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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
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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.
/ q5 n( t6 ?9 J* _2 @( z29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. , I1 Q/ n; P* _4 t% t' `0 o" ~" I
86%: The percentage of people renewing or refinancing that stayed with their existing lender.
6 ]# j& u! y1 Z& r: _4 u$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average.
8 ^; Y/ s: B$ I: T2 v* e) N {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%. . I/ _5 F' p: B" l
$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. 5 y+ T% d/ _ ^2 J y% b
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years.
% d" B. Y6 S' [% t K" T5.41%: The average Canadian's mortgage rate. Last year it was 5.56%. ! ~" v7 }1 R) L, Y: C! [; |3 w$ ?
0.40%: The average interest rate improvement realized by people who refinanced in the past year. 1 a8 C7 `0 z6 e4 d# X: o, I
1.59%: The average discount off of bank-posted rates. 7 ?' _" Y. u( R. n9 c" i/ G1 Q2 X
1.96: The average number of quotes people get when shopping for a mortgage. 5 p* \7 g6 d4 v8 z8 H7 H
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. ) O9 Z( m1 q( v$ g
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. 3 t; v5 t" I; L9 n3 O
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
8 u1 L. B+ N% p& k+ Q' ^9 g7 {% U* PPeoples' favourite mortgage terms:
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1-3 years: 29% of borrowers
; [0 P' r( T) f1 t' n8 o. r H4 i4-5 year: 61% of borrowers
: ~2 K4 P: v8 E1 M- i) {Over 5 years: 10% of borrowers
& u3 H. J1 x" KCAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.
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/ M5 `% ~- g" m, t# eThere'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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3 {$ ]: q+ F, V$ D- K3 bWhere did people get their new mortgages this year?; W( c- e: _: a/ C2 w1 L5 G
) U4 V" g2 I" WMajor banks: 47% . D/ x( u; b/ U9 D$ ?
Mortgage brokers: 35%
+ f$ Y4 ^: M1 I5 UCredit Unions: 11%
5 f! j: h/ v5 q% I4 E: T$ z7 [8 IOther: 6%& z. Z4 l5 }, V! Z: E- c
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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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