快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

2010年12月

Bank of Canada Interest Rate " q! Q1 o& T. {& t. c   V3 S' a1 c; a9 V/ a September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada . w5 ?$ t. }- d9 {. s 0 ^# d0 F! O# J/ N , X. H8 u/ v- }3 z  SBank Prime Lending Rate 0 @4 z- O* A6 g, v/ Q3 y' U8 F & X0 F& d' ]9 {. u+ F) Y0 x, [3 k 1 `2 ~% N" K6 t9 E$ C; G September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date / [( Y8 R7 ^) `2 ~# I# _Source: Bank of Canada 3 _# j# x% V+ o& K4 W1 l * {/ ]. D. X# G- h4 G * O$ H3 N1 G/ ?: i, n" DConventional Mortgage - 5 Year Rate* ! f: E6 s6 v8 a) c9 p * o' {. l# S* P5 G+ l- b September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 ( e8 m' s7 F1 l- K8 p0 W  m 5.44 % Source: Bank of Canada ) c5 B4 M" ?7 a# i' e*Determinant for high ratio mortgage variable qualifying rate 4 @, L* M1 S2 H2 x $ ~; L6 Q: y3 ~8 b 8 L2 |, [3 H3 R' ~US Federal Reserve Board Discount Rate 0 a0 [& {' [# ~7 D! Q September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date . [$ m* C. O$ C5 u. ASource: US Federal Reserve   w9 D/ F7 F+ I) Q2 H! U ' F# p0 N9 y# G0 s8 }6 z   c) ~- {# N. L2 F! H5 l/ GExchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 " P$ h7 {/ V+ s8 \0 zSource: Bank of Canada ; C' ^0 u8 U" X! v3 h" [ 5 l' n' v6 B1 Z8 D! o% E5 f 7 B1 K" [1 y( E6 F1 i ) k1 s/ h0 s$ J# Y) _$ rGovernment of Canada Bonds " Q2 i# X  B7 E 7 h. p! _0 n" Y% h! S, \, s8 E ! A0 v! Q$ X/ f/ K+ |* g4 @ Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1.21% 1.27% 1.39% 3 year Benchmark Bond Yield 1.59% 1.73% 1.94% 5 year Benchmark 5 X: J3 C6 h( d1 mBond Yield 2.06% 2.20% 2.48% 10 year Benchmark 0 D' H) U" @/ i; H. H3 K8 g& _# |9 n/ VBond Yield 2.89% 2.98% 3.19% Source: Bank of Canada ( W* x( @1 U; J8 J- @1 q# |  b: u0 A  u " E7 j4 G; \) j- R- K+ ~ ) @% n* B( L2 u, S; n7 L 3 ^# H. a8 B0 V- |+ s   X, {0 i7 _7 n) ^% l" g( q . ~8 M* C  v! {Total New Housing Starts (Seasonally adjusted and annualized) 6 S4 a# Z1 N& G4 `/ H Province August 2010 * g8 K* S9 d4 v August . F- j5 p% H0 K' L; A2009 7 m1 [$ ^4 h3 v- k$ O# u September 2010 September   Y3 `" _8 u' Y' L2009 ) d( o( G' E! s/ k2 F) n% ^ October 1 U8 @$ @2 \" e+ I2010 0 v% [" C$ `. z5 T$ ]9 i October " z- Q, W1 L" Z! ?7 E1 S: ]7 }2009 Newfoundland/Labrador 3,500 ' J/ f0 }+ {& v6 s 2,400 . e+ l8 W6 @9 f1 P 3,100 9 M0 u" j4 @" Z( J: }5 r6 y 2,800 % x1 k/ ?3 _1 p* ^( L# A8 l 3,400   a2 q: f/ _1 v$ C& @- R: D 2,900 PEI 1,000 & W* P9 n/ t! }9 s 1,000 500 700 4 X4 m* ~' C. B2 U; B# j) V 400 1,200 Nova Scotia & k9 h4 x; G" y) h  F# [ 3,200 4,200 / Q1 g9 K8 @- V6 e 4,100 7 K" \2 }5 o- F9 C1 z8 S 4,500 4,700 # P' R5 F2 F, Z; x& _9 D 4,000 8 s! o6 b- x) L2 r) U New Brunswick 4 E; o# E, E' u+ p" x& ~0 P 5,100 3 A" L4 G4 B/ z6 g7 Y/ @ 3,700 2,400 & S+ [; E: j* D+ l 2,900 1 f$ Q$ H9 y* u4 q* i 4,900 3,600 0 D1 q' {& [9 y6 O( T7 G Quebec   R7 `) h2 p' c9 G: ~* ^ 48,300 . r  d7 H4 H1 Y) C& W' @! X 47,300 50,700 41,300 48,600 37,200 - P4 W# _% K0 ?% }3 y Ontario 8 }6 o$ ^" {- \0 X! y! L* C 64,800 8 Z. o# N- h! ^$ A( d; ]! Y 44,200 + w# g8 U' Y/ _9 [% f 58,000 50,200 44,700 57,600 Manitoba 6,100 3 w8 v& V9 l! A0 X" q 5,000 3 [, c  d+ b2 E2 o) ?' C 4,000 6 a1 w6 O  J" d; @: y 4,400 1 R, r5 U$ X' U- s 3,800 + O: U" u+ Q  w( s# e7 ? 4,200 Saskatchewan ' L: i& O  ]& R2 h! }$ \9 m 7,700 , z0 D" P4 s7 c3 \4 B: J 5,100 5,400 3,700 # R7 E8 h; g# S+ e( O( b/ W% @$ K 4,700 3,600 5 P3 b7 l. d" `& P# C3 Q( A Alberta 2 [4 ~* C5 E- O' L1 h/ v! p 23,500 18,400 : a1 c* d: |! K7 T8 p* b! K 27,100 22,600 8 y5 y7 e% h1 ] 25,200 25,000 ; E! L+ w8 X  \* \3 \ British Columbia ) h* z8 Z3 u9 F( ` 27,800 19,200 ' z8 W" T' y. l+ i 29,700 16,200 27,500 8 A0 k" a% `0 Y" G6 M 18,200 6 v' p1 R- ?4 s  y7 `0 P CANADA 6 r* s: T0 @( m$ k) K; d$ f, p0 w 191,000 / g' w' K- K1 z  G6 b* @- t 150,500 185,000 # [7 D  h! H: }/ q 149,300 167,900 157,400 + @9 A. O4 L& U- U" t ! z3 b. v! X- @& `6 z2 U5 RSource: 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 R* w' T  P8 `' m ; }6 N8 r. j1 q: d% x. V 4 _3 \2 W) X# Z  P- @* Y / Q8 e8 c- w2 a! PAverage MLS® Resale Price for Local Markets ) q: D: ?3 G! ^, Y9 O0 ?3 `/ u 3 [4 V* c6 K: R 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 1 R9 P' }2 l% u# ]; r 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 $343,747 Source: Canadian Real Estate Association ) f5 x( L1 e4 u4 Z% h% l 6 p: e5 i0 X% \8 H( N& p 1 G. i5 X$ g) lQuarterly Housing Affordability Index Standard Two-Storey : s  H# A* L6 O4 h2 w # U: L4 ~% t2 V' F" O/ ?- m/ i" W Average Price 3 N# O3 C: B# R3 W0 b* p RBC Housing Affordability Measure ' l: T+ u  R7 K: d) ^; m% M( ~$ B Region Q3 2010 ; A) Z8 ^, A! N+ A, V% Y! t, `($) Y/Y , l2 }7 e! k* O' c- S% ch. Qualifying Income ($) Q3 2010 Q3 2010 3 ~! Y5 B) z" y(%) Q/Q Ppt. Ch.   H: J4 ?1 `6 j2 q, Q# B Y/Y ) e0 u: n! ^# l, y, _3 SPpt. Ch. " j: ?- w9 B  M3 O7 [ Avg. since '85 (%) - _( y! V3 S' O& F- O$ B Canada 370,700 6.3 83,100 46.3 ! }3 S+ h# S# t- o0 \. y -2.5 0.3 / `, u1 ~+ C% b# h6 k 43.3 3 [# n6 h8 f( E, L British Columbia - L3 [0 g" Q  O+ E0 \7 N 624,800 8.0 0 x% A0 F  C/ |7 C 124,500 67.5 -3.9 1.4 " r4 ]* M, r5 ]3 n' e6 V5 b 54.1 5 l; K& I( ~" T2 N8 v Alberta 365,600   j; w5 ?1 o4 a3 Y/ Q8 W 0.1 81,400 - i: Z3 R* R- v 35.6 -1.8 : u) }/ Y3 u; A# S6 I6 X7 T -2.0 , `$ l2 u& U: a 38.6 Saskatchewan - L! m" k" ?% `# q/ Z/ L; C5 ^1 D 315,300 5.1 - J' B- O- R( C( n 74,100 + ?+ l& z3 `! f# l# N) H 40.8 % P9 I1 I6 K; o' v( `+ t -2.2 - V3 [9 w7 g% q) o -1.1 ! ]  N+ q: @, Q/ O; w- ~0 \( O 38.0 Manitoba 269,700 7.8 5 V# \8 Q6 ]) v% E, `4 |9 Y 65,000 37.1 -2.3 0.8 6 I. ?% \' }3 ^5 k 37.7 Ontario 388,200 6.2 + i: X' |" K0 h( N) e, u5 s0 q 89,800 44.9 -2.4 7 y( w& ?8 m* y( I/ ? 0.4 , j0 @& R9 H6 ^# C) u+ i 43.7 % h6 @0 H, B8 J1 `* g+ g' w Quebec 9 S8 j3 Q* q" [$ n" k0 @; g! Q 262,100 - b, \- x- X+ G) e) ^8 M. R 8.6 6 [7 l" w6 J8 m 61,700 ( `- K$ ?  A5 a- C$ D0 M; n 41.7 -1.8 1.3 8 @0 R* N) @6 d% t7 A! C- ` 38.8 # `: D: c, y" Q; | Atlantic , g+ w/ o) Q( b4 c7 i, n3 x% D 222,100 4.3 55,900 36.5 -1.4 0.1 ( B2 ^2 W. y6 ]8 E$ A8 [" S 38.0 6 ~/ r% I/ W/ L6 G* G' b Toronto 554,700 ( B% \3 G' p* T8 a& x 5.6 + N  E/ _- s: S6 q 120,400 ! d$ z5 m/ V! t' m! \7 O, a 56.2 -3.8 ! Y& `4 A9 U6 B/ h- S- }$ Q 0.1 53.4 Montreal 4 a8 _0 N+ @4 i& q6 S3 n" M 335,300 , V1 x) U1 T& t3 z) |2 N# L  C 8.9 / L8 r) t+ a6 u% T) A 75,800 51.3 " Y* d. e# c7 Q, E( h -1.7 ( J; d# n* m1 ~/ |2 P) D 1.7 41.7 0 ]" K: y' ~( h0 j1 B: ` Vancouver $ M; k8 l  e- V' |( k3 ? 766,300 3 ?1 o# Y' X% Y# w  |, S 8.4 149,400 % `7 X1 {' P3 a. z# Y- c1 e 78.1 -4.7 7 L+ P# T2 o5 B8 U 2.0 62.6 6 e. O( i' T2 e2 p9 j Ottawa 350,600 4.8 86,600 3 Y  M$ ~; b+ B5 t* c0 d# |3 _ 40.5 / j& h% L7 S& k7 ] -2.5 # G+ L7 o1 }5 S( u( l6 M 0.0 " }2 T* x2 D# p7 ~ 39.1 Calgary 410,500 -1.0 86,700   P& e# V  \, p/ t2 l# p8 H 37.9 " x4 N$ ?9 f% _& U5 r# b  j* I' k -2.3 -2.6 40.3 + J( S; d/ b' F! H( D  E Edmonton 362,500 1.2 82,500 % j7 }! Z# m% ]0 |$ N! k; @ 37.0 -1.9 -1.6 37.0 / d; m& N7 a9 g" H* I Detached Bungalow & ]- v% N9 f5 @, S8 f. x Average Price RBC Housing Affordability Measure : i$ d7 j3 W! O% S3 v( n4 k! H9 G, T0 j Region 3 E9 P1 ~+ Y1 I; n: r/ L+ t Q3 2010 : L; G) |* B3 y* _2 n" s; O6 F($) Y/Y % ch. " u5 |8 T4 @  l  ~  t9 ? Qualifying 0 [+ D2 H& w. `, ], I  ZIncome ($) * M1 \2 x1 Q9 s9 ~$ OQ3 2010 # H! L) T# N7 p8 ?7 p Q3 2010 , r( O& j# ^# A  G. v$ L! t(%) Q/Q + {# a3 |7 {# m! V$ ?# V" C" @Ppt. Ch. / w( N$ Y8 n3 ?$ w5 a Y/Y : P, P2 _/ O1 ?- T& Z1 U% IPpt. Ch. 4 v3 H: O. t3 H! I8 f$ _ Avg. since '85 (%) Canada / Z7 d7 \' v% x- ], H9 H1 b 325,300 / G0 S8 B0 L  |4 f. R: Z: b 6.8 72,500 40.4 -2.4 0.3 39.0 5 l+ w: L6 x+ |% P8 D3 u British Columbia . _0 }5 n# t  x- E- w% H; f( @ 544,700 / t# @; E" i% L4 A& D( h 8.5 8 j/ X3 W7 f' l+ j7 i) C0 W 108,800 59.0 -5.0 1.5 * {2 r2 K9 K8 } 48.9 Alberta ) H" q( ]; z3 g+ n6 O' E7 s 340,500 2.9 4 a2 K5 ?8 I4 Z3 H- w6 U 74,400 $ K8 x" p8 S) h# [; s4 H 32.5 + P$ ~% q4 F3 K" i% v% d -1.8 -1.2 + ~" r" x) `' I9 I 36.1 0 E3 h4 c3 {* ~ Saskatchewan ( K2 u+ z; j" |3 L9 e8 i 312,400 6.3 70,900 # ?& x3 b1 l0 y1 U 39.0 -1.9 7 T: U( A' m1 R1 j# Y/ [ -0.8 36.6 Manitoba 251,000 . \; l7 y1 F* k 9.2 ; ]7 b# M5 n- q5 Q 60,800 4 C9 t( B9 j1 `) Q8 r) |0 p* J 34.7 -1.4 1.1 36.8 Ontario 0 f5 y' ^, M1 `( n7 u+ q 337,400 6.1 77,900 5 j! |# m1 ]+ K+ o! ?/ J) x* P 38.9 * ]! I2 J1 t6 K2 L7 J" \ -2.2 0.2 40.1 Quebec   D$ r1 x% H& B# m" J( J/ H 221,600 9.3 51,700 " \* X: K# ]# v" Q0 w 35.0 - b) y5 e9 @# e -1.4 1.2 / s$ i" o: b7 I 32.9 Atlantic . c' q3 ]& P) i 196,600 2.3 48,200 6 B' w8 ~/ @+ B* `1 s* K9 y! ? 31.4 7 F: [3 O8 N% [4 @# H- G -1.0 # N4 Z  g$ q) Y3 E5 H; r -0.4 , y( R& h: E4 G. z0 P2 {- Q; T 31.6 Toronto 466,600 0 D& I9 L) K: x% N 5.0 . p) k% e0 ?, F% u& n$ L 101,100 7 {/ N( k* i+ k/ B: P% o, t 47.2 / z6 ^: Y$ X# X8 U% x) A -3.0 -0.1 9 O$ g+ U2 c) ?4 r 48.2 ) @, D$ Y# ^; i Montreal 1 L1 K8 d: U1 i  B 271,100 . a* y: J6 W& {4 k6 a: ^/ [6 H 11.8 61,600 $ G- b! z  c9 G$ M% y( N 41.7 4 Q3 P' Y6 d! p: S -1.3 7 ^( i  W* U- |5 a  Q) o) t* V 2.2 36.9 / f  m  ^* h& G  U2 b% y/ u# a Vancouver - f) w0 k# L# a' F( j1 L9 Y3 C/ b* G 672,500 , n5 Q$ Z  i/ o. R8 Q: \ 9.7 131,600 68.8 8 M* L5 L1 o, j& P; ^ -5.4 # W3 ?: ^0 h  `1 O7 C( z+ P( z1 n 2.4 9 L- K3 f- r' }7 S 57.3 : @! k7 j) c0 W* {& t9 F9 k Ottawa 340,800 * X5 w% x% h: R/ k$ P6 } 3.4 81,800 5 i& J% Z7 K# M; O. | 38.2 -2.9 , Z% K7 c3 x0 R7 ^0 y' M -0.5 * f, K% I0 b! }, G; w4 x 36.6 1 @% n1 a: z5 q$ d" z8 n Calgary ' y! {% r7 N+ T8 r8 K" _+ x4 E 412,700 ' w  ]  i. J6 P* Y* r 2.7 85,00 4 ?0 y/ q1 p/ Z2 H 37.1 * z8 j4 `- C- {3 M5 A. e4 Y) ^& {+ s4 ` -2.0 -1.5 ! P0 q/ J2 w. `$ K$ _  x1 t 39.9 Edmonton 322,900 & W. r+ w) I4 T1 J 5.4 72,900 $ u+ ^9 K, D) C, N6 a& l5 \4 v 32.7 -2.0 -0.5 6 U  D9 @9 e. x9 l+ s 33.9   Z7 U7 G( M/ b' p. C 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.

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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

5 ~; J+ ~6 a- ~: d% k) p% K" ^快讯： Federal Government's Mortgage Insurance Changes

. x" f' B0 w3 i7 U. ]This morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     
  m( n4 Y6 u4 j" t7 K
These measures include:

9 Z4 Y. D% D; A& f( b9 M2 J% \  sAmortization period capped at 30 years
Reduction of government backing for home equity lines of credit
Maximum refinancing reduced to 85% from 90% LTV
6 M# O( q- L0 i( e) i. yThere are no changes to down payment requirements as CAAMP recommended.

$ t; ?7 D" `% K5 t, S* k. aCAAMP will continue to update members on any new developments.

# V2 N3 j$ \9 {0 D1 ~For additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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