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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
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Tuesday, November 25, 2008 - q, t6 u3 t! U1 f/ ?8 l
8 t) ^; i% n. j, |& l 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 n5 x0 a: S3 d: k! \2 M# M5,250,000: The number of Canadian home owners with mortgages.
5 o/ n) t! h( W- Q2 b# p29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. % w' |4 v& t/ H$ Y
86%: The percentage of people renewing or refinancing that stayed with their existing lender.
" E9 I$ m$ a0 x7 E% ?* R1 a$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average. 3 q8 V# ?1 e4 P p+ m4 O+ H# g6 v `
22%: 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%.
! [& D) w7 u/ [: Q% r$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation.
2 S8 S( ~% Q+ i# e/ S. S6 o50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. 4 w! u% z4 F* K1 m$ V/ _ A
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
) C8 G* ?6 K. u: ^" `0.40%: The average interest rate improvement realized by people who refinanced in the past year.
+ k: u m5 L/ m1.59%: The average discount off of bank-posted rates.
" r. m( g) Z8 y! T, f7 T1.96: The average number of quotes people get when shopping for a mortgage. @' B# ~: Q% @3 o
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.
4 o+ d, l7 H. a0 s! z10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. ' T) |1 s& a7 S7 c( J# W/ i, A
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
& w" E0 ?( J: ~. M- N6 b( F l0 iPeoples' favourite mortgage terms:
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# {' N z6 [2 k4 `( e. ?9 J1-3 years: 29% of borrowers ' Y8 c; @+ f4 F; Y% C- V8 g* ]
4-5 year: 61% of borrowers 5 I( S/ ^1 q3 j: P- E# ~- M- z+ g
Over 5 years: 10% of borrowers
& K: {& r- q' f! M6 sCAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.
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7 Y2 @% M. A9 m; q7 UThere'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.2 G+ h$ }- E- ^" m! @* }: w7 ~
/ i( S4 ^4 E% qWhere did people get their new mortgages this year?
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3 \0 ]) O; k' PMajor banks: 47% # z& J& R! U5 U: ?# g: G
Mortgage brokers: 35% , m) V! F) C$ Z4 b: i
Credit Unions: 11% # C; Y; h( S7 c7 u1 q% j
Other: 6%
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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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