快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

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$ t$ V+ o0 @" w6 @2010年12月

Bank of Canada Interest Rate ! f( n2 i8 n# w, r" u' y . Z; S2 d9 w& g- L0 Y. n September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada / ^2 u! @1 `, A1 f) } % p& p& h0 h4 h% O! O 6 u; u( Q4 o/ U+ W$ l4 nBank Prime Lending Rate   e, v3 w- \  m, E8 g # P/ A: E5 a  M8 P$ |0 _8 s. N 5 K" M- N" [7 D September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada + T, N; U0 _; R1 o' K1 ? Conventional Mortgage - 5 Year Rate* 7 i2 z* \4 U. G) f) p- { September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 5.44 % * N9 _* y- u. r/ VSource: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate 2 J5 Q3 e- Z  h7 R/ e9 y; C 4 X- T7 L' ^  ]: g! U1 l* o( _, Z US Federal Reserve Board Discount Rate 3 x. H9 j: \  d9 u# S" t4 w ) `3 }6 r0 u; u September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date 4 A# @) k5 T! ~& G/ BSource: US Federal Reserve 5 `1 {+ U; p) C/ D# E/ W; ?* {. { Exchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 ! Y  R0 m. P5 A2 t8 rSource: Bank of Canada : H' m0 D  C( c9 U ( M+ K. [( d) Q9 C! H. C2 _4 b Government of Canada Bonds * i$ w2 k6 h) t! Y& k0 G2 B( L ' W# z5 Y6 N  e ) M6 Q7 L4 F, [+ ^3 x0 z  ~# u Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1.21% 3 p  J& v3 p7 P) g- m3 S  I. f 1.27% 1.39% 3 year Benchmark / ?; X9 J6 n+ IBond Yield 1.59% 1.73% 1.94% 5 year Benchmark ' G" v, _% H0 m' M8 `Bond Yield 2.06% 2.20% 2.48% 10 year Benchmark Bond Yield 2.89% 2.98% 3.19% Source: Bank of Canada 7 A1 R' I5 Q8 U7 ^ . a! t5 q0 i1 D; \1 {6 \9 ~, g ' y- y/ d( Z. u' k" @3 ?  uTotal New Housing Starts (Seasonally adjusted and annualized)   Y3 u/ t2 B* _4 M" y7 W1 Z4 z% Q( k Province August ; v2 v* c$ q/ y/ d6 \2010 August 2009 9 |$ d: O7 l/ G, H9 T" m' `  T September 2010 ! E8 |: V! N' K0 }0 E3 G) O September 2009 ) f( Z9 {3 [' A. z" u% @  m October - b4 Y1 b5 f1 `2010 October 2009 0 b, B; j4 w7 r- [ Newfoundland/Labrador 1 V( A) a4 p. h& N5 j+ T# ~2 B" t 3,500 2,400   x* L5 a4 g+ b' B 3,100 0 Q2 |5 C' M- G- _. N/ Y6 P9 T/ s* ^) A1 l 2,800 3,400 2,900 PEI 1,000 % |) G7 K/ H! S" n6 ~. E 1,000 500 700 . J3 k9 x" v6 Q2 e% N9 d 400 1,200 " [- s& l% g; I, M+ a/ E8 F8 _ Nova Scotia 3,200   C( ^, {1 E; ~2 N4 [ 4,200 4,100 * x5 S% y5 u% T0 l, { 4,500 4,700 5 ~0 w( w7 u4 H 4,000 : s4 V8 S: D9 X# B7 r0 B New Brunswick 5,100 0 q" z4 q' W4 K! D3 y; a: N# C 3,700 2,400 2,900 + G1 m; Y1 E) Y& D% f; P 4,900 3,600 Quebec 48,300 5 Q2 y- }. Y' Q6 |! b 47,300 $ C" F, W; H7 Y* W% d% k 50,700 41,300 - ~0 T1 V- ]9 H! @$ C( q9 m 48,600 + `1 D2 [6 z# |- q' x7 m' M 37,200 Ontario 64,800 1 ]7 k; L, E$ {- a 44,200 2 l6 s2 T0 h7 y, W  U6 \4 }3 B5 o 58,000 5 `8 N9 m) j. w' H 50,200 44,700 $ i: b+ Q* W; W4 I) G 57,600 ) g. u4 t* ~/ _6 ~$ h& W# w Manitoba 6,100 # h- G# D/ d# \' e  \ 5,000 ' a4 h% }! }) E/ O+ b) @ 4,000 % W# R7 R2 x/ U 4,400 3,800 4,200 Saskatchewan 7,700 ) D+ ]3 [; v- P% b+ T7 U 5,100 # O  [; r" O1 O& @: Z, e9 o 5,400 1 R# |! S; H+ F9 b: H; J4 k 3,700   d+ g4 w3 ^/ Y8 K* g0 ~: U" g 4,700 3,600 4 V* j2 o0 R7 m; Y2 O Alberta / d. }0 j: m4 I; g* s. v% f/ X 23,500 - g) P4 x& x: X8 k3 x& T4 a 18,400 27,100 22,600 25,200 25,000 . q" h' A6 x3 ?0 m1 v/ N British Columbia 6 i2 v+ Q  N) \. o 27,800 " w) N$ A, i6 m1 t2 h 19,200 ; T4 J  Y3 f7 _! V' e: h1 v 29,700 16,200 % M. q- }, z( k; Q, L1 o# { 27,500 18,200 " s- g! W% F( x! K" k) c CANADA   t( k: R. ^5 b5 v& _% i+ P3 p  ` 191,000 : s0 g0 @+ N8 j- P 150,500 3 s6 ^: u) w  J 185,000 ; H$ ^& L- p5 t6 q/ ^4 D* q 149,300 167,900 " }/ }7 O  j9 }! R! ^8 p 157,400 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. * A2 l5 i8 f/ t, G8 X! [. o 5 p3 j, J4 p$ j' t ( D& S8 W3 s% p8 _1 r 8 f' P% o/ k/ d: R6 i8 X' p( oAverage MLS® Resale Price for Local Markets & e& m1 S' R" Y 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 $ P, @; U* m5 e3 f: ^ 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 $343,747 . Q$ O' o$ p* H* I: X# n% \) E4 Z, vSource: Canadian Real Estate Association $ l! i% {& K: G0 D 8 i. w- f8 v0 j. w/ |+ i - y, f4 p/ z" A. S% Y Quarterly Housing Affordability Index Standard Two-Storey * ?3 A* h0 _1 ]6 [& n( Q Average Price RBC Housing Affordability Measure - T6 o0 y' }) ~" I4 ` Region Q3 2010 ($) 3 S/ Q! d  S; h" ?% i; M/ q Y/Y % ch. . i+ C5 p4 d: A1 O% v) d  }( T Qualifying Income ($) Q3 2010 Q3 2010   w, `* G# f, f  E(%) Q/Q ) s2 ^( k! k  D" HPpt. Ch. Y/Y Ppt. Ch. Avg. since '85 (%) 8 U0 I0 i; ]1 _* z- x' | Canada - k8 `7 q, V) ~1 Y2 O 370,700 $ U( {0 z! b+ R  O: q1 v 6.3 83,100 46.3 2 ^5 g% _3 z' v -2.5 2 l' p0 p8 d1 f# {& Z/ W 0.3 7 O! a" I" |& ~2 q 43.3 British Columbia 624,800 + Y- K# Q! {% `1 \( S6 g. ~ 8.0 124,500 * s* _7 ]. r+ R 67.5 : n& g- ?9 T; n -3.9 1.4 ( D3 Q- w; \4 t 54.1 Alberta & Y5 M- W; G5 y- ` 365,600 2 \6 p! {6 h! A3 b 0.1 2 G8 l# b% S7 C; S& G# Z7 R 81,400 1 X4 B4 ~; r+ U7 v7 L; R2 N# T 35.6 $ e& C. b# L3 F% S1 s -1.8 -2.0 38.6 . Z  r7 G7 o" O6 j1 Q$ B- M. g Saskatchewan , ]$ g, d; X! R3 B8 l 315,300 5.1 5 u& I3 Z7 \& P! J 74,100 4 z6 D! S# E  g! [ 40.8 / Z4 d- ]/ `1 F+ L& M -2.2 -1.1 38.0 Manitoba ! [" B" o2 M( ?/ P& X+ l' I. z% n 269,700 . R: `4 N5 ?) h( F, S 7.8 % G2 i, M0 T* a! _- ?+ p( s5 m 65,000 1 d% d* i1 }' ] 37.1 -2.3 0.8 37.7 0 n: v+ C5 \/ c- s3 W+ C9 D Ontario # R' E/ s* o4 n. A8 _  I- X 388,200 9 @# }6 L7 q2 I) w/ a# m; ] 6.2 + }2 `% X7 R" M' d/ y0 S) m 89,800 , K, a; ^- K$ b* i1 O 44.9 -2.4 1 g" `; T1 X6 O3 `7 E  s2 V 0.4 43.7 + j( ]' ^0 x( B3 R% ` Quebec 262,100 * ?! `8 z2 k0 q3 b5 U) C3 C1 ]' ` 8.6 3 G0 S/ h7 u; e4 U& ` 61,700 41.7 -1.8 - \) d0 t/ M6 X% F9 d7 z+ i 1.3 38.8 , c$ {/ ]% t$ x# q- _ Atlantic 222,100 4.3 9 p( e* m; h. ^. I- ^# X9 p 55,900 36.5 ! [9 u' M2 u' M" Y -1.4 0.1 38.0 3 U' z$ x& S. J& g Toronto 554,700 5.6 1 Y. N! ?8 w# N! f. ` 120,400 ; y$ _: M+ n' m' g: N, a 56.2 -3.8 0.1 53.4 Montreal ; r' o( U' O& i8 w* e/ H 335,300 8.9 75,800 51.3 % s# k; m5 d9 ^ -1.7 : p& z9 `: f  a% d! U6 u 1.7 41.7 Vancouver - ~" ^  C2 j( _6 m" q" ]7 {. a$ D 766,300 % H. b, }3 j9 w0 J/ x: G 8.4 " z) ?( \5 C9 ]1 A6 _ 149,400 78.1 * [- ~8 a  P+ z" [ -4.7 2.0 62.6   Q4 E) B  [. g$ p; s  M Ottawa 350,600 4.8 6 K& j4 }$ l0 L. \0 V 86,600 3 |+ {" m+ O, B$ o1 P& C& Y 40.5 -2.5 0.0 39.1 Calgary / h# m8 Q. n* N 410,500 / E; a. f, Y  _4 L: d2 _' u -1.0 86,700 ( \; j7 W  d& n/ E 37.9 ' Y+ G9 ~7 H/ G( o9 I2 m -2.3 -2.6 40.3 ; m7 u. q( Y# X  c Edmonton ' R! W9 N3 O0 R$ H6 z 362,500 1.2 82,500 ; Q& ~0 b* z2 a% ^5 b. d! K* u/ p 37.0 - A4 k" B3 y5 a& D% i8 \  j -1.9 -1.6 ' `0 l7 M  M. c7 |3 s5 A  y 37.0 Detached Bungalow Average Price 6 n; p7 ]3 n8 x! B0 r) p0 @8 S 1 G1 J. x8 T% r3 C4 X RBC Housing Affordability Measure Region Q3 2010 ($) Y/Y " n# {9 D3 Q( L% ch. ) C# |& }/ D7 n8 w- u Qualifying / D$ G% V$ Z9 vIncome ($) 2 q  x4 i6 m9 v4 S: U6 JQ3 2010 Q3 2010 2 @% X/ f9 c4 v8 T5 K(%) 6 A" O8 P1 j% a Q/Q 9 ~. b9 E$ B8 D$ s% `7 C0 @: }Ppt. Ch. 4 K1 z5 M' Q4 |2 F: x( R7 W Y/Y Ppt. Ch. Avg. since '85 (%)   [6 M( d) Q/ L Canada $ H% M7 |, B) {; [ 325,300 * w5 V9 Y' r  V) i 6.8 6 Q* Q1 G2 A% U( j8 R  `* } 72,500 40.4 0 x& q# \8 [( n9 x* C9 k" H! u( M; t& A -2.4 ! w- x" c+ q; Z6 B: _+ G! l 0.3 ; p' x. R" {8 l6 D 39.0 9 ]8 j8 g9 R; q  V British Columbia % L5 b' M6 O" i: I+ S 544,700 " e, ~8 Y5 v' U+ k 8.5 108,800 59.0 1 @4 {% n9 H+ } -5.0 1.5 ! f+ q4 ?. T  q# U% @ 48.9 Alberta % J  C% n2 \2 _0 ?) H: w 340,500   k+ z4 ?  C* A* Y/ g2 |& g% s 2.9 74,400 32.5 ; o% Z, }4 \) L$ T -1.8 -1.2 36.1 Saskatchewan 312,400 ( x$ j- |. U7 B  k: ] 6.3 2 y7 O0 S2 H* X 70,900 * |% I+ K$ _( q# r 39.0 -1.9 ) i4 Z" p# A) w1 w3 M$ w -0.8 36.6 Manitoba ! ^2 Q3 H4 P2 ~( n4 @ 251,000 9.2 60,800 34.7 -1.4 / t# u2 e) Y3 }. _- e, ` 1.1 $ y0 q, o% b7 q 36.8 5 e. m  K) ~( }( S- l5 f Ontario 337,400 - l, [6 g& S1 ~9 \7 r% I/ j: _ 6.1 77,900 / S8 h& f: F# l* ?6 _ 38.9   |1 F2 g) R, P2 d  r -2.2 0.2 40.1 Quebec ) n# M7 Q: m: d& P% b+ |) [ 221,600 9.3 51,700 35.0 -1.4 9 b' [0 P7 M( Q% c9 T 1.2 32.9 Atlantic 196,600 - ]" t' A" v8 a5 x0 C. C 2.3 # k" s5 K. O4 x! N3 |! `0 N 48,200 " h0 h) s* f' P 31.4 -1.0 ) W! i" `; q4 v6 J, Z8 H& q) D* X, ` -0.4 31.6 Toronto 466,600 ) s" m8 Z' d- T8 |3 n! u& J; z 5.0 7 a7 r! |: X! p2 q5 l. u  y 101,100 6 O! ?9 h2 r6 Y7 T4 f  i7 M 47.2 -3.0 -0.1 48.2 Montreal ; h/ m9 |& r, L3 y' J 271,100 , Z# p+ d- ~* {5 e: @, \3 s2 { 11.8 61,600 41.7 6 }" j3 s9 `6 G' _$ V$ c) d! c -1.3 & h  ~1 X! z1 B% c9 O8 \3 T4 Q" R 2.2 36.9 Vancouver 6 M- ?, B8 g: l& R 672,500 : ~) O% f- w; K8 c( S6 H" u( ^ 9.7 131,600 3 l$ Z! c% l2 S" X* R 68.8 , ]$ Z- H( t. X: F2 i -5.4 ( X, t( @$ d/ s8 f9 c# O 2.4 57.3 Ottawa 340,800 3.4 81,800 ( A7 D5 s5 K* H 38.2 ! @7 E- K* }9 l -2.9 4 R9 a8 w3 C7 {3 i; M+ [ -0.5 1 A: m( d" y7 v/ }( e 36.6 $ K$ w8 \0 u$ u( i" w% F4 b2 U Calgary 412,700 2.7 ' m9 T; H6 q$ P5 O 85,00 37.1 $ {0 l6 ~2 o0 T7 o5 N -2.0 5 f( T5 d( B: ^. D2 h4 C -1.5 39.9 . }- z" `8 P: v- m Edmonton & w( R2 a) X7 F8 ] 322,900 0 u8 ]' z' Y& m( i! i3 | 5.4 3 L2 U+ [; F" ~0 L0 h 72,900 7 h( y' K: m0 |: N" q 32.7 -2.0 -0.5 $ `( j2 s: Y7 S; v4 D 33.9 2 ~+ f6 F0 W; ^+ m, o0 k % |: o9 u; a6 ?: F8 C7 \, uSource: 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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快讯： Federal Government's Mortgage Insurance Changes
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" p+ b( b1 y4 rThis morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     
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+ V7 o' G+ d) ^1 g* EThese measures include:

Amortization period capped at 30 years
4 I1 \' M3 @' _/ a3 L% r) l# \Reduction of government backing for home equity lines of credit
7 e0 s8 U1 O6 k0 n8 L" MMaximum refinancing reduced to 85% from 90% LTV
: I; m% h6 U" e  NThere are no changes to down payment requirements as CAAMP recommended.
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  I) \. Y( t0 [* [6 d( }. a4 o/ UCAAMP will continue to update members on any new developments.
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* I% R9 o( I6 B, cFor additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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