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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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3 C' l9 W b7 v7 ^( d7 DTuesday, November 25, 2008 ?4 m& L. ]/ D# C5 ^. t! ~
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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:; B% K4 X9 @* Y& u
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5,250,000: The number of Canadian home owners with mortgages. : z' [1 v8 B3 F
29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months.
% w2 j+ r! _) v9 D9 |* d86%: The percentage of people renewing or refinancing that stayed with their existing lender.
$ O6 ?( u" }7 H: f8 {; ^7 N$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average.
( F" m. C5 @7 x8 J* N: E8 p; k% A4 w22%: 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%.
$ }+ O0 A( n% F* n; `4 k$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation. ' p2 h. V) Z( t! A
50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. % W# k/ B+ E$ v) i G; P
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%. + s. X% \! c8 e( z5 t) u
0.40%: The average interest rate improvement realized by people who refinanced in the past year.
! h0 C& Q" z, I7 R1.59%: The average discount off of bank-posted rates.
' Y3 n3 W% B2 M1.96: The average number of quotes people get when shopping for a mortgage. $ B6 ]( M% @" P! b; ~: O7 s
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.
; _/ l0 \/ y2 i10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. 8 }3 N. B8 H" H3 f, W1 L: M
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared. * H! S% f! B9 T7 h4 O
Peoples' favourite mortgage terms:
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1 R- r. ^5 R. B. }: {# \, U1-3 years: 29% of borrowers : F0 m+ Q( c$ s) U9 [. N
4-5 year: 61% of borrowers - k! c/ s0 Y# p! t4 x
Over 5 years: 10% of borrowers
2 h/ q( {) ]4 }, W E0 C6 `CAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.
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3 f7 y2 r t* [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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; _! Y. Y- m; O# H* k1 ~" D% YWhere did people get their new mortgages this year?
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) f, T& H$ w1 Q( g% p4 Z* ~" mMajor banks: 47% 0 T$ {6 w6 ?! k
Mortgage brokers: 35%
/ ]/ }' P! s# m0 ICredit Unions: 11% ; a9 U1 c9 P" V- c' V* F
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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