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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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Tuesday, November 25, 2008 8 u Q& q& V9 ^
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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:
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5,250,000: The number of Canadian home owners with mortgages.
9 ]- ~& {: p6 _9 Y/ ?29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months. 6 z, [5 d' ^+ S) t1 P
86%: The percentage of people renewing or refinancing that stayed with their existing lender.
: s2 e) P7 v! N( ~ L$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average. 1 m! i) `* E/ y7 r9 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%.
: u0 _" [2 b# }$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.
{: n6 x- n% S0 g( M6 [0 b50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years.
$ w' i9 P8 i# D6 q5.41%: The average Canadian's mortgage rate. Last year it was 5.56%. & S, J3 D" m4 x0 L8 f; \& |+ Q
0.40%: The average interest rate improvement realized by people who refinanced in the past year. & O! s9 \9 m" [1 a
1.59%: The average discount off of bank-posted rates.
{$ M5 q a2 [; G1.96: The average number of quotes people get when shopping for a mortgage. 3 q$ W: ?& B8 J" I
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 ]2 n3 ~: N$ P
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009.
' F& O! k4 u( q( F; H- S36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared.
1 M6 X/ G% [ v" _7 g/ }' uPeoples' favourite mortgage terms:& t* c. C# z, T% c$ d3 z! E
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1-3 years: 29% of borrowers , F7 l' m+ @, s3 h5 f
4-5 year: 61% of borrowers 8 t* L2 \2 A5 t5 Q) X3 B7 \
Over 5 years: 10% of borrowers
; a9 L! M! O. }: W; }. z ACAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.3 P* Z- I. q5 s
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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?6 j& _1 G4 k' v8 U0 a& }* r+ @7 n
. F+ X$ c" R9 p4 s& ?& iMajor banks: 47% 1 z! j4 I* X, T, s' R4 S
Mortgage brokers: 35% 3 z$ W6 \6 T a, g
Credit Unions: 11% ( L) U N6 B d2 t
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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