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发表于 2008-11-25 15:19
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Canada's Mortgage Market - CAAMP Report
Canada's Mortgage Market - CAAMP Report & l( _7 Q1 b% D" L' B/ ~
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Tuesday, November 25, 2008 6 C9 \$ I! C7 X
* W3 \6 J- \- ? CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones:
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5,250,000: The number of Canadian home owners with mortgages. / {( u6 m$ {& [
29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months.
8 h& x+ E) o4 _86%: The percentage of people renewing or refinancing that stayed with their existing lender.
# x* c) f! t/ o/ S0 @8 d- Q7 G$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average.
9 A5 j' h8 y1 h- t4 k7 j& a22%: The percentage of mortgagors who took equity out of their homes in the past 12 months. People are spending more because last year it was 17%.
. m) q( t1 \7 z% W- V# M d6 I$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. 5 B4 K* b' R* N( Z
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years.
6 t: v/ A. H/ H" l4 \5.41%: The average Canadian's mortgage rate. Last year it was 5.56%. % \, z2 q& @# M8 M, F8 t7 \
0.40%: The average interest rate improvement realized by people who refinanced in the past year.
/ Q: W% Z: A1 n& V( J: y/ c1.59%: The average discount off of bank-posted rates. # ?, b+ Y- |+ c, L+ h
1.96: The average number of quotes people get when shopping for a mortgage. : |6 F+ P7 s& t- b) R/ I4 L2 ?
0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year. 0 s. J4 U t- w3 g. c
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009.
# T, V0 J P. T* c2 `& ]. \' g, l8 h36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared. 4 e5 J4 x6 I! d2 }& u4 o. U
Peoples' favourite mortgage terms:) O1 f* G) f% c0 p2 H3 \# ?7 a
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1-3 years: 29% of borrowers
' I+ t! y% s0 w& m4-5 year: 61% of borrowers . o7 k! s5 w% R% {( G6 C
Over 5 years: 10% of borrowers9 n1 }- X3 {( ]$ C" ?7 g' A, G8 Q, t
CAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.
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There's also a big trend towards variable rates. 40% of mortgages were variable in the past year. In CAAMP's 2007 report the number was just 21%. CAAMP says that's because "consumers may be expecting interest rate reductions." We'd also like to think they're becoming more educated about the long-term advantage of variable rates.
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Where did people get their new mortgages this year?! c$ r! L/ i/ Z
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Major banks: 47% 1 T$ I q1 }2 d: P& W h' l
Mortgage brokers: 35%
/ A, b; s5 u/ O( v; \7 f6 ZCredit Unions: 11% 8 [& Q. V( v6 R4 F# F* G
Other: 6%1 e. {/ }) G3 Q8 ]
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楼主: 郭森房贷
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发表于 2008-11-16 20:47
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