快讯：Rate/Bonds/NewHouseStarts/...

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# X. `1 D) W: R5 K. k9 u0 [2010年12月

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 3 x' G# ]6 a3 M9 k5 |0 a% ~ Bank Prime Lending Rate   h, d3 v1 Z+ e5 c* Z5 ?9 b+ Y5 `   [; m2 V. B6 C3 f3 ]  Q4 \ September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada   F- A" a+ c0 w4 Y & w7 P) Z$ T- K1 u3 P/ [ , }5 n* g; Y3 o) p% x/ T. MConventional Mortgage - 5 Year Rate* $ a) j0 r% u! s) f1 N # H/ d9 j2 i' ]; `$ G$ w' ?0 ^ September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 5.44 % 8 m' N4 G* V0 b/ YSource: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate ) u; X7 `+ T7 b0 R 5 I! s, q) s- G3 i0 E) WUS Federal Reserve Board Discount Rate 3 ^8 j7 ]1 S& v( q September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date Source: US Federal Reserve , a  {6 T0 G& d Exchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 + {8 w) R/ s7 R8 ~Source: Bank of Canada 8 U- ]# Q; b# V- i ' q7 q& Y" Y4 m, ~* c3 a4 _) M Government of Canada Bonds Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1.21% 1.27% 1.39% 3 year Benchmark 6 ?* V8 _  Y. r7 U- ^Bond Yield 1.59% 1.73% 1.94% 5 year Benchmark . Z' p# t: \4 v% _9 p* J  x# n, cBond Yield 2.06% 2.20% 2.48% 10 year Benchmark Bond Yield 2.89% 2.98% 3.19% Source: Bank of Canada & X$ H  ?+ t$ ~. ^$ Z) y / T* n5 Y/ o9 @1 l+ e 2 \9 b6 v' s+ k$ W9 s% ]8 ]3 Z# O Total New Housing Starts (Seasonally adjusted and annualized) Province * P. |8 O6 X0 _0 v August   C* v$ G/ G1 m. ^$ l, P; h0 s2010 August 9 r+ e1 g& X1 s* q5 J1 A5 t3 N2009 September * C: L3 E5 y) J/ A7 W2010 September 2009 October . p9 n) G4 v0 u" E3 L* u' M# U2010 October 2009 . Y- K0 A3 u7 o9 i/ T, m Newfoundland/Labrador + ?" v! a7 c# @0 y5 G, h$ I6 A 3,500 ! H/ V( z$ I( B  C  | 2,400 3,100 2,800 4 @2 q* P1 g$ w& q0 k; }( K. F 3,400 2,900 , B' g4 X2 k4 s, N0 ] PEI 1,000 1,000 * r+ X/ [) t; t/ u2 }: V 500 8 |* p. t! D3 ?5 P% _! h 700 400 1,200 " U2 l5 ~* h6 E8 Y Nova Scotia 3,200 4,200 # T1 N0 F% P. A! C 4,100 ! W$ b4 w. ~7 _+ U1 B; \9 b 4,500 4,700 0 P6 K# e6 @/ t& N: d3 E 4,000 New Brunswick 5,100 / V7 p2 g5 U1 P7 ^: ^. M; I 3,700 / ~/ W* t: w" u 2,400 2,900 4,900 3,600 Quebec ( s7 s  I+ ~8 ]2 U1 m/ _0 L2 _ 48,300 47,300 50,700 41,300 48,600 / u& ~' W! F9 I0 ?( D, J 37,200 9 {  ]. L" r+ l# y" G( S: ]4 u Ontario 64,800 9 u9 w) w- k; F! @" P+ _1 b4 ^ 44,200 8 ^4 Z# d6 w, S% y3 x 58,000 50,200 ( ^( |7 x8 X/ F' d 44,700 . @+ l4 a& f" m1 d0 a 57,600 Manitoba 6,100 5,000 4,000 4,400 6 M1 X; w4 C8 V4 ^ 3,800 4,200 : Z; b  j: H( e  p6 G! X+ O Saskatchewan 7,700 5,100 . O4 X7 N) l* Y' v$ ~. N 5,400 3,700 8 T, p* F4 \/ g$ i 4,700 3,600 Alberta / r) s8 H0 s( ^) h9 W 23,500 # t! Y6 N* J/ s7 {7 F- u 18,400 27,100 22,600 25,200 ! x) {& v0 S* Q( u 25,000 " Y* a, S$ M  J' \, @0 } British Columbia 4 H7 m# t" E% l: d2 d 27,800   v1 u* `- a+ Q: u! X8 b 19,200 29,700 16,200 - e1 @) T7 M9 l 27,500 . U9 D% f1 n1 k: E* L0 P 18,200 * o7 C4 U5 W  j6 K- c' d CANADA 191,000 150,500 185,000 149,300 8 d# Q2 o/ A' K; S& D+ p5 e8 h: O 167,900 157,400 ; E# P% U( w, g$ \; ?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. 9 O* V1 R4 v! E$ d 4 |) W! i/ L: J4 h# p 5 i9 [, C" u/ \/ ]* N, w1 A Average MLS® Resale Price for Local Markets ' e0 ]( Y9 h* g6 ~' V, w% H5 r 2 D% v& N& f- J' T 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 4 k7 D- [; \+ j. `+ O, I8 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 $343,747 Source: Canadian Real Estate Association 5 m: r$ T2 C  M Quarterly Housing Affordability Index ; ]1 T9 J! N0 ~: t# } Standard Two-Storey * ]3 _3 b. {- a7 g6 `# M Average Price 9 d1 g6 u* T. X5 ~. A: d3 W2 o$ F5 D RBC Housing Affordability Measure : o7 u8 w; s( z# C3 I Region * m, m* n+ q! P& p+ @  W Q3 2010 ($) Y/Y % ch. Qualifying Income ($) Q3 2010 8 j4 `0 r# Z3 N; `* ~ Q3 2010 7 X* G) F; S2 X: [0 d2 Y* |(%) . c9 }5 x! D7 u; y! l3 A Q/Q Ppt. Ch. # j$ a' o3 z. F4 J! L  r' T- i& ] Y/Y : z: z7 V* h" ~( qPpt. Ch. 6 r' T! K/ c. @& U3 s Avg. since : P$ p- L0 V6 y1 ?# k$ |'85 (%) Canada 370,700 , B9 |: l# I8 r* V 6.3 # y- A' A5 k! ~1 a/ x 83,100 46.3 5 i, i$ b4 s# [ -2.5 0.3 & G1 x! X* ]+ J8 a 43.3 3 G- T9 b# a5 N/ H( z British Columbia + p/ Z0 x- v7 F3 b  h- } 624,800 8.0 124,500 / u+ }' J# P! @( ^ 67.5 -3.9 1.4 54.1 Alberta 365,600 0.1 4 C7 Z* h3 ]2 B* Y7 k: D 81,400 35.6 -1.8 -2.0 38.6 * W- z& A6 [0 x5 \1 C Saskatchewan 315,300 5.1 : A" a* f. `6 f4 k  } 74,100 40.8 % y! ~- ]% N' S -2.2 -1.1 38.0 ; E, D6 X) k  n% _# [ Manitoba , u( c6 @- f. C5 }+ b6 V  p 269,700 9 E0 t: b, ?' h 7.8 65,000 % z4 j3 ~% V0 z: r+ n 37.1 -2.3 0.8 6 G1 j& O& _4 |+ {  y 37.7 # w; Y0 y. ~: b3 l7 l! H  r: ]) v Ontario 388,200 6.2 89,800 44.9 1 W. Q* l8 o/ [" d -2.4 0.4 43.7 & q' y6 [9 a$ b; s: j' \ Quebec 262,100 8.6 ) e$ Q7 d) Q# ]( G 61,700 41.7 -1.8 1.3 38.8 Atlantic 7 I  H" I9 X# j9 x' G3 ? 222,100 4.3 55,900 1 n/ |+ O7 a$ j7 e( l 36.5 ( w$ {/ S$ G/ q6 `1 w! ^ -1.4 7 m5 T3 s9 T& s# }3 f 0.1 38.0 % o7 R! v: z7 W1 l8 b Toronto ) t' y, d. j, d9 e( f" C2 f 554,700 5.6 & Q! B% Y8 t; P4 U# P% q7 I 120,400 56.2 6 r7 x/ A$ `6 K# n. L% t: A -3.8 8 X) y9 X6 a' t" P" { 0.1 53.4 Montreal 8 X% W+ D' j/ E' W 335,300 8.9 75,800 51.3 6 l/ e" i" e  d. p9 X -1.7 0 r' }8 g# L4 Q/ `) o 1.7 41.7 - ~( y: H. M/ R' ?+ y Vancouver 5 K* \, I+ U8 H! V' `, h2 `9 e" J* w 766,300 ( K" q* M% L' v$ }" r- t3 J3 N) Z 8.4 7 v' O; d! H( T 149,400 ) W5 d3 P! T9 u8 U5 f 78.1 -4.7 2 E9 W& b: M  Y: t5 u+ w! ^8 c 2.0 ; X% Y, D& i/ m' | 62.6 / R% j! t2 U6 h$ t Ottawa 350,600 4.8 86,600 40.5 $ l0 A% q2 W/ M% | -2.5 0.0 39.1 3 V8 M. H& n) @! b  {- l Calgary ) \; Y9 Z4 [& H! E' p  c/ p 410,500 . k0 t' j9 `! Z& s2 K -1.0 86,700 37.9 # l1 c! [5 t  j, _0 N; I -2.3 -2.6 40.3 Edmonton   z! O; a) W  p1 k 362,500 1.2 . S% ?3 f2 @! ^& v, F; ^ 82,500 5 ~: {! a  V- K: d 37.0 ( c* h. _1 L% T7 h -1.9 4 B# y; p1 S5 T: }: V -1.6 37.0 0 |* C! F% b. d# s6 X Detached Bungalow 1 k8 R2 q( u4 [# ?  i9 a9 | Average Price 9 A6 I  I5 h3 C! W: ?& ^ % g7 `# D3 C6 H! B+ J' U RBC Housing Affordability Measure Region ! s& Q% @) X# T( F$ _" `& \+ m Q3 2010 ($) & a9 x& ~$ }! D- _ Y/Y ' `, D  s0 E, f" O* B% ch. / X# g- }) ~, L3 L. i& I Qualifying 8 F0 X, T0 [/ w( [2 mIncome ($) Q3 2010 8 T. f5 p8 g& g- G  Q; B1 X Q3 2010 (%) * t6 M: O' K5 O% r: Q' H Q/Q 3 h- x2 }4 d% {/ m, ]! XPpt. Ch. + w& L& a( K9 k4 R. i Y/Y Ppt. Ch. 1 b! H( i3 {( o, z* _8 R2 }6 M Avg. since '85 (%) ) G+ p* w+ @- ]* i% a1 \+ g( D Canada 9 p* A( Y# L8 ~0 L  u8 [6 l 325,300   |4 p& I( X* s8 J: V: n 6.8 72,500 40.4 -2.4 0.3 5 t  E! @, h! w* g, U: ] 39.0 . K! z+ J  d! w0 e% Q* c8 ~& ? British Columbia 544,700 8.5 9 x  h" l2 `7 Z, } 108,800 5 Y9 a/ K( j3 W3 R2 e! a7 ^0 w 59.0 . K0 i7 g3 R& M4 G2 X -5.0 / A' ?* V0 E5 v( _. Z 1.5 48.9 Alberta 3 b+ A& U* e) |3 [: D 340,500 - {% \7 i' D0 e2 M3 |6 A 2.9 3 }9 e6 j9 I% ?  l 74,400 32.5 -1.8 0 j: M, l6 Q* C! P. w- s& _5 { -1.2 + `$ {$ o8 E1 Q6 l8 _ 36.1 ; v1 f$ x  k8 _5 H: A0 T Saskatchewan $ k+ H0 c# q; j$ U( b& c4 } 312,400 8 @7 _7 `8 u' Y6 l9 i& z/ [# j 6.3 70,900 39.0 -1.9 0 \) t5 l# O& B" B2 y) i) E; r -0.8 * S. R  W8 f$ \( F/ B9 k 36.6 Manitoba 251,000 9.2 60,800 34.7 / \" c' a  W' K -1.4 1.1 36.8 Ontario , Y9 j  A- K, A) V' E/ K 337,400 9 l9 S  v) @; E3 O1 h/ V 6.1 9 |! Q- }& p" M2 k 77,900 38.9 -2.2 5 u+ g% }0 e; L9 f$ M$ V) S 0.2 40.1 1 P) r5 o0 h1 {9 r Quebec ( L7 i5 ?! e: M% M! q7 j) ?! M2 h 221,600 9.3 51,700 35.0 1 C2 w: h+ u  y$ j" u6 |' T -1.4 1.2 4 }$ x- j( T: e: A3 T 32.9 Atlantic : P; C) ~8 B9 j- e2 t: V 196,600 : J0 ^9 ^8 l  K  D; p$ B* q$ s 2.3 ! O0 z$ w+ i9 W" t; b) y 48,200 31.4 5 P3 {' t, [; B* n1 Q0 y -1.0 ' x5 |5 P7 M( z5 b, [ -0.4 ! L* b+ B8 D) O6 H; J 31.6 Toronto 466,600 / ]; ^/ M% \( T( [5 ? 5.0 ; [8 w% H* g9 o! ^5 l. c 101,100 47.2 ) M' l- r5 x- P, N& b+ c -3.0 + G8 u2 n6 j; Z" {& X1 Z6 Z- q2 ^ -0.1 48.2 - X  o# X' `, Y$ Q& {* E7 s/ |+ `( z Montreal $ t+ W% g7 ~/ N7 Z0 N6 f 271,100 # S+ Z) D3 \" \7 ^8 O. k# J1 { 11.8 61,600 " D" L) Z$ z/ O 41.7 9 U: L, y  Q: g3 X9 J+ m$ |/ y1 G -1.3 6 w) ~" v5 q/ w' p 2.2 , {% `" q/ D, ^ 36.9 Vancouver % `) n, l/ E+ ]: N* v- S* I9 F, D# P. |7 K 672,500 9.7 # }! l! m5 {/ y8 T1 ?) T 131,600 68.8 ! ~7 j) r+ L# w; z9 K) K0 h& y -5.4 2.4 57.3 8 b9 P4 G" {: |: h Ottawa 340,800 2 N- ~7 s2 q7 W8 u5 T 3.4 + |6 z1 T2 _2 P6 z5 o+ d 81,800 38.2 -2.9 4 h* ?8 [; @" W -0.5 1 `( \; a' x" v7 _) {9 T 36.6 Calgary " \. U5 `. v9 E$ A 412,700 2.7 85,00 2 m# e, Z' }6 N) j& k 37.1 7 r0 E3 v3 K7 ?5 P2 E -2.0 -1.5 - w( X/ I' z0 Y9 q9 \ 39.9 + _) Z! J4 Y+ Y3 k Edmonton # B6 I/ S, O$ f 322,900 5.4 % I" g; A$ M+ i% w0 E5 ^* p 72,900 32.7 7 \0 y/ ~% _7 l1 n2 n. v -2.0 -0.5 33.9 : c3 ^6 K- H! [5 ?% E 1 ]  t4 y) v0 Z4 v 4 T, W2 X# T  K. W- i# \' ]  TSource: 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. 6 ^1 l( T6 f4 w6 {8 ] ) u" D$ O9 s$ ?3 ]

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$ p( |4 b4 l# `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.     

; q; O9 X* E8 {4 zThese measures include:
/ v) h) x* {; l& b  W
, q6 s, p" u1 L9 e, g) ~6 X, M" NAmortization period capped at 30 years
: X8 g- P) H) A% H# J, sReduction of government backing for home equity lines of credit
. e' F: O! q& K! V/ GMaximum refinancing reduced to 85% from 90% LTV
0 T' c; v' `2 e% xThere are no changes to down payment requirements as CAAMP recommended.

CAAMP will continue to update members on any new developments.

  A5 g' w7 z; ~0 y" N1 GFor additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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