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发表于 2008-11-25 15:19
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Canada's Mortgage Market - CAAMP Report
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Tuesday, November 25, 2008
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% o: F- t8 c- l8 M 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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( l8 Y% l: N9 T6 C( q D% ?5 O5,250,000: The number of Canadian home owners with mortgages.
# q# v$ t4 f6 u3 v4 L29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. 4 ~) h( o# C4 H
86%: The percentage of people renewing or refinancing that stayed with their existing lender. ' }) Q( u1 j, W8 V% B) S$ C# l6 z$ s
$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average. / U; O+ J5 r( W
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%.
! _# l a* z) w( ~9 `$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation.
7 [7 x$ P) h3 E0 L50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years.
" ^- X& j0 i. H0 D1 |5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
4 R4 P. j* \7 q6 ?6 P" @! F0.40%: The average interest rate improvement realized by people who refinanced in the past year. 5 L* \) C# q, [" Q8 M. h
1.59%: The average discount off of bank-posted rates.
6 P! T. u4 W! f0 E5 |# @9 ]; ^1.96: The average number of quotes people get when shopping for a mortgage. # Y, F; _) M1 R+ a0 B8 P T0 e% V7 Y
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. 9 ~* l1 v8 u" Y! R6 e
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. & K; f( f2 j8 m& ~1 K7 g
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
. E# c, }# g4 A- j! z8 `" JPeoples' favourite mortgage terms:
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1-3 years: 29% of borrowers " S, _* g" O @1 q. v; B
4-5 year: 61% of borrowers
! ^. l# T+ k+ g. z6 D1 tOver 5 years: 10% of borrowers. z- y8 R8 E5 D+ p3 H) d$ B& T8 L
CAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.9 y6 M$ G+ i$ e& S% w9 X4 _* \
: M# c9 r* K- vThere'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.% c; y5 S4 D' V. t
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Where did people get their new mortgages this year?( ?" Y5 J" P' l7 h# H
& g: q- B; q+ o6 ]Major banks: 47%
. g9 F' u$ i' Z7 s0 y! gMortgage brokers: 35%
! K! K T, @6 v: tCredit Unions: 11%
* O* U' P" ]% \; e2 n9 Y' O' rOther: 6%' G5 i3 j9 r0 |) c9 J% b
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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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