快讯：Rate/Bonds/NewHouseStarts/...

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2010年12月
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Bank of Canada Interest Rate , ~# c% f8 M+ J7 E% D+ Z September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada : O: f  ]) \* O1 P$ b/ EBank Prime Lending Rate - i3 I; f0 C; a( n4 C September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada . X3 N# @7 x4 E8 X ! n6 J! t  K# ~% } Conventional Mortgage - 5 Year Rate* 8 @, I5 Q. t3 T- @9 g 4 t) K# {$ J3 T September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 3 n/ g( p; g& A' R) {9 G& N 5.44 % ! O1 @) c. b7 Q6 S, XSource: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate ( s4 q* ?' |) F9 N7 A 4 s: q% d& j3 ~3 b- m" i 8 Z0 z, v3 f( K1 SUS Federal Reserve Board Discount Rate , r7 }+ \  M  e" C- t$ f( Z 0 t4 x9 t/ ^  z5 W- C# P ' H9 O% e: f% _1 T September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date Source: US Federal Reserve ! G+ i% L, a- W2 t) ^ Exchange Rate $CDN($US) October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada Government of Canada Bonds 3 T- j6 s+ t1 Z + G  \3 }4 O* i9 y8 M9 F; c3 a Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 0 F! A, l. O( p7 E. H: l 1.21% 0 a! `1 F/ W4 p/ B' V& s( o 1.27% 1.39% 3 year Benchmark . ?0 ?9 l  \* |1 N6 LBond Yield 1.59% 1.73% 1.94% 5 year Benchmark Bond Yield 2.06% 2.20% 2.48% 10 year Benchmark Bond Yield 2.89% 2.98% 3.19% 5 E$ k& {* N3 _. m7 n* YSource: Bank of Canada / u: a9 q" L3 l . b" _. `, i7 v- k " U7 a, t% @; s8 a1 _ Total New Housing Starts (Seasonally adjusted and annualized)   O; ?7 h9 f* o& s. C Province August % c' y) e! |8 B- {" Z, C2 t2010 ; L  a+ v$ _# `' {* T4 o2 J7 t. l- k August 2009 September - s- l# \" |: Y+ \2010 September 2009 . n; ?) S0 r! v1 x: g# _5 W October 2010 October + e  A+ X5 \/ L6 u2009 % s) G& M  y. O) K# Q Newfoundland/Labrador $ S2 m, R+ ]/ e5 M, Q 3,500 2,400 3 P2 A8 O/ T& K 3,100 2,800 . G4 r. x  l, _/ ]. }* ?0 { 3,400 2,900 PEI 1,000   \; r  E/ p* H3 C 1,000 500 ! k% g* K# {% K. H7 z 700 2 Y3 @+ G4 j9 A 400 1,200 Nova Scotia 7 E! m2 j3 V# E3 ?' \7 w 3,200 4,200 - N9 m% B+ |: ^. ]$ Z 4,100 3 C( ?# B7 M: k, F 4,500 5 ~  [% l, u0 C+ H7 @  R) { 4,700 4,000 3 E" s& ]  |6 Z  d1 o/ R: i' x New Brunswick 5,100 0 t- Y; c3 r) g/ } 3,700 0 p0 Z5 ?" T- _. C 2,400 2,900 4,900 3,600 8 b7 R/ z4 ^/ x Quebec 48,300 : i2 T$ W" }3 Y1 G" M 47,300 ' @$ i. C' q* v! _+ W 50,700 0 O  M- c% U3 e) i4 T! j 41,300 48,600 ! k% [. ~# D( ^2 x# \) p. }$ f) N* J3 c 37,200 Ontario 64,800 44,200 58,000 ! \. Q0 c' |; R 50,200 44,700 57,600 Manitoba 7 p5 A: L2 {, i. X) ] 6,100 5,000 8 C! S; \* n8 g' b$ c 4,000 4,400 3,800 4,200 Saskatchewan * \: a1 J& a$ i; ^: y' c 7,700 . N9 S* ^7 Z  p7 e% t 5,100 5,400 3,700 4,700 0 x" g# a  j7 D: _ 3,600 ( M; T8 s( ~/ S5 ^( U3 P+ k: d Alberta 23,500 18,400 1 i) P8 ^% R5 i% K 27,100 ' ?; D: x$ U/ l1 V2 ?( p3 K 22,600 25,200 25,000 ( b, z+ S/ U7 C) e+ q British Columbia 27,800 * w! b' A! s% U, W2 X+ t% M 19,200 9 e1 m8 n7 t: k$ y1 V; D8 a 29,700 16,200 27,500 - M  q& g% }% `) b* p 18,200 : ^" f( o" h3 ] CANADA 191,000 150,500 185,000 149,300 167,900 157,400 ! p) ]- H* H' a. l! g! h3 q1 bSource: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year. : o5 p0 H& E$ B/ r. y) o0 R4 j ) t; N# L* \( F8 _3 K- A, g  Y Average MLS® Resale Price for Local Markets : _4 H( g' T% u1 H4 H City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 " F9 {6 c  ]. y: r  e1 S $165,032 Quebec $219,440 $246,918 Montreal $285,100 $309,638 Ottawa $320,561 $305,872 Toronto $423,507 $443,633 Hamilton/Burlington $296,253 $305,872 Winnipeg $210,618 $229,467 Saskatoon $274,759 $293,929 Calgary $393,574 $399,679 Edmonton $351,768 $317,096 Vancouver $638,948 $707,207 Victoria $481,500 $343,747 Source: Canadian Real Estate Association 5 W( j& P+ w7 ]* }5 S . w1 m  i, @4 E# b' F& ~3 | * ]9 ^+ c. }$ F# z8 m + I, V, a) _8 ^+ r3 Y: sQuarterly Housing Affordability Index * r: r' U2 E# t. L, { Standard Two-Storey 0 r7 }% k! a8 s8 Z$ l% e: P. j1 b Average Price ( c: Y. e4 v% {1 k" m5 E 0 u4 O9 y4 I7 u  F  K RBC Housing Affordability Measure * X& [' U1 |' q; @# T& S Region Q3 2010 6 b+ m3 w' D- q) g6 i($) ; F& v1 O2 C: ~ Y/Y % ch. " }/ E6 s# w. W1 P$ D Qualifying : L9 i! N6 J2 `+ ZIncome ($) Q3 2010 2 G! a! v& J3 L+ R7 |) {/ s Q3 2010 (%) Q/Q   Z. I. _9 j: n. L/ R5 ]Ppt. Ch. Y/Y Ppt. Ch. & H- T  z: L7 \6 O7 [: B2 R8 ^' k, A; @ Avg. since 1 k2 y/ m$ t' ^7 `: b'85 (%) Canada 370,700 , X3 [. s5 f- h1 \- M 6.3 $ L* r9 `, u& }) F 83,100 46.3 -2.5 - I1 {& A# F0 |9 i# N 0.3 43.3 $ ]2 p9 o' j; K! B8 i British Columbia 624,800 8.0 * r; B/ }/ y) a" } 124,500 67.5 -3.9 1.4 & Q/ ?3 b4 b; N! @" W; U 54.1 Alberta 365,600 5 j1 ~5 J/ L4 A: t$ |- C- I 0.1 & D! ^3 ]6 K- P  S% ^& g- d! U9 m 81,400 : X( z6 b; ~1 k9 M5 t# \: S 35.6 8 }! J+ a; v. z$ V0 k/ x- b -1.8 -2.0 6 ~' U" Q. y7 @! A* `* h 38.6 6 F+ Z) B8 X# ~7 Z" X Saskatchewan 315,300 0 ^% D* a" D  c5 e/ `8 m 5.1 % k8 |3 i, o+ d 74,100 40.8 ! W8 k9 m% Q6 ^4 p -2.2 5 R, c1 U) P3 j: p4 R+ z -1.1 38.0 1 N. S4 m  M, O) ^) k$ @ Manitoba 6 x- U- H- A3 R; s+ T7 `0 G. | 269,700 7.8 9 K: w8 Z. T" ~5 C- e# W* {6 d7 X 65,000 6 |- ~$ [. T+ ^7 T7 O4 R  Q( y# g 37.1 -2.3   z0 Y1 y3 r3 S7 F* N3 W' P4 w 0.8 37.7 ; W" X* k, ^; s, j* O6 a2 x3 z4 D+ A Ontario 388,200 ! i+ t! J8 g- v$ ]8 ^1 k& L; C 6.2 89,800 44.9 -2.4 0.4 . H- H3 t5 W, ^6 B% M3 v/ m 43.7 + Y. z  E9 ^' R$ q( N Quebec 262,100   F- T4 G+ r4 \5 R& ~) n 8.6 . ]+ {  V( W, E5 J) {; J 61,700 * K7 \3 i# z- o4 K3 h 41.7 -1.8 1.3 7 C: _1 h. H4 s 38.8 4 @- B; y$ g2 K' U& {- ^ Atlantic 222,100 0 y9 Z5 B  u0 o. G) |1 U 4.3 55,900 - w: F6 p) f, K2 z6 Y( n 36.5 6 c) I- T. A) t2 u( X9 ^$ y -1.4 0.1 , J9 v5 S1 D& `5 Z. e 38.0 ; z- U9 s4 y. `8 B% D3 h' C. c Toronto # A$ \! F8 k5 k( e- R. r 554,700 5.6 ) ]1 S& k( P& ]. } 120,400 ; n3 ^% {, y/ M# R2 X2 R 56.2 -3.8 0.1 53.4 Montreal 335,300 ! l) y# E' e1 O 8.9 75,800 51.3 9 @- W7 z) W9 M- o -1.7 " M( p, b6 F3 ^* K: O5 a0 y# ] 1.7 41.7 Vancouver 4 `' X  m% h8 V  c 766,300 4 P$ \& B& _9 D+ e; P 8.4 % P  ~: ^; Q& G 149,400 : u) V* a: H, Z6 w, ^( P8 ^: n1 w 78.1 2 N) T1 s0 l, ]$ L -4.7 2.0 62.6 Ottawa . ^- {7 J- r2 s8 ?7 | 350,600 4.8 # E8 n6 i9 _6 h7 F5 {3 b 86,600 40.5 ' ~5 |+ g/ ~- J. u* c: w% F -2.5 + X0 o* d# z: M2 x8 x6 Z2 P 0.0 ( \6 S- q1 J) B8 x1 s 39.1 Calgary 410,500 -1.0 86,700   a+ p, {8 y; M1 ~ 37.9 -2.3 -2.6 40.3   D! Q$ `6 _7 T* ?' X4 D Edmonton 5 e2 @1 L3 N) Y3 t 362,500 1.2 * k8 }$ o* l' v% r& f* ^# e 82,500 37.0 -1.9 + H8 n! i% e( G) E' w: U -1.6 % H& Y1 t3 _  C( Q; `" I 37.0 Detached Bungalow . A+ b; G9 s" p' V0 S Average Price + V8 ]9 w# r( l RBC Housing Affordability Measure Region Q3 2010 7 e9 Y  Z/ z# h($) 9 `8 N# B) y3 a& \) `) M% w Y/Y & L7 _4 S1 @# E# t% ch. , A: ^5 U) ]  C, a+ b  q5 q& r Qualifying 7 X- b% L* O' Z4 B. i9 D$ QIncome ($) Q3 2010 Q3 2010 (%) # f! n! ~5 r0 C1 S) T8 r) \ Q/Q ) v9 e& |) S1 MPpt. Ch. Y/Y Ppt. Ch. " g& x# S. u* h$ }1 I Avg. since * J2 R3 _) f( X: {% ?  o$ h2 F'85 (%) ! }1 I  q3 F* n  r Canada 325,300 8 U$ x& K& ~, X 6.8 72,500 40.4 -2.4 0.3 39.0 6 J1 j' b( j+ k: F9 M3 I0 i British Columbia " ?/ M* X! Q$ G1 K  L8 x 544,700 8 L9 f" ?/ b) f 8.5 108,800 - {$ @, m2 g; o( n2 _8 | 59.0 , t/ t, `6 @( p) _# o -5.0 $ M" n6 B% J) g2 H# `- w 1.5 48.9 Alberta 340,500 2.9 # h& c  `) E) e- k$ [! g 74,400 32.5 -1.8 -1.2 3 e$ F' ]1 q! r8 @2 M 36.1 6 U% x! A! y/ N1 Q. ^, N, {9 K# Q Saskatchewan 9 m' p, ?" j8 E 312,400 0 W8 q7 _& T. ]! k" T+ a' X! n 6.3 , {9 r2 g+ w% @ 70,900   P4 A- Z/ x9 _* [( ]2 d7 A: } 39.0 -1.9 -0.8 + r5 J4 K& J8 u8 q( {6 i- B8 N 36.6 Manitoba - E: P0 ]( J$ w9 P/ S0 Y/ Q 251,000 9.2 60,800 34.7 -1.4 1.1 36.8 Ontario # n' P4 v9 [% f; f 337,400 6.1 : E( L% d* a" q, j  v. @ 77,900 4 p* Y+ o( T% Y' v8 G- E$ _" k 38.9 / R0 ^# B- |1 C' D2 G" |3 d& g -2.2 # t. P! {, \( G. E% f9 B6 j( M4 m; s 0.2 40.1 5 u- V9 s; Z& Y0 n. @% B Quebec ) S. o. c5 M; ]7 g7 R 221,600 9.3 , d$ w, ?# ]% L; Q$ J0 K' [ 51,700 4 D: q2 V( ~- W  u( F. D% Q# ] 35.0 8 m, }- v; t( Z0 i& A, v -1.4 1.2 32.9 5 m- f9 I4 ]9 G% P- V Atlantic 2 p, Q9 p! r2 ] 196,600 $ ]8 q) D& B. P7 i 2.3 48,200 31.4 $ H/ b1 j+ L! N5 ~$ ~# j -1.0 : @8 ^4 ^* ^6 ~, `. R- Q; _$ J -0.4 31.6 . o+ o% A! E' s' B0 S+ p Toronto - v& D; Y6 U0 g6 b) g. X1 p8 | 466,600 , }5 J5 }) _4 L9 k 5.0 4 I) M7 U/ V, D" _, w9 ^ 101,100 1 w4 z+ S& f( ?8 s$ `9 u0 C( x 47.2 : ~* e+ O2 ^0 I8 c" s- } -3.0 - O9 k% i6 S0 `# j# A -0.1 % X( @6 C' w, x  e. M0 A( M$ t 48.2 * T3 H: o4 [3 ]6 n' O Montreal 271,100 * ^' D2 o" c# ~- X 11.8 . @- Q6 k  ]6 c 61,600 / F! m8 a- R  N) c0 W1 S2 U 41.7 + u6 E) A9 W* Y -1.3 * [+ i( L# Z) R- B 2.2 36.9 Vancouver 672,500 9.7 ) v* _; Y% q8 Z7 c 131,600 68.8 -5.4 3 |4 N% f( Z9 V+ B- n 2.4   ]4 n8 G* P( u* ] 57.3 Ottawa 340,800 3.4 * w/ f, x2 ]* r- m) [' @8 o3 k 81,800 38.2 ' y/ s- j3 h, `: W7 | -2.9 -0.5 0 F$ P- m5 s- B 36.6 Calgary 412,700 3 G& \* w& @. C3 ? 2.7 ; X' h( c- q# e7 T1 C 85,00 37.1 1 S9 p5 J/ `) O* s# A8 A -2.0 -1.5 4 T. }! T; H) `- Y8 D$ u 39.9 Edmonton 322,900 ( p% j* E, s2 _2 a) T 5.4 72,900 32.7 -2.0 / b; z: X6 a* f+ z -0.5 33.9 1 q8 U$ j7 C8 D) D& a Source: RBC November 2010. The measures are based on a 25% down payment, a 25-year mortgage loan at a five-year fixed rate and are estimated on a quarterly basis for each province and for Montreal, Toronto, Ottawa, Calgary, Edmonton and Vancouver-metropolitan areas. The measures use household income rather than family income to account for the growing number of unattached individuals in the housing market. The higher the measure, the more difficult it is to afford a house.

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今日议息结果如何？

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快讯： Federal Government's Mortgage Insurance Changes
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* \% M0 N4 E  S& DThis morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     

These measures include:
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Amortization period capped at 30 years
0 X6 b2 F$ O  o( x( [: oReduction of government backing for home equity lines of credit
2 R+ q& v5 P" C% X- S4 ^' _Maximum refinancing reduced to 85% from 90% LTV
+ e7 P* i9 T( m6 y4 ~( j3 nThere are no changes to down payment requirements as CAAMP recommended.
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CAAMP will continue to update members on any new developments.
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For additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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