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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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% s( j# c' V7 k. E/ j( L( iTuesday, November 25, 2008 ! G4 r3 [( ]+ F. Q
7 u% ` e9 D6 v- k0 n0 m( 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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8 v* \2 x! S) `) w5,250,000: The number of Canadian home owners with mortgages.
+ E2 [$ d3 ]* ^* w29%: The percentage of Canadian homeowners who got a new mortgage in the last 12 months.
! G( [' S3 o, L( ]2 r3 c) t4 |86%: The percentage of people renewing or refinancing that stayed with their existing lender.
/ M! ~+ g$ g2 U) P) U$136,000: The average mortgagor's equity. This equity equals 51.7% of their home value on average. $ \% ?9 o: D( y9 X1 L6 q
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%. ) J- v: H. r n; }3 v7 p
$41,000: The average equity that borrowers took out of their homes this year. That's up 16% from last year. The most common reason for borrowing this equity? Debt consolidation.
8 L2 C$ ^1 [. P A& K8 ^50%: The ratio of new mortgages taken out in the last year with amortizations greater than 25 years. 5 n6 z0 |$ {& S0 p! o
5.41%: The average Canadian's mortgage rate. Last year it was 5.56%.
) c7 ~3 d9 E s* q$ ^6 G0.40%: The average interest rate improvement realized by people who refinanced in the past year. % {% |' u1 _/ L5 U
1.59%: The average discount off of bank-posted rates. - r( U) I) p: u
1.96: The average number of quotes people get when shopping for a mortgage. * y6 c3 t# I8 T: O9 K" U0 W
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. # B9 C, Q& J; i& K1 z/ e, H& `
10%: The approximate decline in mortgage approvals that CAAMP foresees in 2009. $ `9 Q7 w( x; s6 [' Y! y
36%: The percentage of Canadians who are aware that insured 40-year and 100% LTV mortgages have disappeared. & T) n& f/ l* s, u
Peoples' favourite mortgage terms:
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/ q1 |0 K% }# G7 Q) [" u1-3 years: 29% of borrowers
6 H1 b( w7 O. X1 I4-5 year: 61% of borrowers # _+ j' C R- x% g7 {" {! q
Over 5 years: 10% of borrowers
5 Y& f) t6 E' U( P, ACAAMP says there's a noticeable trend in borrowers taking shorter terms when compared to last year.7 _7 ~$ X6 j. q6 D6 B1 |
8 @( J6 K9 i$ v) v& iThere'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.% Y0 L+ Q" [& y% ^: y
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Where did people get their new mortgages this year?9 O; _2 j5 \8 o; S- u
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Major banks: 47% 3 @: ^( _4 A$ u
Mortgage brokers: 35%
4 b. S6 y% _9 VCredit Unions: 11%
3 P, l3 Y8 \7 j' k7 S: m' b! iOther: 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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