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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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, p: J% C% ^. V* ?5 Q" n' fTuesday, November 25, 2008
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n5 C( }3 f/ @( V6 \" D! z 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. + ], y D5 H6 ]6 a# T
29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. ) C' d, g2 J0 B7 a3 l; w
86%: The percentage of people renewing or refinancing that stayed with their existing lender. ; J+ ^# m! @' b. Q, W9 o
$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average.
) K' n& ]% z3 O5 E22%: 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%.
" J2 Q5 v2 t0 a, `8 X( D$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. 0 @; n: G0 J( K6 X+ W* x, u: I) Y
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. . _ K4 K) Z+ g* ?
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
/ ]+ ]/ U( }* e7 p" ~* D, T0.40%: The average interest rate improvement realized by people who refinanced in the past year.
, u' a. O0 J8 I; j) ^1.59%: The average discount off of bank-posted rates.
- t8 w! {/ R3 B7 [1.96: The average number of quotes people get when shopping for a mortgage.
/ V. h! v2 B* D& Y) S. k9 h0 s( a0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year. 7 R. {, z7 r% ~" `" U
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009.
5 o4 q; j# x+ W36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
" e% }2 ~7 V" i6 @: u. |! Q" }8 dPeoples' favourite mortgage terms:
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1-3 years: 29% of borrowers 3 N* E8 ?* z9 V( ?' q/ d5 C
4-5 year: 61% of borrowers 8 N; J! o0 {7 R1 B- r
Over 5 years: 10% of borrowers
; d( q( X, s) w- W" q2 q. a7 oCAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.' U: t+ z# r o. p/ p+ @0 X8 m
; f9 z2 ^4 \* W- G+ FThere's also a big trend towards variable rates. 40% of mortgages were variable in the past year. In CAAMP's 2007 report the number was just 21%. CAAMP says that's because "consumers may be expecting interest rate reductions." We'd also like to think they're becoming more educated about the long-term advantage of variable rates.
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$ w5 H# q7 p/ a F1 MWhere did people get their new mortgages this year?0 N, J6 h! S0 U8 X
* N1 N$ m3 A# `: T9 B$ c* U, TMajor banks: 47% ) @4 i3 F* ^# C' u, f
Mortgage brokers: 35% , c* r2 }& f& I; F* \" L5 q
Credit Unions: 11% ' d/ L0 ? \, z9 x5 ^& }
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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