快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

2010年12月

Bank of Canada Interest Rate 0 ]+ G& g2 k5 c% s September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada , f5 `/ l" F, g& p0 Z! D Bank Prime Lending Rate : o. O" t  h- Y! {# A$ \+ Q* S September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada ; H  g6 ]0 t7 {2 X! J' v; u ( I* l1 ?9 ~6 Y & |6 G% m+ q+ C" p Conventional Mortgage - 5 Year Rate* September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 % f/ |1 n" z$ Z* v/ K 5.44 % Source: Bank of Canada . k) M7 b" z; a* c*Determinant for high ratio mortgage variable qualifying rate 4 [! Q1 Y, Y8 N3 s, Q 4 G7 K( z* C* V ! m' l$ c! {6 v7 g, r5 V% T0 O9 ?US Federal Reserve Board Discount Rate ) K! Z9 x5 I# ^ ) V" a" J. L( W. O0 i" {% ? September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date 5 w/ f4 l. x4 qSource: US Federal Reserve . U- `% s  ^# r: V$ x7 C( b & T% F/ z* Z3 f2 l, J. g: L- s $ [) ^. g2 `$ O( U- u# _: J: {Exchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 ( t7 t6 y) V* J1 W2 TSource: Bank of Canada / Z( W# i1 `' [, r5 Q / V& H2 S  A; ]6 O  P$ ~8 l$ _ 8 p' J$ E8 ^; t. P- @1 @; D' J' d2 U. ? - ~# w5 S" ~# ~4 ~1 W  NGovernment of Canada Bonds 0 ]' h& @$ a! S! i  u0 }! _" I  H ( H, ^0 {' f# ~, H8 ]- T2 _ Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1.21% ' }3 F" i* O9 e* _' k) o0 \3 O3 a% `1 @ 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 , h7 x5 n8 B  ]0 }' X9 S% hBond Yield 2.89% 2.98% 3.19% & u4 K9 _1 ~* ^3 \Source: Bank of Canada 3 S  v8 ~2 R" z- E7 x. g+ Q # H9 p. r% p8 L8 u  s ; Q: \( m3 C4 rTotal New Housing Starts (Seasonally adjusted and annualized) Province 0 n9 g* i- Y0 O- a0 C" ~ August ; V1 U& T5 s$ D/ ?. M2010 August 2009 September 2010 2 ]! Z* ]1 j9 s! f September / q" A) A3 w$ s4 N3 B1 F2009 3 H  L2 V2 c% G October 2010 October 3 p5 N' c( S7 U* `0 H2009 . I: h6 ~( _8 h( P  ~3 I/ @' ? Newfoundland/Labrador 3,500 2,400 0 M2 g$ ^1 R% W8 t% F3 ?& D 3,100 0 s2 ^: ?+ Z0 c: g6 E' Q 2,800 3 u6 [) C7 c. z, u, a0 x* C$ U% W2 M 3,400 2,900 - d! c( R" U( d! }7 f2 a$ c PEI " l! }" g1 _6 i, f# q; R 1,000   X4 Y2 w" c- P; o. a5 S 1,000 0 P3 f) X5 J- a% M+ |: V$ @* j 500   v+ O  d+ F: Z- @) j& i 700 400 ( C. ]. L. M8 W6 @ 1,200 Nova Scotia 3,200 4,200 % H2 r( m* Q/ F) q6 V2 R 4,100 4,500 % E# p6 s: U9 b! N! M# g- x 4,700 4,000 New Brunswick 5,100 3,700 2,400 $ n9 P* E( ?. V( w$ h" c$ T 2,900 5 E; c0 `9 Z4 {+ s: I, V 4,900 8 I/ w& D7 C' c/ `( C. t9 B. C 3,600 : w3 C( z1 R2 Q% m$ Y' t" C Quebec 48,300 6 i* k8 J4 L% @' M+ |- k( y. O 47,300 3 ]% f/ V  ]- S% A2 a; m% i 50,700 41,300 5 w3 m# u# k# \' q8 T 48,600 37,200 7 K1 m# }# z. {! ?- q Ontario 64,800 44,200 $ `" F/ G( r" {6 [- h" O" x# u* R 58,000 50,200 3 x# J! q! b$ b3 Q3 F 44,700 9 @0 q0 z( p6 S) D/ L 57,600 ' f) Q( ^7 p4 i5 `: H6 A3 i Manitoba 9 u$ K6 g  h4 P) S6 u 6,100 / T( i# Q6 J) c# t3 c" ~# N. @ 5,000 " s6 \1 o/ C- H, E6 x" F 4,000 9 B. N! `6 Y4 K0 U 4,400 3,800 4,200 Saskatchewan 7,700   Z( x; c. \) j! S7 S 5,100 . Q# j$ U8 I' d: q5 Z% C* Q 5,400 ; }6 J1 y6 h+ {- a 3,700 4,700 ) Q: Y/ H: K5 @( Q3 X$ Z  C 3,600 * Q) e3 B! L: p* \; n1 f Alberta $ @3 ^" ]; D9 C  H$ H& h 23,500 18,400 1 l6 N% T& L$ I6 f2 R* m3 X 27,100 7 C- M# z  ^! K4 d% Z$ r+ v6 X 22,600 " C0 ^9 X( F8 B1 }- o 25,200 25,000 British Columbia 27,800 1 |0 z# E0 R5 K# n 19,200 ; T$ t0 T& O. a& a6 b% i 29,700 - G4 R" E7 S% A) B% W" v: E2 A 16,200 27,500 : c7 G& G5 f! c$ C: d 18,200 CANADA 191,000 150,500 185,000 ; M& O+ F, a: C 149,300 8 s$ C2 ^" g8 j; x: Z 167,900 2 J) S; p" |1 t  ?) u- @ 157,400   F2 c$ W7 L1 h7 N& g5 F: ] 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. . J) ]1 @" f6 }5 X) W( w 5 Q% m9 d. T% z" j9 S: q2 y( ~& q 9 `) Q& O1 _" `0 Y4 s: IAverage MLS® Resale Price for Local Markets 3 O  d8 }& s4 S! s( E; |0 u 8 o% h2 U7 h/ o9 f  a) x' E City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 6 _9 _! t  a" P $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 $343,747   V: X. S9 P: j* kSource: Canadian Real Estate Association 6 r1 S- m, O5 J0 I8 q6 \0 w# w6 S * f$ G% E! e( y$ O5 F0 d & H! J( P4 y' M+ X, _$ GQuarterly Housing Affordability Index - g8 Y: a9 a( p9 Z: p Standard Two-Storey 8 K: _, v9 e+ s & q* K  U9 F, N9 @0 G Average Price # X) g3 m2 |6 E8 B1 q- [& \ ' F. x% U6 ^, f9 \8 l RBC Housing Affordability Measure ( I- a0 E. \8 D  ]1 \ Region # [# V& w& \* w. t$ V- m% w$ U1 { Q3 2010 ($) & Z8 F8 g% U5 S' v; T Y/Y % ch. 8 `* V# W! }& ?8 |1 v Qualifying Income ($) Q3 2010 Q3 2010 - [1 A2 p$ f/ C% g% s(%) Q/Q ) q, C+ }4 l& f4 s1 ~8 Y- ]0 G9 |& uPpt. Ch. 1 C3 u$ b, J: R Y/Y " z6 V, O8 _1 SPpt. Ch. Avg. since * f. Y* O% c2 ~'85 (%) Canada 370,700 6.3 83,100 46.3   \% {# ]- X& P7 m -2.5 " z) [5 F% \9 m) C, g6 ^ 0.3 43.3 British Columbia 624,800 8.0 / C" N+ `( \1 u: ~ 124,500 67.5 ' d; ~1 c$ [& J1 x -3.9 1.4 : U. ^% M: N3 G0 d" L 54.1 6 [- H+ T* N' X Alberta 365,600 6 I/ O& u" z0 ~! l 0.1 81,400 35.6 -1.8 -2.0 38.6 9 j  ]: p) b0 m2 g* v Saskatchewan ; g% r5 H0 b  m$ F* G 315,300 # z$ T5 G8 b; _- O4 D 5.1 8 t, M& q- J7 Y- z; m$ g! Z 74,100 40.8 7 O( S: ?0 m/ y1 _ -2.2 4 ~! c4 V; s% h; H1 @" [9 x -1.1 ( n1 J+ O2 }: |" r" X& q 38.0 8 W  ^1 s3 t, X8 j1 p Manitoba 269,700 7.8 65,000 37.1 # |% ?7 R3 J$ ?% L, ^2 N- M3 ? -2.3 0.8 37.7 Ontario 388,200 6.2 ! Y- i( N- w. A- j! e 89,800 44.9 " j# t& R$ c. u -2.4 1 G9 c& J6 v+ ? 0.4 43.7 , o) F$ e$ o' ^2 | Quebec 262,100 8.6 ! i$ c! m. S. y$ E( d 61,700 41.7 0 o( _5 X) O3 p' h- _4 V- b0 y. L$ Y -1.8 1.3 7 T0 d9 z; y. c+ B 38.8 / t2 a* B" D% j5 J6 \0 f Atlantic 3 @/ ]; a0 T+ ~7 v* y' O# ` 222,100 4.3 , v' R' ?) |; B, ~$ ` 55,900 ! F4 Q, \6 o! ~3 O0 [/ s' K" n! b 36.5 . {3 W6 [: R! u; Z4 [ -1.4 0.1 - s9 a8 {" r3 }9 A' G 38.0 8 P/ U: t2 Y" c/ G7 Z6 s Toronto 554,700 5.6 120,400 56.2 -3.8 0.1 53.4 Montreal 335,300 # `# O8 B+ r) |( D! e! l 8.9 $ x- S8 L5 Z6 T; x0 \. d 75,800 4 U; z: y7 f* J  S$ P1 D6 Z 51.3 8 p% _7 x3 ?) ~. i -1.7 1.7 ) \+ L3 g& y! v- b 41.7 Vancouver 766,300 6 }! X5 e$ d# r+ A& h 8.4 ( p6 N: Q+ m9 d 149,400 ! e, C: I* O! a0 D: r 78.1 2 l- J" q( Y3 H, H -4.7 $ H1 `9 A; ]- @, e. f  i 2.0 62.6 * ?) S: l: P/ h. r5 f* P0 f0 O Ottawa & \$ n, k; M, W0 K7 v 350,600 , ~1 K  N7 i' z/ G( a/ K1 W 4.8 86,600 - F, ~2 B( B* I: }* l+ D. z 40.5 1 \0 ^$ v6 [# @2 Q" i -2.5 ' }' K+ z8 u/ s3 T+ u# W 0.0 39.1 Calgary 410,500 ) M. F4 y+ B6 @/ n: X -1.0 86,700 37.9 -2.3 -2.6 40.3 % d) [; a6 M1 T: l Edmonton ( p- \, J/ _/ [5 c& Y$ v" \; @0 k 362,500 - j' x3 I) d8 z 1.2 $ g+ n! n% M; g  b5 a 82,500 37.0 ! x0 k: a3 D/ W7 @ -1.9 -1.6 37.0 7 I& G/ v- b. v5 @% X3 {) e9 { 4 K& q- w9 @1 U Detached Bungalow Average Price RBC Housing Affordability Measure / S* A: s5 D' p$ a Region Q3 2010 ($) Y/Y 7 ?6 n+ Y1 j1 B1 S% ch. * f0 z) {  c' K% o( } Qualifying 1 C# F) T4 I4 R3 qIncome ($) Q3 2010 Q3 2010 (%) 9 T: L: o" R0 v6 O0 C% w  x Q/Q Ppt. Ch. 1 |5 M, q( H9 M: b- l7 j: @ Y/Y Ppt. Ch. * N# I6 ]' t3 K) U5 d8 H: ` Avg. since 3 _% v; `, g0 s; Z; i/ I. e* w'85 (%) 0 H! c: w! A% ]' d Canada 325,300 4 K9 \( {1 f  D0 s$ [' N6 O 6.8 & E# U0 d8 l* U, G9 s1 U' u% `0 _ 72,500 ) W; b7 {! c. G4 x# o6 e3 y 40.4 -2.4 * _9 z8 l' Z& U/ a: Z 0.3 5 k. K4 M# X9 `+ S2 g 39.0 British Columbia 544,700 , ~9 [& L6 X! Y0 r& m 8.5 5 C7 D9 M! S+ B/ D! l" i 108,800 1 C7 I. @  z1 k7 `* z 59.0 -5.0 1.5 48.9 4 l0 \6 j- w- M# a1 c Alberta 340,500 . B/ A* E; B4 U; f/ t3 \6 e 2.9 2 K, L; P1 U: l' }) d8 @4 S 74,400 32.5 -1.8 -1.2 36.1 8 w  v1 v% a# i2 p  c3 v6 x6 a Saskatchewan . i$ J7 }# X+ l- o  L) f 312,400 6.3 : s/ ^6 |& J3 _' \* i* W" q 70,900 % R" T$ Q6 W) s. d0 l5 e 39.0 % B  O1 P! R3 U1 a0 E -1.9 -0.8 36.6 Manitoba 251,000 " |) [4 a7 l& d6 v7 c$ R 9.2 / p4 L7 u0 |4 w' t8 U 60,800 34.7 -1.4 ! x$ E' s! S0 P2 f 1.1 6 x7 x: J1 s/ \" | 36.8 / Q$ V& b7 Z' {% [  }- A$ S) a Ontario 337,400 ! F( f+ m+ I$ R3 A 6.1 $ F( e3 A5 d2 O$ n! C 77,900 : x+ r! ?/ m& |: U( B" z 38.9 -2.2 0.2 40.1 Quebec 221,600 + k2 {# X$ w, n/ w3 q4 u  J 9.3 ( `1 k+ O% Q& a/ F  ^: ]$ V/ O 51,700 4 r# f1 X( Q/ E 35.0 ) l( s0 R$ V2 O -1.4 1.2 32.9 Atlantic 3 B, D) B$ a! M( r1 ]7 D 196,600 2.3 / ^$ C8 W' x! w$ j3 B. D0 N 48,200 31.4   |* c$ S: N, E! ^- e -1.0 -0.4 31.6 ! A, U; ]  ~* L7 I; H" u: }- b1 j Toronto ! F# O! [! C5 X4 Y1 W9 p/ h% C 466,600 8 u( y8 n3 Z& _+ b+ t* c) S* q 5.0 101,100 47.2 -3.0 1 A% @. c. f$ X# K8 E: s -0.1 48.2 Montreal 3 b  w/ L- Z9 @7 o7 n4 F& F+ ]5 } 271,100 11.8 61,600 41.7 8 }0 Q; B3 ^6 z' S/ X -1.3 ) C2 Y5 A1 D$ \& g2 Q 2.2 + T; P' a+ [2 U) S 36.9 Vancouver : C5 ]% |' K3 M( `! p; ] 672,500 9.7 131,600 # t% l4 O7 E8 J) y  w 68.8 ) f" Z) U6 e3 G' a- G; N/ d -5.4 2 c4 l' l! d, E- b 2.4 ! ]- r. Q: @6 a! O/ P6 q0 R4 P 57.3 Ottawa 340,800 3.4 81,800 38.2 -2.9 -0.5 % n7 w8 t% i& k 36.6 / }3 n/ P4 k8 ? Calgary 412,700 2.7 85,00 37.1 -2.0 -1.5 1 L5 r2 m) x4 d, f9 c) P# O 39.9 Edmonton 322,900 9 p# }* B1 M+ W6 c, z 5.4 72,900 32.7 , A7 z3 ?# ?- E* d" E -2.0 1 ?/ \: w. q9 {; ` -0.5 33.9 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.   ~$ o" s) E+ Z( r 1 i5 N' e# w" }7 {" A6 b5 a

衣食住行

很有用的信息。
1 [& @  o4 \( f. h0 h. G2 o* v7 F6 h支持！

uil

hycao

今日议息结果如何？

年轻的心

不变

年轻的心

% N+ }; ~# e( D. Z& C' o
8 k! z4 e6 H3 c( u  ]* x$ {& @1 x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.     

8 k4 h0 ~: f% X- t" o7 ^1 LThese measures include:

* D8 M8 J4 c' w3 c" E! AAmortization period capped at 30 years
) D) B( B0 }- vReduction of government backing for home equity lines of credit
$ r; J) `9 z! J" @6 t1 g+ |Maximum refinancing reduced to 85% from 90% LTV
7 w* J, F; ~% @: sThere are no changes to down payment requirements as CAAMP recommended.
$ U: T1 W# _8 ~# C
" q& H) z8 b, z' Y6 e' V4 W& hCAAMP will continue to update members on any new developments.

+ @6 Y  p6 Y; {; H: m8 \" TFor additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

kismet