快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

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Bank of Canada Interest Rate September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada : @4 N1 `& z/ J: c  S' Q 2 Z1 S4 W' q8 wBank Prime Lending Rate ' S# @4 y( @( U) W , z* g( }4 b4 B, ~9 J September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date & Q% F" `# H- M1 i1 z9 w) Z6 ZSource: Bank of Canada Conventional Mortgage - 5 Year Rate* September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 5.44 % # b' ]) b, u. l: S9 y) D( j+ |Source: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate 7 p0 H" N: h/ \, n / r& X( ?/ h* n/ w/ t$ BUS Federal Reserve Board Discount Rate - ?! K- n4 j0 P7 ` 4 B4 y) h: |7 f - R  J9 Q7 A1 B/ E/ m9 d September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date Source: US Federal Reserve ! f1 G% `. t  m$ h; m 1 z5 O: F+ M+ j Exchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 / V/ s4 m. x# O$ ]' NSource: Bank of Canada . T& i' g1 d2 X& i" ~' |  J% v9 S / q+ F' l3 Q+ A! W; L% q 8 g! C! D+ N" O0 q& aGovernment of Canada Bonds , l$ X8 ^8 `  @ Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 3 a% i7 N3 R# x, B 1.21% * v5 B: ~2 F$ d/ L/ e6 n$ V 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 , l" z" s0 J9 HBond Yield 2.89% 2.98% 3.19% # G* s% `! n5 |' u$ tSource: Bank of Canada 6 Q% j' R& ]4 w5 \- w. | : }; j  W2 D% i5 P7 @; N Total New Housing Starts (Seasonally adjusted and annualized) Province August 2010 August " w0 U$ ]! E% K1 Y* G/ {2009 2 S7 Z  {' Y- E4 m5 l September 2010 September . q+ ~3 T; f" Q$ B, G2009 October 2 Z& x. W8 l" D, z2010 October 9 G( d8 ?' s1 D9 @" e. B& l2009 : b! B* R, q" B% @& } Newfoundland/Labrador 8 {) ]" J# \' ~- W! n7 }" q: e6 _6 K 3,500 * ?7 s9 @6 I4 N" N2 @ 2,400 ( w* Y6 a. M* q& L* @- I- K6 u 3,100 2,800 # n- \8 z7 t6 n, M' ~1 e2 ], S 3,400 0 h$ a+ R+ z; ^2 Q; ]  t5 _% z 2,900 6 Z' V- v# u4 D2 U7 t" f* g- x( d PEI 1,000 3 G# ~( v; }- r% F: t6 t4 C! O4 u 1,000 500 ; z% h& ]' y$ q7 a 700 " o9 S0 c- Z5 J3 S, K! Y 400 $ _8 Y8 l4 ]4 _) g7 K, M 1,200 % D- _8 G$ B7 y5 h Nova Scotia 3,200 4,200 4,100 4,500 4,700 4,000 % ^/ E+ s- g1 N New Brunswick + k7 D, d3 e" ? 5,100 ) ]9 S( c2 h2 Q+ A& f9 D- s+ C 3,700 2,400 2,900 : K& ~- G0 T: N" \- b* e7 w: F 4,900 5 ]1 ^( `. C0 o) s/ ~ 3,600 Quebec 48,300 9 k7 ~9 Y; J0 e" ? 47,300 50,700 + n( Z, Y% O9 k" A/ y: S$ m6 e 41,300 ' M& `3 Q( q3 a 48,600 1 O" a6 x$ D& l+ @ 37,200 6 N) M. U0 a( ]2 } Ontario 64,800 4 Q8 d% i) C+ A5 X. k* U 44,200 58,000 50,200 3 {, G6 e3 }% e0 W9 M# b 44,700 7 v. s4 Q2 Z0 n( ?: N; B 57,600 8 m; ?. j: d( \. h8 J+ r Manitoba " W* h/ Y( C- x 6,100 5,000 4,000 % u+ Q2 C' v" e! s, `" e1 {8 C  k: t0 C 4,400 " e. L3 C8 @) R7 z" x" I 3,800 3 y9 C, S5 g. t+ `: z  t( ^% ] 4,200 $ U( ~8 m* c0 R0 i5 a* o Saskatchewan 7,700 5,100 ! k) l4 K+ @2 C2 _) a1 ~5 B8 l 5,400 # y+ V; p. d# k, ^2 Y$ @) D 3,700 4,700 3,600 * Z' S- _/ s8 y. Y' c  Q$ v9 B Alberta 23,500 9 W' I! r" x6 W0 r 18,400 ! Z1 N# }5 i6 @! o6 `3 j+ U 27,100 22,600 25,200 ( @' Y% |0 W) j! i 25,000 British Columbia 27,800 19,200 29,700 16,200 $ I; \9 [/ y/ W6 X 27,500 1 T3 P, s. ^2 h) T* @ 18,200 1 Q. j& |$ k, z  S CANADA 191,000 7 f# _$ r4 v' y; V& _6 f; u 150,500 185,000 149,300 ! l4 s$ ^# z) q& e: `( g' Q7 X 167,900 157,400 ' t# l6 ~$ C, c/ n9 xSource: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year. ) L+ R, p2 x' v! ? 4 w" T9 s7 T- i4 T) V3 ^ 5 {: O+ l% h( r1 ` Average MLS® Resale Price for Local Markets 1 P* {7 y6 T$ y City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 1 l, z$ p8 ]  _9 c $165,032 Quebec $219,440 $246,918 Montreal $285,100 $309,638 Ottawa $320,561 $305,872 6 e8 z% C/ h4 S) |6 E2 P$ j- S 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 $343,747 ' g# l7 I  A- a: R. W1 B( p, F; [$ RSource: Canadian Real Estate Association - t' D% Q1 q( c 5 c9 e. v% E% a1 e+ M' h2 g% N Quarterly Housing Affordability Index Standard Two-Storey : K4 r* _( I6 F7 t) Z" W9 T% t Average Price RBC Housing Affordability Measure Region Q3 2010 $ }1 b1 [! w9 L4 e( @5 ^8 E($) Y/Y % ch. Qualifying Income ($) 8 o: t( q/ D& a+ w- OQ3 2010 3 A1 x* T6 d" k; j Q3 2010 3 H4 R+ {0 w9 G(%) . r; p9 i5 M2 W1 } Q/Q Ppt. Ch. 6 j" G3 w" o9 l& y% a5 v Y/Y   m' a& l. P" }+ GPpt. Ch. Avg. since '85 (%) Canada 370,700 6.3 83,100 ! N+ I5 T5 R: \& ]* y* m( b 46.3 3 x% m) P! n1 Y" F4 t -2.5 # U# ~: U& p; n9 _ 0.3 & l7 t8 F* B- Z# P% _, ? 43.3 British Columbia . v; \  v/ J  z' I9 N9 r 624,800 2 u. H5 @/ T% V) p4 a5 ] 8.0 124,500 67.5 -3.9 1.4 9 B0 U$ L6 S$ a' H7 D! ]: [ 54.1 Alberta 365,600 0.1 ' f7 n' A% P4 o9 g 81,400 35.6 1 v/ |0 r. U  n% \7 w7 Q/ j  I( _4 A -1.8 -2.0 38.6 Saskatchewan 5 \/ M; z1 Z; w+ q. ]  @  W% i 315,300 * E- v1 y- w5 X! c. j& K 5.1 , k; o( k: A: H5 y, t0 d 74,100 ! w, L  F$ |$ V5 V! l% ?: i+ y. [* D 40.8 . L0 n+ N+ ^6 ]& ]" p2 \ -2.2 -1.1 / S: @8 C" U* l5 v 38.0 2 ?9 a; X7 q& |4 ` Manitoba 269,700   k5 u" ~# h  q4 e7 A# n/ b 7.8 . }7 m, N3 @  r, j) Q3 m( p$ p/ i+ G 65,000 37.1 -2.3 + p8 E# `- M5 S' a 0.8 ' z/ P0 l  k* h- Q1 ^4 d3 v' j2 Z* Z 37.7 Ontario 388,200 , s% y4 z8 I, g" d9 x9 n& O  { 6.2 89,800 44.9 ; Z7 ]3 i+ e6 p! [/ E! G/ z -2.4 5 m$ K% E/ x* E. q0 E; [+ h- Y 0.4 43.7 # O6 Y' e+ K5 L2 e- M; I! T' d/ o Quebec ' c, M- Z1 d1 ~' @ 262,100 . G2 X3 ]; K, a4 ^ 8.6 61,700 41.7 : w2 v5 y. z0 i6 Y) Y -1.8 ; ~* S/ R- I7 A4 \& T6 P8 Y 1.3 . J- A0 g8 _2 C7 A- |9 n 38.8 Atlantic 222,100 4.3 . z( [: k% }# I% a& I7 U 55,900 36.5 -1.4 # V0 D- t  m( P8 j- ~) C" q+ s0 V5 x 0.1 38.0 Toronto , l1 q- j- R) e" z 554,700 ' A- C( \+ F) B) M3 w' `( X; V/ v 5.6   x6 t" F( m, _: C) {4 ~/ t 120,400 56.2 ( N8 e+ B( F: X6 p -3.8 0.1 53.4 Montreal 335,300 5 l  k+ V, `( V4 L! ]8 i( ? 8.9 6 e( G' [% E/ W0 I: { 75,800 51.3 -1.7 ! A! A% y1 e+ z5 p" I 1.7 4 [- V$ g4 R# N, B 41.7 Vancouver & o8 G6 F5 f; M1 ~ 766,300 + K* G* k* k% u" J0 s 8.4   w, Y/ Q# A) i 149,400 , H8 X: R; z3 M+ _ 78.1 ' h# R) P4 r& Y5 \; t$ m- { -4.7 2.0 * _7 r7 y# T$ q7 H5 A. Z0 X* m. p 62.6 3 R* g5 Y* i9 ?$ K' N Ottawa % q& e7 @# T/ h7 E: u 350,600 4.8 : {3 O8 p( |, Y 86,600 40.5 , {8 E* K9 j- q/ O" s -2.5 8 L6 r7 G3 g& w$ ?) |1 M 0.0 / j" z- T# d+ U) j  C7 Z/ N 39.1 $ M6 Y! N  T2 l; _& b2 T1 m: X Calgary 410,500 -1.0 86,700 37.9 , Y2 y# I3 D& V4 r0 A" O -2.3 3 x2 C7 G9 ^- n9 a -2.6 ! \$ t; X( t  X, F+ w* {$ v 40.3 ( b5 L! {0 a$ t/ M% R( e3 J Edmonton 362,500 1.2 ' m, }* O, B0 L3 t 82,500 7 t: U. R" R% D9 j( e" J3 i 37.0 -1.9 ; P1 f. r5 [7 Q1 x( ~2 K) x( B -1.6 9 M6 q2 W/ c2 n7 v3 s: V 37.0 7 g0 g$ d4 ?; J# X& ^+ L8 O Detached Bungalow Average Price   q7 c+ d/ K  v8 T+ V1 J 3 B2 p1 S1 ~/ H+ ~, C% U RBC Housing Affordability Measure & y8 [4 R5 V9 D5 ]2 ?# ] Region Q3 2010 : w+ r- Q# t) _" t: k($) Y/Y % ch. 0 v' l! k; s9 {$ W' V Qualifying Income ($) 0 Q( J0 X1 g) S0 XQ3 2010 Q3 2010 (%) Q/Q Ppt. Ch. " J) \3 H& N* [ Y/Y : ~7 d/ h1 i$ d+ e' s: j1 WPpt. Ch. % H! W- Y3 o  M. s Avg. since '85 (%) Canada 325,300 6 ?/ }3 D, q: G8 j" _; o) }* w 6.8 72,500 5 |7 O+ I8 @' N8 U 40.4 ; Z% @6 M1 w$ O -2.4 0.3 39.0 British Columbia ; d/ o6 W2 C4 e0 g8 o# p 544,700 8.5 - C# i/ Y2 Q# Z4 p" `0 _ 108,800 1 k. m, {4 q$ j- A 59.0   T) @+ z  `( B% k5 x! P! S# }( s' d/ ?6 A -5.0 # f, z0 H8 ^1 f 1.5 48.9 ; w0 }' n9 {) R* |6 A" H Alberta # N$ b) {% T3 P% S8 K- ]; a 340,500 2.9 74,400 # R9 T' k. _# F! M. j 32.5 -1.8 -1.2 2 X4 g% j0 s3 c( b 36.1 Saskatchewan . T2 x4 u& `0 \ 312,400   U+ t( W% y+ d$ q) h1 l7 J 6.3 8 M7 V/ Q! s7 d" m' P/ ?( _ 70,900 39.0 4 t9 [: c- N+ a+ E1 G9 h -1.9 -0.8 ; I( m- i" X+ x4 s9 R+ H) r3 z 36.6 + Q( f7 g8 g% \" ~) K Manitoba 251,000 ( k: Z8 L$ |9 Y. K% m 9.2 60,800 34.7 ' C2 q/ o* V1 G7 g. V -1.4 - l  f) L8 h; r* V9 k/ z 1.1 , N% }7 `2 z! m: ~) | 36.8 Ontario 4 G8 u- t4 H7 U* y6 n; S5 j 337,400 6.1 + U0 m, b- l' l( @1 W" o1 c0 O 77,900 # ~; `4 w% i* f/ W4 N- S2 t8 @) M/ ? 38.9 4 l9 q. P6 u; m( N: D, ^ -2.2 / Y* q0 y. `) V' L, _& p 0.2 40.1 + }( M% h) H) [  q0 A Quebec 221,600 9.3 51,700 35.0 , M6 ?( J; d& Y -1.4 , p. u4 d2 B5 t  b7 u, Q8 _ 1.2 * |8 s3 |6 o% f$ R. s* D) t& q9 G 32.9 Atlantic 4 @3 G7 E$ c8 U( E! k 196,600 2.3 6 o' l* o8 `, Q% t6 _ 48,200 " f1 Z' Y" i, E* w9 l 31.4 $ Y, G! @& D  E4 F' D -1.0 ! A* Z& O/ L: T -0.4 31.6 Toronto % ]7 Q4 S# C2 g5 n1 F& x0 z) r 466,600 ) R2 u$ G. V/ {) B 5.0 101,100 / g- {) c" y* c 47.2 -3.0 ! `9 H8 Q3 b, p& P" C0 x( O -0.1 * P! }; t% y0 l6 H6 M 48.2 : r" U7 r1 ~9 t% c0 I/ D5 E Montreal 8 S9 j# r8 U4 E& [/ @) Y 271,100 ) }( K# O: `) W& m/ r; I: n8 d0 | 11.8 61,600 41.7 % e  I1 w1 B2 I9 H, C( O% I -1.3 % X% ~3 ]! w3 k2 v 2.2 - L  Y+ f! [' g* ~/ T* w: p2 L 36.9 8 r& ~. n7 U2 N* L7 _$ F Vancouver , \% m# V. C$ {% Q 672,500 5 Q3 h4 ^( t- N8 t/ V. l. I8 t 9.7 131,600 68.8 9 W9 z3 t- S. H* z -5.4 2.4 3 E- X& N0 Q$ h4 k, c% o 57.3 . Q) `4 Y& `6 @ Ottawa   C6 O9 M. d3 H( {! n# X' p 340,800 & [9 H. f7 z( ^9 V7 O( I; h 3.4 & R# \1 i* u1 c 81,800 38.2 -2.9 8 q3 D9 I8 `. P, S) s5 H -0.5 36.6 9 [1 T4 o, b% M4 }. H Calgary 412,700 ( ]/ R- U9 v* W" T+ N% \& Z 2.7 85,00 37.1 -2.0 - }+ e! v3 Y, Z0 P) g9 ~ -1.5 . {1 _$ v4 \& D2 Z6 _" o% M 39.9 Edmonton 2 w8 t$ q5 `2 g 322,900 5.4 72,900 32.7 6 M& w; o& O2 D' U; S9 O8 W -2.0 ( L6 A$ K5 g+ U& V6 l -0.5 33.9 ) L3 l" w: c- ~2 H: g0 Q/ L ! I- i' _/ w! v0 ^/ p' \ & {' F0 ^' V! Z3 l/ zSource: 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.

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很有用的信息。
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今日议息结果如何？

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.     

These measures include:

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.
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CAAMP will continue to update members on any new developments.

% S0 c% A1 |/ h# e$ sFor additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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