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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 ) @9 p4 V9 V' ~# s* p6 ?0 a
& b& q7 S% D/ S- K# qTuesday, November 25, 2008 3 F ]! N( C, L1 q! E
" Y$ ], q4 v Z6 g( n CAAMP has released its annual mortgage report and it's chock full of mortgage stats. Here's a rundown on the more notable ones:& B7 G/ P& f5 o2 j
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5,250,000: The number of Canadian home owners with mortgages. % Z5 H) _' J5 [3 F% h* ]
29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months.
6 B5 F; P# V5 C1 ?86%: The percentage of people renewing or refinancing that stayed with their existing lender. 7 Y9 z, E7 K' M4 L* V2 ^
$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average.
% X; r( ?4 Y0 X8 n22%: 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%.
0 F& S4 b. N5 X3 g7 i, V; [$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. : z# D: W }! ]" g0 `( f
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years.
8 m5 L4 k0 c; q" j+ Q- F+ C9 f, ]: n5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
6 p+ s/ S, k& ^0.40%: The average interest rate improvement realized by people who refinanced in the past year. 4 G8 p8 q* i( J w1 m2 A" P
1.59%: The average discount off of bank-posted rates. 7 U8 ^2 \6 u; D2 R& O; |) s) s
1.96: The average number of quotes people get when shopping for a mortgage.
/ Q9 n9 @, a) @0.28%: The percentage of Canadians who are 90 days or more past due on their mortgage. That's up just slightly from last year. # a# D% T5 @ w" b) `6 F$ T
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009.
$ n2 M3 }3 i! o$ }36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
1 J% [! p6 i: q2 V B) e* ^/ LPeoples' favourite mortgage terms:
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/ T& G/ V$ J( D4 e1-3 years: 29% of borrowers
; A5 s. f0 L; n4-5 year: 61% of borrowers
# Z& H8 l: Y1 g' gOver 5 years: 10% of borrowers" T- `9 H* \& X5 r
CAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.
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There'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?/ c) b7 h/ l2 J; k; x
- ?8 d9 m5 Q- o" L2 y& i& dMajor banks: 47%
/ F: `1 j& S4 p' c4 YMortgage brokers: 35%
/ K3 \4 U! N( [+ v: \2 _( QCredit Unions: 11% 4 b; M. Y5 X% m! E& t# I; `' z7 s
Other: 6%4 s3 i* ~2 [) p, x
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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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