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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 % Z0 P/ m: {# d7 O
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Tuesday, November 25, 2008 2 S3 D6 P. d, y' n ]9 i. M
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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:* R; k8 X7 a) K$ A# V/ a3 w
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5,250,000: The number of Canadian home owners with mortgages.
2 D$ ^+ G7 I, ]) G+ b# O29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months.
/ B; Y, k2 a4 s* W* `; F& m86%: The percentage of people renewing or refinancing that stayed with their existing lender. 4 `8 h' V z; @7 H
$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average. 6 R3 M+ W# v& M4 y
22%: The percentage of mortgagors who took equity out of their homes in the past 12 months. People are spending more because last year it was 17%.
& K$ h# u' d4 P1 q/ V$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation.
3 L- `( j; o3 m5 _$ G* X9 \50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. & H+ c/ K/ F" H' m, q( L( A" n2 T6 u
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
, Z, D$ X& {/ y5 _: b! [" `5 N# W0.40%: The average interest rate improvement realized by people who refinanced in the past year. " {" A; k3 e9 ^" f' W
1.59%: The average discount off of bank-posted rates. ( d2 Z3 K W* O1 u9 }3 L3 D
1.96: The average number of quotes people get when shopping for a mortgage.
2 R) V, D6 M r ^0 s9 D1 [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. 7 o& y$ [9 L" n) L. f1 H% S
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009.
% O0 f t& Q/ L1 I% ?/ _. G5 R36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared. 2 \5 Y* O, ^( S" l6 c; \. k
Peoples' favourite mortgage terms:% R2 t; G+ \0 \$ x% Q
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1-3 years: 29% of borrowers
1 ?3 a% t) I- v1 l5 o5 P4-5 year: 61% of borrowers
# G! \$ g) f; `8 [$ h' IOver 5 years: 10% of borrowers+ @% \) G$ G0 Z" B: R# _. |- H
CAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.
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. z; i- L5 l& V/ KThere'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?6 \4 x( x, r s& e! D
5 s% M, s/ X* @# j# T8 l) _Major banks: 47% ! @, A* X5 r7 ]& o; o+ z1 ~
Mortgage brokers: 35%
9 b/ N7 a D2 m& O7 ]* `4 ]Credit Unions: 11% / G# U+ u0 f7 f- v$ ]# e
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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