700   [$ t6 J7 R! F- M# B, t+ l 7.8 . |4 P; A& G( n. |% x 65,000 37.1 -2.3 ( }- [1 K! M4 J8 i- E' {- m! I 0.8 37.7 Ontario 388,200 6.2 # i" }2 S4 g9 _5 ^: q/ Y& ~# m 89,800 44.9 # A$ l0 G6 M; e -2.4 0.4   @, U& q! s' f6 `" u8 A 43.7 , z0 t8 W; r& C3 ~& r Quebec 0 G% {$ Q/ O1 k- y2 L1 Q2 N 262,100 7 f% J, E* ^8 t 8.6 ( P8 \2 u! P6 |" I# F' f 61,700 41.7 -1.8 7 ^) h1 K- f8 }" [! | 1.3 / f! [/ M+ Q5 m0 [% C/ T7 q 38.8 " S) K) g/ F, q' A, o9 w) v Atlantic 222,100 5 w6 ^: b! c. \) y+ a 4.3 ' Y' p+ o$ B7 R5 E# V, } 55,900 36.5 -1.4 * d% }' l2 G  y3 F' G 0.1 6 {/ K3 @/ R/ P5 o$ A. f* d% K 38.0 4 Y  R. {  _% o; c5 `5 P* m! A Toronto 8 g1 x- |/ J' ]6 b% c( N 554,700 + e( A! t; ~% Q1 y 5.6 * y( J. _7 r! g! h9 R& |/ v 120,400 56.2 -3.8 4 V8 {. p" D" x 0.1 . c  w* t7 h, }( o# R/ k% m 53.4 0 {: a5 n9 w8 T  w6 P& t Montreal 335,300 $ P0 f7 Y1 D' @8 E9 Q2 D! J! E' h3 @ 8.9 $ E. ?) N9 P: X 75,800 51.3 -1.7 4 F% Q* l( i" V$ z% }$ `8 R 1.7 41.7 9 t5 z4 Y4 W$ e$ n8 k Vancouver 766,300 8.4 149,400 & k" ^: J% q4 C$ g8 ~  v# i8 s/ G$ J 78.1 -4.7 ' h1 |+ S9 }% s% }% g( s! F: s 2.0 62.6 Ottawa # r! v: j/ i. Z+ H% E7 J9 c( [ 350,600 - Y% r$ X0 |$ ~, n3 U0 W3 ~ 4.8 * b  w6 }/ I, U. u 86,600 40.5 % f0 t1 _( \; P -2.5 0.0 39.1 : L+ c3 m$ e1 B" N$ c Calgary 410,500 1 }* f$ F) u6 O. L0 w* R4 f: K* z: v -1.0 5 |+ ^: Y; D( b9 B/ \- G- H1 N9 L 86,700 - v' _+ I( ~) I1 I6 @2 H0 b. L4 F 37.9   T3 t, a3 V  a* |% ] -2.3   g$ E' ^' u0 Y! L& n' H0 W -2.6 40.3 Edmonton " @( s# T7 }, X/ N# J% h 362,500 1.2   s  n5 Z) ?9 w. \5 Y 82,500 , s: X( H  \2 M% ^( ]  @! f" [* i 37.0 -1.9 -1.6 37.0 * G( S, Z' K4 F+ M 8 V& B1 E& s8 S; ~6 [3 p7 P, l Detached Bungalow 7 p! A# _- [3 Z. j: |& E Average Price 7 f0 P, e7 I  m. B / n7 [! L, U  |2 Z1 r, _) x RBC Housing Affordability Measure " e2 }0 k$ M2 O! | Region Q3 2010 ($) 6 E% z$ ^1 S% r: t  ^ Y/Y # k2 y% J. |+ I& s7 d7 x8 [% ch. Qualifying Income ($) + k& [  O, K6 o+ K2 E% _. pQ3 2010 Q3 2010 6 c0 L1 u" R! t4 F5 k& a+ i(%) Q/Q 6 H* x1 }0 H/ i1 g  q1 NPpt. Ch. Y/Y . e8 A# q+ {: I; V" z/ iPpt. Ch. % L6 _, Z: [3 S( }/ W Avg. since '85 (%) Canada 325,300 6.8 72,500 40.4 -2.4 0.3 5 c4 [  p9 {" ^- r3 V# u+ [ 39.0 + D" |- S, }( x4 Q( p British Columbia 0 C' ^! V) N1 ^ 544,700 * P" B; e& Y! z2 a; E9 z1 o# R 8.5 108,800 ( a" T* Y$ v! F2 V8 T 59.0 ) a' r0 `2 @2 m) }! q, \7 \ -5.0 5 i: I! H0 b$ v 1.5 48.9 Alberta 340,500 2.9 74,400 32.5 -1.8 8 H/ @! W1 {/ x5 }2 h1 L -1.2 0 @$ o) X3 F' z' d% ]! m% S 36.1 0 x* N. T. M- E) h Saskatchewan 0 a1 O/ v9 s1 Z+ W% W9 O) j5 b 312,400 6.3 : Q; L- t. ?% m/ o 70,900 ; p! q. P3 \  f 39.0 -1.9 -0.8 ' v- V  z, W' l, f+ O 36.6 Manitoba 251,000 9.2 60,800 ( j/ G  w) r6 o 34.7 -1.4 1.1 36.8 Ontario - t8 w* k1 Y, W, c6 X$ ? 337,400 6.1 77,900 3 A) E9 Q) P; S; v1 R 38.9 / H, E! J4 g" x' q  S -2.2 0.2 + j0 G) `$ ?% s9 m  A, g& [ 40.1 Quebec . l& R; _2 q( r" _# h; ] 221,600 " V& Y7 s2 O% ~ 9.3 * i* O: c$ N% K3 _- k5 A4 S' k( i, D) N 51,700 $ d! y; Q; x( c! {9 I: J! j3 v 35.0 -1.4 1.2 32.9 Atlantic 196,600 2.3 48,200 31.4 & Z9 @# z+ {, ]* P! l -1.0 -0.4 # \% g1 r2 M( j: t. {" E" M" R# |, G 31.6 Toronto * S: t3 l1 l, h% I' F4 l 466,600 3 U2 a; H6 m# O+ g 5.0 $ B# O4 k2 N' Q9 m 101,100 ( R  T5 F9 v: y5 u4 d9 Q 47.2 -3.0 + |& u: K) k- j -0.1 48.2 ) j3 ]* v3 r& |5 x: l Montreal 271,100 11.8 4 m2 t; f$ r: D. u 61,600 41.7 . i. p  [. c, I7 h0 \ -1.3 " n9 [( N# C4 \5 w2 k 2.2 36.9 Vancouver + S8 v0 e+ S4 {) W1 n. U 672,500 7 U& o$ W1 S* \5 o  l! v- @' H* j 9.7 1 Y7 e( l. i% ?2 w) k  } 131,600 68.8 -5.4 9 w4 s. q$ O& R% {, a1 C. [. g 2.4 57.3 Ottawa - N6 u* g6 j7 H$ M2 i 340,800 % [, z. f5 `) O- |# t3 v3 U 3.4 81,800 38.2 -2.9 -0.5 36.6 Calgary 412,700 " ^  g, ^1 i8 W) ^ 2.7 85,00 : N& Z1 ^6 h0 J- W9 H' C 37.1 -2.0 -1.5 # d! H' R; @  I 39.9 Edmonton " k6 w5 T% v1 i: y* d/ s9 e8 A# w 322,900 ! f+ q1 Y$ V" g; |4 T! J 5.4 72,900 32.7 ! A7 r0 [1 ]) a* A! V3 |) x -2.0 -0.5 33.9   r, Q, p3 f' N4 E; ^/ ` 5 N/ u8 h: o  V2 C/ e 3 X) h# y$ ~+ I' rSource: 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. ' u* q8 ^2 E+ ? 3 Q) k$ @' M) s- j1 U

衣食住行

很有用的信息。
3 W/ }( r" c6 c7 S支持！

uil

hycao

今日议息结果如何？

年轻的心

不变

年轻的心

& f  Y& B0 X3 W! }" `
快讯： Federal Government's Mortgage Insurance Changes
: a2 ?, i& I% {# i3 L  @$ R
6 }4 S+ ]3 t3 b; LThis 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:

Amortization period capped at 30 years
Reduction of government backing for home equity lines of credit
' R' D- @6 o* b" y3 T6 n  V7 QMaximum refinancing reduced to 85% from 90% LTV
+ X, ], ]% T+ T: KThere are no changes to down payment requirements as CAAMP recommended.
+ G4 Y% p2 m& ?+ N
% N% B3 g$ R' S, e' E9 ECAAMP will continue to update members on any new developments.
  W' z, U' b. H0 z5 Q( y
+ `: X1 K! K0 [5 e, x: JFor additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

kismet