快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

2010年12月
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Bank of Canada Interest Rate . o- s) s4 _- L( L5 i* k2 q September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada / ]. Q! Z* `$ `" zBank Prime Lending Rate 0 L, W6 k6 U2 h; W & w7 r  N/ e. w1 t9 w% L+ P September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada 3 R" H/ t0 U0 y3 \# g 1 z8 g4 o* {- w4 ~ 2 y( s7 l- [! m. V1 n# l6 j7 t Conventional Mortgage - 5 Year Rate* . B6 u* ^; T6 F5 r7 ? ' }$ m2 {4 g: b1 T( i2 e) I# a& A September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 8 U7 N& W4 u! C9 s  p* k& R2 ~ 5.44 % Source: Bank of Canada 5 j0 S9 e. o; s2 G* G  P4 }*Determinant for high ratio mortgage variable qualifying rate + l2 C3 i& J( [) pUS Federal Reserve Board Discount Rate ! i: Y: u) c4 K/ y, Q5 {& ? September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date 8 A' y) [; F2 L$ b& v. RSource: US Federal Reserve 0 i+ x9 f. X$ z# L. T$ U ! p$ R% d; i! w( ~2 bExchange Rate $CDN($US) # Y0 {, ?1 m& `% Q5 e October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 : ?( J& Q, d2 \, u' E! PSource: Bank of Canada % F6 @. ?+ ~6 G' S. h 2 M8 {5 o1 r: E: F$ | 8 |* E3 G( T+ v+ e" `( K ! p: ^* ]( p! ?4 N' iGovernment of Canada Bonds 2 @$ q  m" `' |6 u Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1.21% 5 P! K- C; g) F4 c* @: N 1.27% 1.39% 3 year Benchmark Bond Yield 1.59% 1.73% 1.94% 5 year Benchmark : r9 F$ r+ x7 L7 A8 f8 _5 yBond Yield 2.06% 2.20% 2.48% 10 year Benchmark 0 r  R, _9 W3 DBond Yield 2.89% 2.98% 3.19% ( p; q( b. M5 LSource: Bank of Canada ( J- I& n9 a# ~1 g7 N+ }8 C & i5 F1 N$ ?* L ; C1 W! I7 F# M+ e& X5 F% P 4 F* u) e; }1 {! ^( N5 @4 N Total New Housing Starts (Seasonally adjusted and annualized) 1 ^) J) C1 C- n: c Province August 6 F+ l  o* ]4 E6 G- e+ \! g/ l2010 August 5 X6 Z3 l; [. x% K2009 September ' k: j, D3 q; Q2010 0 a2 |. U' }2 C- f; j; _# T$ B; H' @ September 2009 October + x# \: o  q3 y3 ]) D% J9 P: j2010 October 4 {% H) A+ C1 c5 e1 C2009 Newfoundland/Labrador 3,500 * [$ Y3 ~! [7 `0 f6 |: J* \% p5 h 2,400 3,100 2,800 3,400 ( |4 U2 w6 K+ x2 j/ P# ` 2,900 ! u& L) M! }2 @, u+ J1 x9 m. D PEI / c6 Z# [' B& ~5 G 1,000 / \9 y9 T, S) C, ~. m 1,000 1 F9 @) @8 ]6 ]; P 500 700 + j: R) H2 |  h 400 & ]0 N2 |) A$ E' B 1,200 . N' f, l' U2 J Nova Scotia 3,200 4,200 4,100 4,500 5 X( @7 e5 Q" ]( L 4,700 : }& v# B/ ]' K; a6 R. u3 O 4,000 7 I6 |* O- V( ~( a) B9 J( Q7 w New Brunswick ! t6 c8 z' K- w+ k# E6 \. I 5,100 3,700 3 e8 T" w$ Q8 u3 L 2,400 2,900 4,900 4 p- P/ F0 q  V+ [ 3,600 0 O! x4 s8 {8 e+ }! |$ x" R2 ^% F Quebec * D( U, I; ^. j% U3 X1 v5 s 48,300 . ]7 d& k# w6 U6 G1 o, U0 F6 k5 V 47,300 50,700 ) d7 l' \# b* E  Y+ n9 ]0 G 41,300 4 A3 ?5 w! O# S, E9 F* Y& \ 48,600 ' Y0 I/ ^9 H# A( H1 a( O 37,200 Ontario 4 E- \# n! R8 N 64,800 . W: O3 @5 `3 l4 v9 y4 z 44,200 58,000 # \; h  F3 H8 O; o 50,200 44,700 57,600 Manitoba ; k, A7 J3 S8 x) I. t" \* C" r1 M 6,100 ! v2 i) F% i" x# C 5,000 5 L. ^' j! [3 G; o( W+ V& }7 L% w/ ^ 4,000 4,400 1 k  e6 e& ^1 P% H! r5 o- d8 ] 3,800 3 f7 O$ M9 K3 \+ U) E8 a 4,200 Saskatchewan 7,700 5,100 0 e& R- I% v& f# q2 x- w 5,400 $ E# w, V- x2 m) N3 A8 r 3,700 # M8 |8 P3 m+ l: S 4,700 3,600 ( c: r( p  d3 Y+ f8 w# g Alberta 23,500 , e5 x' Z6 C8 w5 V4 c 18,400 27,100 22,600 5 G6 H  j( [  A/ { 25,200 6 Z# w* m. [' T' ` 25,000 British Columbia 4 e1 b  L7 N- g. x" }8 A 27,800 19,200 . a8 f0 V2 e* j, e 29,700 16,200 " _' w  M3 j8 u/ Y& b 27,500 18,200 ' q: |* ~! j4 f7 H CANADA 191,000 , w2 G1 h# {# Y  E+ S# ] 150,500 185,000 149,300 167,900 ) t7 f* M1 Q' Z: ]" I# y+ n0 I& v 157,400 Source: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year. ) ~" ]& M- e7 K& S ; s1 |$ ?% x8 S$ R; x2 y & G2 H9 M8 p/ R* b) Z . k0 ~1 y3 D3 a$ e) W% e" \ Average MLS® Resale Price for Local Markets City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 $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 2 A5 \) M& B& ^Source: Canadian Real Estate Association 6 p' ^8 G1 N6 n2 R1 e( x+ E  ?8 W - p3 {6 i5 S2 R* ~8 o , V; j1 F1 H2 J2 h  ]4 e1 U2 [, Q/ w 8 D% B& k$ _: ^! q0 a5 f  dQuarterly Housing Affordability Index Standard Two-Storey Average Price RBC Housing Affordability Measure Region Q3 2010 ($) 2 P$ P1 i3 c/ K, k% K( \3 E Y/Y % ch. " X% C, b9 q: t6 x; f7 e Qualifying Income ($) ; G! U; }9 ~. m( R$ \' kQ3 2010 Q3 2010 (%) Q/Q & R% X" m/ X; ~1 LPpt. Ch. & x9 Y% V- p6 _* f2 [  T* V1 z! K4 ~ Y/Y * _1 |  W4 X) o0 G& G* PPpt. Ch. Avg. since '85 (%) - o- Q( V' z0 J/ B( k; o/ |! q Canada , ^) t6 |/ U6 o& S0 j) A 370,700 6.3 $ i- `: |1 ]+ D0 o8 B 83,100 46.3 -2.5 0.3 " n# a2 O5 w+ c" g 43.3 4 l$ `( ?1 i$ X' {, l. U; {( F British Columbia 624,800 1 E! v) ~7 u6 t# A3 { 8.0 124,500 8 s' [) |+ V$ S8 F  M 67.5 * n6 q4 m' \, Y3 ^$ v# J -3.9 8 n/ ]8 U' |; ?: B! s 1.4 0 ]8 s' H# [  } 54.1 & @6 @! @5 O* d! V4 L% x* f" I Alberta 365,600 3 [! s. K& e7 n6 j( } 0.1 81,400 ( C  g3 G0 t/ ^: l 35.6 -1.8 : R$ w& F7 H1 F0 Q4 U6 Z -2.0 8 w5 G5 y- B+ u 38.6 6 |, S9 M/ q, u. W2 U" U Saskatchewan 315,300 5.1 % q0 s& a# V  x: l% O 74,100 # q  ]( r! M5 q7 T+ D7 O% d  I2 B5 d 40.8 -2.2 0 Z0 i3 x7 X  g5 s# I3 K  v( n3 ?4 I -1.1 8 H; C' M! V! A6 N8 q& t) V6 x 38.0 # ^$ \6 e) o: p- z Manitoba 269,700 9 a- i/ Z( s! Z! ] 7.8 1 r  n( L% C1 x% g4 m8 Z3 d/ I* {6 X 65,000 ; n3 ^* [1 t. p" u# v) A" i, H 37.1 6 D5 q6 u* \0 o8 `  u -2.3 ! ]6 U9 j  V/ E7 e- ~0 n9 q! P 0.8 8 t) p) G' N0 U0 Y2 ` 37.7 , g- d3 @6 b2 ]* P5 ^ Ontario 1 {5 ?/ k. a+ ]7 K2 j7 G 388,200 : X5 `# \3 e8 n  D: S 6.2 89,800 & m8 [+ Y/ K, u0 X5 F/ i% I5 V$ S: ]# ` 44.9 -2.4 4 h, f' E. y( K2 D8 ] 0.4 43.7 3 b: I0 r. f1 ^0 t& F5 M. M" L3 D* R* L Quebec 262,100 ; O, C+ ?5 h- H9 s: S& I 8.6 2 \7 K8 q, G' {, `" d! e 61,700 2 \! A- ?! G2 t5 i5 |: S2 l 41.7 6 R4 P+ J9 i: I) X: s" M! Y+ V- f -1.8 " @- H! ]1 j* Q! o$ D& A 1.3 ' n, m- Y! k5 d" f" ^ 38.8 0 R. X0 h  a( A& H4 z Atlantic & O/ J  C) R& D3 G7 O" G 222,100 ' e+ Z# g' c7 L# p: B- ?5 ^; s 4.3 55,900 : H  ]1 O  V  ^3 B6 S 36.5 -1.4 $ V, l5 ^$ B  W: @, t2 s! ^/ _( t 0.1 . {( N& {8 m% v5 n0 T: x  a 38.0 7 S6 @' i' l1 }' ~0 g Toronto 0 x! S$ r6 t- t 554,700 , }( b# Q' x( \0 a, m 5.6 120,400 56.2 -3.8 0.1 # T; O* E9 B: `6 Q# n  {. O* K 53.4 Montreal 4 w1 r5 i; T& D 335,300 3 h% ?3 w0 M3 y2 m 8.9 75,800 . C, ]8 v% I' ]. P 51.3 ) O0 i. c- @+ F3 |2 `7 | -1.7 1.7 * B$ s, K: {: A2 |" A& D' H9 \ 41.7 7 E; F. f' I  z" S) h8 f8 y Vancouver 7 @$ ~$ n1 _2 c8 y6 z$ k 766,300 ; a5 ~% q1 H$ q6 J 8.4 ; W) s( ?$ u' Z/ `) w+ V- K 149,400 ( j! E" |1 ~5 {/ B 78.1 -4.7 . g- z4 H6 B+ o; m/ v7 l 2.0 62.6 $ w/ t9 j3 @( B! u9 t Ottawa 350,600 4.8 86,600 40.5 -2.5 3 x+ O" c0 c9 \) |+ C" N9 X 0.0 39.1 ) J* V" J- }$ H9 U7 @+ Y1 A Calgary 410,500 5 F4 d( }$ X2 h3 T+ m( V% K -1.0 1 q' g2 n4 D9 a3 e" U) t 86,700 + H$ y. a. _( D2 g4 G 37.9 -2.3   I! p/ r+ ^8 P/ S. w -2.6 40.3   [) `4 d/ S# B2 _8 h- G Edmonton 362,500 + i7 ?! p# i* k 1.2 $ W6 ^$ s) ~  c3 F6 R7 r" W 82,500 8 }8 e  @5 b4 d- S9 p' v* i 37.0 5 k: T4 q- d0 W* J4 F+ C, L5 ~/ e -1.9 -1.6 ! B, `$ ^/ t. g) ?7 x 37.0 Detached Bungalow ( q5 o5 @; u3 q Average Price RBC Housing Affordability Measure " I; v  P5 ^7 ^: O- j8 A2 B Region   A" X' G8 J, H( G0 v$ ?  w+ I Q3 2010 ($) . b3 X  @5 S7 T, C: @; r2 k Y/Y % ch. . I! R/ c8 }" n7 o( _2 j Qualifying 3 P% ?& i8 P) k+ g& e( lIncome ($) " H9 U- a9 S: [& V5 ^& c% KQ3 2010 / W, s3 T1 j9 Z5 @! X& q& C Q3 2010 (%) : J" W8 {. w" B: B Q/Q Ppt. Ch. 6 Z6 ?2 a) A, v Y/Y Ppt. Ch. Avg. since '85 (%) : Y9 r1 m4 [5 \. J) k/ { Canada 325,300 6.8 - Q* d4 ^0 _0 v" ~8 Y7 y 72,500 40.4 -2.4 . ^# S. V! W' Z 0.3 39.0 British Columbia 544,700 1 m* |6 E0 F' p, ?$ f; d 8.5 + N+ l: S8 p  @ 108,800 ' U6 |, j, P# c! T4 m, Q 59.0 3 ~0 Y) _3 L# J* W% g( G, I -5.0 % @- I( v* |% o, f4 y' h  n# C 1.5 " c+ |. g' F) m( N: G 48.9 Alberta 4 Z3 S  ?% o- N 340,500 - z0 q' l. K5 q 2.9 - G% h) g  ^' e- S% `- T3 ]3 r 74,400 * U1 t: i' e. E* u8 b 32.5 -1.8 ( ~9 f5 i# o( k5 M0 p1 p -1.2 6 @0 O) w2 M! o9 l& ~ 36.1 Saskatchewan 312,400 + A0 e6 r" f! } 6.3 70,900 39.0 : H( K. q8 C' B- Z' k3 [2 q -1.9 & U, n2 ^! g. A$ J6 x9 ~5 o7 E! W -0.8 36.6 Manitoba 251,000 1 C6 b0 i# n. y6 D& \- u 9.2 7 c0 n: ~* Q( W3 m& e  V) D* U 60,800 $ U+ J9 v( l! I$ x4 r6 \& [. d 34.7 -1.4 1.1 36.8 5 V* Z* E. u& U1 d  ^ Ontario ; l4 }+ X: g/ A, W 337,400 6.1 77,900 38.9 -2.2 " t$ R4 ]  D+ t4 K! ` 0.2 40.1 : |  n% ?! w' q2 n! R Quebec + |5 B4 {5 b) k9 y' q$ t" R: R1 x 221,600 $ K3 V- ~9 M9 @' q3 S' q$ f5 z7 \ 9.3 51,700 8 A* |( {8 U. _ 35.0 -1.4 2 Q& |- t' S, L+ Y7 K4 b9 M4 y0 l 1.2 32.9 Atlantic : g* k0 |) a* c6 \8 M 196,600 2.3 48,200 31.4 -1.0 6 I% t; t0 Z/ Z& Q$ w2 ^ -0.4 : I2 J# D' `2 ^" A& f) j 31.6 Toronto 466,600 ! e: w# ^) f7 R; f# a( ^ 5.0 101,100 8 |7 j- K) R8 q9 P5 m& ]9 E 47.2 -3.0 -0.1 48.2 Montreal 271,100 11.8 % d0 g4 V  K0 n7 e 61,600 + X* x8 L( A, R3 U 41.7 -1.3 2.2 7 l/ G3 T% \! `2 r" @$ V9 o- G 36.9 Vancouver 672,500 2 g6 S: R1 R& K4 w 9.7   e5 g# L% k( h( X+ I5 ]. U  g+ g 131,600 68.8 -5.4 2.4 0 P1 Z$ ]0 \( y 57.3 Ottawa 340,800 0 i# T; z: U/ w4 {, j$ m1 p 3.4 , d& R$ Z! c% P; r) O 81,800 7 Z- G' B! \: Z' G; C 38.2 -2.9 -0.5 , y( U5 \& R* |* ^2 C 36.6 Calgary 8 `! \# j; _1 M5 D3 y, V 412,700 4 x6 S0 I# z6 b: p6 g 2.7 : V8 @8 C& q3 o% Z 85,00 37.1 " A9 H9 [% k) p -2.0 -1.5 * E  [/ ?! p* V  k 39.9 Edmonton 322,900 5.4 72,900 - V$ c6 E7 s" e  p. S$ l- s 32.7 -2.0 6 y3 A! d# q3 M# K" z3 | -0.5   S6 B# m3 q0 x, C 33.9 " S* a4 `7 f' g. 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. " Q8 U$ @9 u: r+ V& c$ f" U 8 x+ R' j4 h) ?/ m+ o- j5 `& w0 N4 n

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年轻的心

- P: j5 {9 K; `* u& _6 X快讯： Federal Government's Mortgage Insurance Changes
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This morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     

; W; N9 A8 ^3 M& W) a( sThese measures include:
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Amortization period capped at 30 years
1 ^, j( F! W9 O( n7 N4 z0 R9 G) `Reduction of government backing for home equity lines of credit
+ ?* s. L  P) Y! W/ gMaximum refinancing reduced to 85% from 90% LTV
0 z( H3 A2 ~+ f" e2 W3 wThere are no changes to down payment requirements as CAAMP recommended.

! J/ X$ ~) o" L: f- g/ i- iCAAMP 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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