快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

: e5 T: j7 o" p7 ]+ I& {0 @# w3 m2010年12月

Bank of Canada Interest Rate 3 S( r  u! e: v4 g5 Q: C" f September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada $ y2 h1 K1 Q) I8 z9 ~ $ c; n- S9 R3 V" |Bank Prime Lending Rate 1 Z. R% ^5 F" i3 M  \7 @ ! e6 e" D& z/ N$ G1 k% \ September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada 3 A( _/ `1 Z7 K) D- g2 N # t% }9 v1 ^0 F" y: V0 { 6 l9 Y- L* D$ r! gConventional Mortgage - 5 Year Rate* 5 |0 [' [6 s  Q. f! y 9 A% b- Z' r6 T+ u! ?0 b2 z& S September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 ! D, o+ a5 |! c" s8 ? 5.44 % 8 }: t3 H9 ?9 FSource: Bank of Canada , i7 x/ o# {% e! _& a5 [*Determinant for high ratio mortgage variable qualifying rate : x1 v$ d9 o  u0 U : Q8 V( S. h6 _  ]( o 1 P" s+ N) h# U4 \  Q) m9 ~6 ? US Federal Reserve Board Discount Rate 1 h! T5 ^' K% Z6 S1 i. v September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date Source: US Federal Reserve 4 f7 h# w, ^; W: _: F, `3 `9 z# u6 U 5 s# X; l' Y1 R9 U Exchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 " k! s( N8 Z4 s) Z( I! ?Source: Bank of Canada # @. D  W4 E4 L4 Q) N7 d ! @) c4 U$ g, {* d8 F" X. i6 B % j$ j. ?1 a  v3 k4 jGovernment of Canada Bonds # h. F6 K. M& p 8 l: }' c8 x: p/ Q8 q2 d4 A* j8 ]& y4 H   B4 h; m  M1 M6 _ Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1 p; O, L# f* b) Z8 } 1.21%   \+ t0 d* j* w1 G9 H 1.27% 1.39% 3 year Benchmark 1 [' m8 [# W1 P2 U- uBond 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 : W; |# D/ R* |8 F 0 C; n  T/ P2 K4 [* r ) x2 K4 m& m. \1 _2 w! H/ O 9 |8 f) y% Q2 q" h# C" q  V2 E- sTotal New Housing Starts (Seasonally adjusted and annualized) Province , `" e5 S; r; t6 w" X% p& I August ! T5 @5 [% a; Y8 H5 r2010 August 2009 September 2010 / Z; R! T' D# V( A% n) L# _2 u September ( ~3 `, _8 M' {2 U! l9 v1 c3 C8 T2009 # q& o' t, H/ j October : A( R1 r* p: K& E  h$ {4 Q% S2010 0 ]% N& _0 _% w+ {, F' n, I! o+ k October 2009 Newfoundland/Labrador , U# Q2 p, q3 |1 n  j 3,500 # w) J- V6 `! f 2,400 . r4 g$ O% @# H6 e/ L3 E 3,100 $ ^# V4 f2 A" x% E% Z 2,800 3,400 2,900 PEI 4 W0 \, a- c4 r6 Z) E. B, w" j 1,000 9 A& m, ~( K; I& e 1,000 500 700 400 1,200 % s8 t2 e- }- Z. r; D8 I& g Nova Scotia 3,200 4,200 4,100 ; |0 q5 t+ B1 z0 f' M 4,500 4,700 4,000 New Brunswick 5,100 2 D# J% f0 {+ @$ Z$ M6 k 3,700 6 I" f4 l' d  c1 u 2,400 . E4 B5 A5 }/ P8 \( ^ 2,900   n7 N# t! E) Z3 M 4,900 % L- s1 u/ G4 p) Q! d5 W1 Q 3,600 Quebec 48,300 47,300 / u( H! z- b. a 50,700 & j( Z- P" a, \: _' [& q  Y 41,300 48,600 1 A  ^+ O( t( ^ 37,200 3 v  l( J9 w  g. g" |( {  H- f Ontario 64,800 44,200 , L& g8 u. q! o8 Z; w4 g 58,000 # x( D8 g: B* x( C+ U( @ 50,200 & U' M4 e0 x  t/ q5 }4 W. j 44,700 57,600 ! {. @2 |3 H! Y2 y5 Y Manitoba 3 V1 k. N  E$ i1 M, z( f 6,100 5,000 4,000 4,400 3,800 4,200 Saskatchewan 7,700 ! N& i7 s/ T6 T# x 5,100 5,400 3,700 $ t5 U: X3 p! W9 B; R5 f( M) H 4,700 3,600 & D7 C7 a$ k& C2 B* x Alberta 23,500 18,400 8 Z: {' h3 Z, B9 z! L$ {* A 27,100 22,600 ( v. n, L3 ]- T 25,200 25,000 British Columbia 5 \) C: m/ k& z 27,800 4 G) E6 O3 E& j! G' ]0 L 19,200 29,700 ' a- H8 H1 f' U# b* S 16,200 8 e) b8 m; K7 [2 t( ^: K- c 27,500 2 _. H+ q/ h# L8 i' S0 k" {. N/ z 18,200 0 P# |  b3 H, z CANADA ' j7 N: @. O3 H/ V" H+ _: H$ D 191,000 7 q2 T+ M) U8 {1 r/ `' H: { 150,500 185,000 149,300 9 G4 X: h8 ?' g& Q: e( p 167,900 157,400 7 z/ U: k1 i: w) _, c, |  K, pSource: 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 X1 t4 F, }8 |# ]1 y' J7 Y% s * t" B0 Z3 M3 l3 r$ k Average MLS® Resale Price for Local Markets % t& I% P# k% y+ z 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 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 $343,747 . m6 n; ~: s5 e3 s! rSource: Canadian Real Estate Association ; Q& [2 `' f4 O; e 1 L' c& S; W' k5 l  D8 b$ ~ Quarterly Housing Affordability Index Standard Two-Storey / ~0 y/ S5 ]. |0 h# m- ? Average Price RBC Housing Affordability Measure 9 ^% T% X2 L! |( D0 J" T+ B. { Region 4 y7 A. `- R/ T1 _& h( n! ] Q3 2010 ($) 4 B$ f+ _5 G- @/ k Y/Y % ch. Qualifying ! j0 j6 x7 p# ^* H/ X6 z6 T' f' TIncome ($) Q3 2010 # q# v7 g) T; ?9 }3 a: [: ] Q3 2010 (%) , y/ o/ \8 Q. C Q/Q ! d8 K' }% N4 D& v2 ~+ ~Ppt. Ch. Y/Y Ppt. Ch. Avg. since '85 (%)   o4 K" `0 H% l; n/ A6 }2 ? Canada 370,700 6.3 83,100 46.3 -2.5 0.3 43.3 # f! P% c' T) y2 ?& o7 `6 ? British Columbia ' n; G  Q2 q6 A' k 624,800 8.0 $ E( P8 J* r; I6 h: k% p8 r 124,500 67.5 " l# F! P* a- f+ K -3.9 . c5 {. r* ^5 G/ X% ` 1.4 54.1 - w9 }& f( p" g  ?# @ Alberta 365,600 ) r- h3 A# c( R3 a& _- k 0.1 : d! z/ E9 v3 W6 C4 ?2 l 81,400 35.6 2 d! m' p, N7 Y# [2 C5 X6 ?5 w -1.8 -2.0 * j9 K* H7 p* J; g: I% F 38.6 Saskatchewan 315,300 5.1 # `5 o' e0 E/ E/ C, Q 74,100 40.8 -2.2 -1.1 ( r( [2 g: w: J0 Z# ^# H 38.0 : j4 G" D  g! Z) N+ x1 T Manitoba 269,700 7.8 $ d- u( T; j; V% [% U  e% j0 k 65,000 37.1 8 M: m( F! h! V -2.3 ! V; k: u( k6 q: q0 C 0.8 37.7 , @4 u& J0 W  U' d0 n2 V Ontario 388,200 6.2 89,800 7 |+ O, x* b" J 44.9 9 U- w& ^/ X4 K2 |7 t7 g8 E- J5 k8 _: y -2.4 0.4 ( a# b; N& }5 ^5 F" z 43.7 Quebec 262,100 8.6 3 h3 ]* x- v! F 61,700 41.7 + F, S! e: J+ z9 l8 l, E -1.8 + M- S) W% b, p# O 1.3 $ w" q5 w$ d( ]# Z+ q& @ 38.8 7 k: a. G( ~' ?+ Q) x9 _' V6 F7 f Atlantic 222,100 " a# A' l5 i- Z/ C 4.3 & A- y$ t' ?% }- v6 ] 55,900 - Z* G! Y, W" k; I 36.5 -1.4 " D0 b0 W; L( |! j8 x2 F: D 0.1 38.0 + Z. T  k) e+ I+ Z4 `6 \+ Y$ ` Toronto 554,700 5.6 120,400 - [: S) z5 t7 E: o& t 56.2 ! N" }2 e- ?( O# y. R% ~+ T! G3 x# I" M -3.8 . @" t5 k4 |0 l# _) S 0.1 53.4 Montreal 335,300 9 Q/ m6 A; x& Z( w9 n 8.9 75,800 ; n/ Q4 |- t* `9 P3 Y 51.3 3 e8 `* d) N! G  |+ c8 q -1.7 0 T1 {0 k& o4 c# F: V9 m 1.7 ; E2 ~9 R9 V9 I" R# s 41.7 Vancouver 766,300 8.4 / G/ c1 }& C5 Y8 G; s6 z 149,400 . l: M" H% O# w" c$ U* X 78.1 -4.7 & @, I$ `+ |' ?. g0 } 2.0 0 X  h/ B7 O& O# R# | 62.6 Ottawa 350,600 4.8 86,600 40.5 8 l. g# o! a% N; }1 [ -2.5 / @0 R3 U  N, b# U 0.0 39.1 / z5 f. d, O' c+ A& Q Calgary 410,500 6 B7 C; ?: {: R* B" G -1.0 86,700 37.9 -2.3 -2.6 7 H- h0 ^2 r& n1 J* E+ L 40.3 2 r' d. Y, `, h# R, Y+ G) o Edmonton 362,500 2 I- s8 ^2 I, ?! P7 R4 p/ {6 L 1.2 7 U1 \, `% S% g9 w 82,500 % I, M1 N/ t) X+ Z( E 37.0 -1.9 -1.6 : S0 l* a( _; X 37.0 / b& m- h; w4 e" }; K9 D* `3 v Detached Bungalow & b8 N) z# q. s- i# n: K! }6 j Average Price + }* c9 C; b) Z( [ RBC Housing Affordability Measure Region Q3 2010 9 H- w6 L3 p8 I3 E($) Y/Y % ch. Qualifying Income ($) Q3 2010 : B' {3 O$ D9 S7 r. `$ r& u5 B Q3 2010 (%) Q/Q 5 A5 I3 w) d# {: B, d9 WPpt. Ch. Y/Y : k% D. {+ t; O0 Y" J+ ~5 yPpt. Ch. Avg. since , h3 j% l4 ]: K'85 (%) Canada + L# N0 R& M! U, H8 n6 x 325,300 7 q8 ]- Y7 I- s% ^& I5 J. J 6.8 72,500 40.4 7 K# y9 V# O; F5 z" `) ]% |  u -2.4 0.3 , {9 X) q; }' D  L- k7 r, [$ d 39.0 British Columbia 544,700 - ~! P6 Z7 c+ H3 ]5 b! G" U4 m 8.5 108,800 ; G* h2 i" ?9 `4 L7 w6 e& y; L& @ 59.0 -5.0 - l1 X7 q6 l; \) b 1.5 48.9 % H: t$ D( ]+ ~3 a0 [9 \/ f Alberta 9 q" N6 [1 h# ?+ e3 N1 | 340,500 / d* H6 ^! x6 Q( ]/ A  \3 z( i& S* W: j 2.9 74,400 32.5 -1.8 -1.2 36.1 Saskatchewan   x% v% L! Q+ i 312,400 6.3 , r( ~. s. Z2 p7 Z: u( v 70,900 ; C0 W: m/ x2 {4 O 39.0 -1.9 -0.8 36.6 3 `- v2 v8 e9 A$ `! K5 N( _4 b+ H Manitoba 251,000 9.2 6 m! F  _* d5 j8 C- p 60,800 34.7 -1.4 - c8 z/ [. c) d/ w- M( D, d 1.1 8 \7 b% F5 U) h" n0 U5 t: H 36.8 Ontario 337,400 6.1 77,900 % R9 K/ w( p: i0 s% T' ?' X 38.9 5 ~% m7 v, U1 a4 T% k  _: H* D -2.2 . _: X: L2 ~$ a, J! ~5 f 0.2 40.1 5 A5 y. K9 t3 \8 o Quebec 221,600 9.3 6 k9 D. K# X0 m5 L 51,700 & N  e- ~. K5 \ 35.0 -1.4 6 U1 e, P# h1 \9 h. |, W) a7 E 1.2 32.9 $ d% A- Y, b; m8 |7 ~1 y9 P. ~ Atlantic $ N  q" g1 y8 T6 K$ U' z& d 196,600 2.3 / t9 l5 C: X4 d8 N' `: _ 48,200 / y& _' |5 v; @- m 31.4 # `( ?! ?5 c5 I4 l% @, F -1.0 3 A+ Q2 [: B4 i- |: S5 @# O -0.4 31.6 0 r7 r. d+ a+ K3 }6 x  P Toronto 3 T$ I) A! G0 q  h3 F 466,600 5.0 101,100 47.2 -3.0 -0.1 . I1 J1 X6 m' z 48.2 3 k" x2 P% i/ w- x" d& I Montreal 271,100 11.8 : |! t4 ~7 \" W  ?: Y' g 61,600 41.7 -1.3 5 _% x  I% O, R 2.2 " a" }) \, f1 h: \$ S 36.9 7 _- o2 I7 O6 @, b5 c. | Vancouver 7 b9 E2 E" U) P9 h* j8 M  [ 672,500 + X1 x, ^) v# d8 S% a0 j 9.7 131,600 68.8 - o5 A! q+ l: y3 K# } -5.4 2.4 : ?# C* h0 A) u! o; o 57.3 Ottawa ) Y3 H% z! ?' h# W7 G, ` 340,800 3.4 81,800 , w$ `# X# b0 u: U7 e& @2 A 38.2 -2.9 0 y" f/ y) n" v$ i -0.5 36.6 ' g9 G5 F) [& V Calgary 412,700 2.7 . o- ~' P0 o0 S5 X4 v; J4 { 85,00 ( B. Z/ S8 ~* z8 c( t 37.1 , V. g) d0 h6 ?" k -2.0 & }( r: D0 g+ d2 D" j3 @ -1.5 39.9 6 H0 d/ h* ?. B& z1 Y7 h Edmonton ( y: {9 \' N9 U 322,900 5.4 72,900 32.7 -2.0   s5 [. A. k9 A -0.5 . Z7 b$ ^/ k& w, U 33.9 % I, t. X; m! U# Y/ _ 5 B* R* l) z( _7 S Source: 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. 2 U8 f# n, p) `6 t3 c & @  n& g8 h; n- Y5 s

衣食住行

很有用的信息。
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今日议息结果如何？

年轻的心

不变

年轻的心

% {: F- g3 z1 i快讯： Federal Government's Mortgage Insurance Changes

7 n4 e; G* r2 fThis 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
$ g+ X) {. d+ }( a7 V4 B) l, v. {# AMaximum refinancing reduced to 85% from 90% LTV
; s. B* F; `: \There are no changes to down payment requirements as CAAMP recommended.
& d; e0 N- H; d# D1 M: Q% d
; q8 O, k7 z" d2 h, S- ACAAMP will continue to update members on any new developments.
/ `+ v: w. @+ ]/ C" {4 d
7 w; q. F* R  r1 W# l$ uFor additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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